Greene County Bancorp (GCBC) AI Stock Analysis

• Market Cap: $399.62M
• Dividend Yield: 1.62%
• Average Volume (3M): 16.04K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.77
• Revenue Growth: 13.16%
• EPS Growth: 37.40%
• 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): 2.85
• P/FCF Ratio: 13.87
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 3.73
• Enterprise Value/Gross Profit: 6.70
• Enterprise Value/Ebitda: 13.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $26.00 ▲(11.59% Upside)

Greene County Bancorp's strong financial performance and attractive valuation are the primary drivers of its stock score. The company's robust profitability and efficient operations are complemented by a reasonable P/E ratio and a solid dividend yield. Technical indicators support a positive price trend, although potential overbought conditions warrant caution. The strategic debt management through note redemption is a positive corporate event, but it does not significantly impact the overall score.

Positive Factors

Net Interest Margin Improvement

The improvement in net interest margin enhances profitability, indicating effective interest rate management and a stronger earnings potential.

Expansion into Saratoga County

Entering a vibrant market like Saratoga County can drive growth by accessing new customers and increasing market share, supporting long-term revenue expansion.

Record Highs in Financial Metrics

Achieving record financial metrics demonstrates robust business health and operational strength, supporting sustainable growth and stability.

Negative Factors

Decline in Revenue Growth

A significant decline in revenue growth raises concerns about future income stability and may impact long-term profitability if not addressed.

Low Equity Ratio

A low equity ratio indicates potential financial risk, as reliance on debt can limit flexibility and increase vulnerability to economic downturns.

Low Cash Conversion Efficiency

Low cash conversion efficiency suggests challenges in converting income to cash, which could impact liquidity and operational flexibility.

Greene County Bancorp Business Overview & Revenue Model

Company Description

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.

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 shows strong profitability with high profit margins and a healthy return on equity. However, the recent decline in revenue growth is a concern, and there is room for improvement in cash conversion efficiency.

Income Statement

Greene County Bancorp has demonstrated strong profitability with a consistent gross profit margin of 100% over the years. The net profit margin has improved significantly to 42.41% in the latest year, indicating efficient cost management. However, the revenue growth rate has seen a sharp decline of 43.29% in the most recent year, which is a concern for future revenue stability. The EBIT and EBITDA margins are robust, reflecting strong operational efficiency.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.54, indicating a balanced approach to leveraging. The return on equity is healthy at 13.04%, showcasing effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt compared to equity in the capital structure. The trend of decreasing debt-to-equity ratio over the years is a positive sign of improving financial stability.

Cash Flow

The free cash flow growth rate has improved by 8.09% recently, indicating better cash generation capabilities. The operating cash flow to net income ratio is low at 0.38, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 97.53%, reflecting efficient cash management. The overall cash flow position is stable but could benefit from improved cash conversion efficiency.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	132.94M	132.94M	117.57M	96.77M	75.58M	68.00M
Gross Profit	74.04M	74.04M	64.12M	74.44M	66.86M	58.84M
EBITDA	35.73M	35.73M	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	504.34M	504.34M	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: Neutral
• Last Price: 23.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Neutral. The current price of 23.3 is below the 20-day moving average (MA) of 23.61, above the 50-day MA of 22.73, and above the 200-day MA of 22.88, indicating a neutral trend. The MACD of 0.52 indicates Positive momentum. The RSI at 49.48 is Neutral, neither overbought nor oversold. The STOCH value of 42.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GCBC.

Greene County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GCBC	75 Outperform	$399.62M	11.76	14.53%	1.62%	13.16%	37.40%
CWBC	73 Outperform	$436.86M	12.72	8.91%	2.12%	32.03%	170.90%
BMRC	73 Outperform	$433.43M	42.97	2.24%	3.76%	23.93%	―
BSRR	72 Outperform	$446.27M	11.46	11.07%	3.02%	-0.65%	14.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIVB	64 Neutral	$451.92M	8.59	9.73%	2.91%	3.49%	33.86%
BRBS	52 Neutral	$402.55M	105.91	1.29%	―	-15.07%	―

Greene County Bancorp Corporate Events

Greene County Bancorp Holds 2025 Annual Stockholders Meeting

On November 1, 2025, Greene County Bancorp, Inc. held its 2025 Annual Meeting of Stockholders, where key matters such as the election of directors, ratification of the accounting firm, and advisory votes on executive compensation were voted upon. The meeting also featured a slideshow presentation on the company’s financial performance and business strategies, accessible on their website, reflecting the company’s ongoing commitment to transparency and strategic planning.

Greene County Bancorp Declares Quarterly Cash Dividend

On October 22, 2025, Greene County Bancorp, Inc. announced that its Board of Directors approved a quarterly cash dividend of $0.10 per share, maintaining the annual dividend rate of $0.40 per share. The mutual holding company, Greene County Bancorp, MHC, which owns a majority of the company’s shares, plans to waive its right to receive this dividend, having received nonobjection from the Federal Reserve Bank of Philadelphia for such waivers through the quarter ending September 30, 2025.

Greene County Bancorp Redeems $20M Subordinated Notes

On October 1, 2025, Greene County Bancorp, Inc. redeemed $20 million of its 4.75% Fixed-to-Floating Rate Subordinated Notes due in 2030, using cash on hand. This financial maneuver reflects the company’s strategic management of its debt obligations, potentially strengthening its financial position and impacting stakeholders positively.