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Greene County Bancorp (GCBC)
NASDAQ:GCBC
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Greene County Bancorp (GCBC) AI Stock Analysis

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GCBC

Greene County Bancorp

(NASDAQ:GCBC)

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Neutral 61 (OpenAI - 4o)
Rating:61Neutral
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 (GCBC) vs. SPDR S&P 500 ETF (SPY)

Greene County Bancorp Business Overview & Revenue Model

Company DescriptionGreene 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 MoneyGreene 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
75
Positive
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
70
Positive
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
65
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue119.17M73.43M117.57M96.77M75.58M68.00M
Gross Profit73.43M73.43M64.12M74.44M66.86M58.84M
EBITDA35.46M34.67M27.75M36.70M33.73M28.39M
Net Income31.14M31.14M24.77M30.79M27.99M23.94M
Balance Sheet
Total Assets3.04B3.04B2.83B2.70B2.57B2.20B
Cash, Cash Equivalents and Short-Term Investments368.85M368.85M543.23M482.15M481.18M545.22M
Total Debt128.06M128.06M199.14M49.49M173.01M22.64M
Total Liabilities2.80B2.80B2.62B2.52B2.41B2.05B
Stockholders Equity238.84M238.84M206.00M183.28M157.71M149.58M
Cash Flow
Free Cash Flow27.29M27.29M23.40M26.57M34.30M26.50M
Operating Cash Flow27.98M27.98M24.91M28.11M35.35M27.75M
Investing Cash Flow-210.17M-210.17M-129.24M661.00K-471.18M-417.14M
Financing Cash Flow174.87M174.87M98.28M98.67M355.06M498.70M

Greene County Bancorp Technical Analysis

Technical Analysis Sentiment
Negative
Last Price22.43
Price Trends
50DMA
23.26
Negative
100DMA
23.28
Negative
200DMA
23.74
Negative
Market Momentum
MACD
-0.38
Negative
RSI
48.42
Neutral
STOCH
26.72
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$404.03M7.9010.02%3.20%6.20%18.80%
71
Outperform
$402.31M11.628.91%2.28%32.03%170.90%
69
Neutral
$366.26M9.2711.53%3.67%0.85%18.21%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
61
Neutral
$372.55M11.9614.00%1.65%13.07%25.72%
60
Neutral
$375.72M52.681.58%4.29%23.26%
51
Neutral
$396.14M-0.06%-20.44%99.91%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GCBC
Greene County Bancorp
22.43
-5.21
-18.85%
BMRC
Bank Of Marin Bancorp
23.30
2.56
12.34%
CWBC
Community West Bancshares
21.03
2.75
15.04%
CIVB
Civista Bancshares
20.92
3.36
19.13%
BSRR
Sierra Bancorp
26.95
-0.09
-0.33%
BRBS
Blue Ridge Bankshares
4.34
1.52
53.90%

Greene County Bancorp Corporate Events

Dividends
Greene County Bancorp Announces Increased Quarterly Dividend
Positive
Jul 16, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 16, 2025