Greene County Bancorp (GCBC) AI Stock Analysis

• Market Cap: $372.55M
• Dividend Yield: 1.65%
• Average Volume (3M): 16.04K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.96
• Revenue Growth: 13.07%
• EPS Growth: 25.72%
• Country: US
• Employees: 189
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.52
• Shares Outstanding: 17,026,829
• 10 Day Avg. Volume: 15,633
• 30 Day Avg. Volume: 16,040
• PEG Ratio: 0.46
• Price to Book (P/B): 1.58
• Price to Sales (P/S): 5.15
• P/FCF Ratio: 13.87
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 4.16
• Enterprise Value/Gross Profit: 6.75
• Enterprise Value/Ebitda: 13.99
• 1Y Price Target: $23.00
• Price Target Upside: 2.54% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: $23.00 ▲(2.54% Upside)

Greene County Bancorp's financial performance is strong, with robust profitability and operational efficiency, but the decline in revenue growth is a concern. The technical analysis indicates a bearish trend, and the stock is fairly valued with a reasonable P/E ratio and dividend yield. The absence of earnings call data and corporate events limits additional insights.

Greene County Bancorp Business Overview & Revenue Model

Company Description

Greene County Bancorp (GCBC) is a financial institution headquartered in Greene County, New York, offering a range of banking services primarily to individuals and businesses in the local community. The company operates through its flagship bank, Greene County Bank, which provides traditional banking products such as savings accounts, checking accounts, loans, and mortgages. GCBC also engages in investment services and wealth management, catering to a diverse clientele seeking financial solutions tailored to their needs.

How the Company Makes Money

Greene County Bancorp generates revenue primarily through interest income from loans and mortgages, which is a significant portion of its earnings. The company offers various loan products, including commercial loans, consumer loans, and residential mortgages, which are typically charged at higher interest rates than the rates paid on deposits. Additionally, GCBC earns fee income from account services, transaction fees, and other banking operations. Investment services and wealth management also contribute to the revenue stream, as the bank may charge fees for advisory services and manage investment portfolios for clients. Strategic partnerships with local businesses and community organizations enhance customer engagement and drive deposits, further supporting the bank's financial growth.

Greene County Bancorp Financial Statement Overview

Summary

Greene County Bancorp exhibits strong financial performance with robust revenue and profit growth, prudent leverage, and efficient cash flow management. The company's consistent increase in total revenue and net income highlights its growth potential and profitability. The balance sheet reflects financial stability, while cash flow metrics indicate solid cash generation capabilities.

Income Statement

Greene County Bancorp has demonstrated strong revenue growth, with a notable increase in total revenue from $75.58M in 2022 to $129.48M in TTM (Trailing-Twelve-Months). The gross profit margin is stable at approximately 53.6% TTM. The net profit margin stands at 22.05% TTM, reflecting strong profitability. The company has shown consistent EBIT and EBITDA margins, indicating effective cost management and operational efficiency. Overall, the income statement reflects a robust growth trajectory and profitability.

Balance Sheet

The balance sheet indicates financial stability with a debt-to-equity ratio of 0.41 TTM, suggesting moderate leverage. The return on equity (ROE) is a healthy 12.46% TTM, indicating effective use of equity capital. The equity ratio stands at 7.61% TTM, which is relatively low but typical in the banking industry due to high liabilities. The company has managed to increase its stockholders' equity consistently, reflecting sound financial health.

Cash Flow

The cash flow statement shows a positive trend with free cash flow growing steadily, currently at $25.24M TTM. The operating cash flow to net income ratio is 0.91, illustrating a strong correlation between earnings and cash flow generation. The free cash flow to net income ratio is 0.88, indicating efficient cash conversion. The company maintains healthy cash flow from operating activities, supporting its financial flexibility.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	119.17M	73.43M	117.57M	96.77M	75.58M	68.00M
Gross Profit	73.43M	73.43M	64.12M	74.44M	66.86M	58.84M
EBITDA	35.46M	34.67M	27.75M	36.70M	33.73M	28.39M
Net Income	31.14M	31.14M	24.77M	30.79M	27.99M	23.94M
Balance Sheet
Total Assets	3.04B	3.04B	2.83B	2.70B	2.57B	2.20B
Cash, Cash Equivalents and Short-Term Investments	368.85M	368.85M	543.23M	482.15M	481.18M	545.22M
Total Debt	128.06M	128.06M	199.14M	49.49M	173.01M	22.64M
Total Liabilities	2.80B	2.80B	2.62B	2.52B	2.41B	2.05B
Stockholders Equity	238.84M	238.84M	206.00M	183.28M	157.71M	149.58M
Cash Flow
Free Cash Flow	27.29M	27.29M	23.40M	26.57M	34.30M	26.50M
Operating Cash Flow	27.98M	27.98M	24.91M	28.11M	35.35M	27.75M
Investing Cash Flow	-210.17M	-210.17M	-129.24M	661.00K	-471.18M	-417.14M
Financing Cash Flow	174.87M	174.87M	98.28M	98.67M	355.06M	498.70M

Greene County Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 22.43
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Negative. The current price of 22.43 is below the 20-day moving average (MA) of 22.45, below the 50-day MA of 23.26, and below the 200-day MA of 23.74, indicating a bearish trend. The MACD of -0.38 indicates Negative momentum. The RSI at 48.42 is Neutral, neither overbought nor oversold. The STOCH value of 26.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GCBC.

Greene County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIVB	72 Outperform	$404.03M	7.90	10.02%	3.20%	6.20%	18.80%
CWBC	71 Outperform	$402.31M	11.62	8.91%	2.28%	32.03%	170.90%
BSRR	69 Neutral	$366.26M	9.27	11.53%	3.67%	0.85%	18.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GCBC	61 Neutral	$372.55M	11.96	14.00%	1.65%	13.07%	25.72%
BMRC	60 Neutral	$375.72M	52.68	1.58%	4.29%	23.26%	―
BRBS	51 Neutral	$396.14M	―	-0.06%	―	-20.44%	99.91%

Greene County Bancorp Corporate Events

Greene County Bancorp Announces Increased Quarterly Dividend

On July 16, 2025, Greene County Bancorp, Inc. announced a quarterly cash dividend of $0.10 per share, marking an 11.1% increase from the previous annual rate. The mutual holding company, Greene County Bancorp, MHC, which owns a majority of the company’s shares, will waive its right to receive this dividend, a decision supported by the Federal Reserve Bank of Philadelphia.