Want to see GCBC full AI Analyst Report?
GCBC Stock Chart & Stats
$22.25
-$0.11(-0.41%)
At close: 4:00 PM EST
$22.25
-$0.11(-0.41%)
Day’s Range― - ―
52-Week Range$21.25 - $36.02
Previous CloseN/A
Volume8.70K
Average Volume (3M)16.04K
Market Cap
$539.88M
Enterprise Value$450.02M
Total Cash (Recent Filing)$492.65M
Total Debt (Recent Filing)$107.34M
Price to Earnings (P/E)13.8
Beta0.78
Next Earnings
Jul 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.63%
Share Statistics
EPS (TTM)2.29
Shares Outstanding17,025,484
10 Day Avg. Volume15,633
30 Day Avg. Volume16,040
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)1.58
Price to Sales (P/S)2.85
P/FCF Ratio13.87
Enterprise Value/Market Cap0.83
Enterprise Value/Revenue3.15
Enterprise Value/Gross Profit5.17
Enterprise Value/Ebitda9.79
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High ProfitabilitySustained TTM net and EBIT margins near 27% and 31% indicate a structurally profitable community-banking model. These margins support internal capital generation, cushion against cyclical earnings pressure, and provide durable capacity to fund dividends, buybacks and reinvestment.
Strong Cash GenerationFree cash flow that closely tracks net income (FCF/NI ~0.98) demonstrates high earnings quality and genuine cash conversion. Over the medium term this reduces reliance on external financing and supports repeatable capital returns and lending growth, bolstering financial resilience.
Conservative Credit & FundingVery low NPA ratio (0.10%) and a conservative loan-to-deposit (63%) reflect disciplined underwriting and ample deposit funding. This structural credit strength and liquidity depth underpin predictable loan growth and limit funding stress in adverse cycles for a regional bank.
Bears Say
Leverage VolatilityThe balance sheet shows meaningful swings in leverage historically, implying capital structure sensitivity to strategy or market conditions. Such volatility can complicate capital planning, regulatory engagement and could constrain dividends or buybacks during stress periods.
Margin SensitivityReported margin compression relative to prior peaks suggests net interest margin and operating profitability are exposed to rate moves and credit-cycle shifts. For a bank whose core profit engine is NII spread, prolonged compression would erode earnings durability and capital generation.
Cash-Flow Timing NoiseWhile TTM FCF is strong, operating cash flow coverage has been extremely low in multiple annual periods, indicating working-capital and timing volatility. This inconsistency reduces predictability of distributable cash and increases risk that capital returns must be adjusted when timing weakens.
Greene County Bancorp News
GCBC FAQ
What was Greene County Bancorp’s price range in the past 12 months?
Greene County Bancorp lowest stock price was $21.25 and its highest was $36.02 in the past 12 months.
What is Greene County Bancorp’s market cap?
Greene County Bancorp’s market cap is $539.88M.
When is Greene County Bancorp’s upcoming earnings report date?
Greene County Bancorp’s upcoming earnings report date is Jul 27, 2026 which is in 17 days.
How were Greene County Bancorp’s earnings last quarter?
Greene County Bancorp released its earnings results on Apr 22, 2026. The company reported $0.618 earnings per share for the quarter, beating the consensus estimate of N/A by $0.618.
Is Greene County Bancorp overvalued?
According to Wall Street analysts Greene County Bancorp’s price is currently Overvalued.
Does Greene County Bancorp pay dividends?
Greene County Bancorp pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.63%. See more information on Greene County Bancorp dividends here
What is Greene County Bancorp’s EPS estimate?
Greene County Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Greene County Bancorp have?
Greene County Bancorp has 17,025,484 shares outstanding.
What happened to Greene County Bancorp’s price movement after its last earnings report?
Greene County Bancorp reported an EPS of $0.618 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.345%.
Which hedge fund is a major shareholder of Greene County Bancorp?
Currently, no hedge funds are holding shares in GCBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Greene County Bancorp Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
GCBC Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 6.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $187.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-26.01%
12-Months-Change
Fundamentals
Return on Equity
15.41%
Trailing 12-Months
Asset Growth
5.76%
Trailing 12-Months
Company Description
Greene County Bancorp
Greene County Bancorp, Inc. serves as the parent organization for The Bank of Greene County, delivering a diverse range of financial solutions throughout the United States. Its array of deposit products encompasses savings accounts, interest-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending activities include a comprehensive portfolio featuring residential, construction and land, and multi-family mortgage loans, alongside commercial real estate mortgages. Consumer credit options are also available, such as financing for new and used automobiles, personal loans, home equity loans, and various other installment loans including passbook-secured loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdraft facilities. Additionally, the company provides commercial loans. As of June 30, 2021, it maintained a network of 17 full-service banking branches. The company, founded in 1889, is headquartered in Catskill, New York, and operates as a subsidiary of Greene County Bancorp, MHC.
Technical Analysis
Bank Of Marin Bancorp
―
Community West Bancshares
―
Civista Bancshares
―
Sierra Bancorp
―
Blue Ridge Bankshares
―
Ownership Overview
2.89% Insiders
3.86% Mutual Funds
1.57% Other Institutional Investors
87.70% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---