Greene County Bancorp (GCBC) AI Stock Analysis

• Market Cap: $387.36M
• Dividend Yield: 1.64%
• Average Volume (3M): 11.24K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.98
• Revenue Growth: 13.07%
• EPS Growth: 25.72%
• Country: US
• Employees: 189
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.55
• Shares Outstanding: 17,026,829
• 10 Day Avg. Volume: 11,682
• 30 Day Avg. Volume: 11,240
• PEG Ratio: 0.46
• Price to Book (P/B): 1.58
• Price to Sales (P/S): 3.21
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.28
• Enterprise Value/Revenue: 3.83
• Enterprise Value/Gross Profit: 7.15
• Enterprise Value/Ebitda: 15.71
• 1Y Price Target: $27.00
• Price Target Upside: 20.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: $27.00 ▲(20.54% Upside)

Greene County Bancorp scores well due to its strong financial performance, characterized by robust revenue growth and effective cash flow management. While the technical indicators present a mixed picture, the reasonable valuation and recent dividend increase enhance the stock's attractiveness. The absence of significant data from the earnings call and corporate events does not detract from the stock's overall positive outlook.

Greene County Bancorp Business Overview & Revenue Model

Company Description

Greene County Bancorp, Inc. (GCBC) is a financial holding company that operates through its subsidiary, The Bank of Greene County. Founded in the United States, the company primarily serves customers in Greene, Columbia, and Albany counties, and offers a range of banking products and services. These include traditional deposit products like checking and savings accounts, as well as loan products such as commercial, residential, and consumer loans. The company is committed to providing personalized community banking services while leveraging technology to enhance customer experience.

How the Company Makes Money

Greene County Bancorp makes money through a variety of revenue streams primarily focused on traditional banking activities. The company's income is largely derived from interest income, which it earns on loans issued to individuals and businesses, including commercial real estate loans, residential mortgages, and consumer loans. Additionally, the bank generates non-interest income from service charges on deposit accounts, fees for banking services, and income from investment securities. The company benefits from its strong local presence and customer relationships, which help maintain a stable deposit base that funds its lending activities. Key factors contributing to its earnings include effective asset-liability management, a focus on low-cost deposits, and strategic investments in technology to improve operational efficiency.

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	129.48M	117.70M	117.57M	96.77M	75.58M	68.00M
Gross Profit	69.41M	0.00	64.12M	74.44M	66.86M	58.84M
EBITDA	31.57M	34.67M	27.75M	36.70M	33.73M	28.39M
Net Income	28.54M	31.14M	24.77M	30.79M	27.99M	23.94M
Balance Sheet
Total Assets	3.01B	3.04B	2.83B	2.70B	2.57B	2.20B
Cash, Cash Equivalents and Short-Term Investments	474.73M	368.85M	540.40M	482.15M	481.18M	545.22M
Total Debt	94.02M	128.06M	199.14M	49.49M	173.01M	22.64M
Total Liabilities	2.78B	2.80B	2.62B	2.52B	2.41B	2.05B
Stockholders Equity	229.04M	238.84M	206.00M	183.28M	157.71M	149.58M
Cash Flow
Free Cash Flow	25.24M	0.00	23.40M	26.57M	34.30M	26.50M
Operating Cash Flow	25.83M	0.00	24.91M	28.11M	35.35M	27.75M
Investing Cash Flow	-227.42M	0.00	-129.24M	661.00K	-471.18M	-417.14M
Financing Cash Flow	101.25M	0.00	98.28M	98.67M	355.06M	498.70M

Greene County Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 22.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 22.4 is below the 20-day moving average (MA) of 23.50, below the 50-day MA of 23.77, and below the 200-day MA of 24.25, indicating a bearish trend. The MACD of -0.22 indicates Positive momentum. The RSI at 41.46 is Neutral, neither overbought nor oversold. The STOCH value of 16.43 is Positive, 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
RRBI	77 Outperform	$435.92M	11.51	11.51%	0.74%	9.09%	23.58%
GCBC	75 Outperform	$387.36M	12.44	14.00%	1.64%	13.07%	25.72%
BWB	74 Outperform	$465.28M	14.50	7.99%	―	12.19%	12.88%
HBCP	73 Outperform	$428.09M	10.49	10.13%	2.01%	8.03%	15.18%
BSRR	69 Neutral	$392.89M	9.98	5.89%	3.42%	0.85%	18.21%
MSBI	54 Neutral	$368.39M	-3.09	5.35%	7.29%	14.49%	-380.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.