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Greene County Bancorp
(NASDAQ:GCBC)
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Rating:76Outperform
Price Target:
$37.00
▲(12.12% Upside)
Action:Reiterated
Date:07/22/26
GCBC scores well primarily due to strong financial performance (solid profitability, improving leverage trends, and good cash-to-earnings quality) and favorable technicals (price above major moving averages with positive momentum). Valuation is acceptable but the dividend yield is modest, and corporate events add a positive shareholder-return signal via a dividend increase and continued waiver structure.
Positive Factors
High and sustainable margins
TTM net profit (~27%) and operating margins (~31%) reflect durable underwriting, fee income and cost control in core community-banking activities. Such margin levels support internal capital formation, reinvestment and resilience of core earnings through normal cycles.
Negative Factors
Margin compression and sensitivity
Reported margin compression versus prior years indicates earnings are sensitive to interest-rate spreads and credit-cycle dynamics. If NIMs tighten or credit costs rise, sustaining current high margins will require faster repricing, tighter credit or additional cost reductions.
Read all positive and negative factors
Positive Factors
Negative Factors
High and sustainable margins
TTM net profit (~27%) and operating margins (~31%) reflect durable underwriting, fee income and cost control in core community-banking activities. Such margin levels support internal capital formation, reinvestment and resilience of core earnings through normal cycles.
Read all positive factors
Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$569.67M
Dividend Yield1.2%
Average Volume (3M)16.04K
Price to Earnings (P/E)13.9
Beta (1Y)0.80
Revenue Growth9.67%
EPS Growth31.74%
CountryUS
Employees203
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Greene County Bancorp Business Overview & Revenue Model
Company Description
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-beari...
How the Company Makes Money
Greene County Bancorp primarily earns money through traditional community-banking activities conducted by its bank subsidiary. The largest driver is net interest income: the bank collects interest and fees on loans (including residential mortgages...
Greene County Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
77
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 143.04M | 132.94M | 117.57M | 96.77M | 75.58M | 68.00M |
| Gross Profit | 87.05M | 74.04M | 64.12M | 74.44M | 66.86M | 58.84M |
| EBITDA | 45.97M | 35.73M | 27.75M | 36.70M | 33.73M | 28.39M |
| Net Income | 39.02M | 31.14M | 24.77M | 30.79M | 27.99M | 23.94M |
Balance Sheet | ||||||
| Total Assets | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 492.65M | 504.34M | 543.23M | 482.15M | 481.18M | 545.22M |
| Total Debt | 107.34M | 128.06M | 199.14M | 49.49M | 173.01M | 22.64M |
| Total Liabilities | 2.91B | 2.80B | 2.62B | 2.52B | 2.41B | 2.05B |
| Stockholders Equity | 267.59M | 238.84M | 206.00M | 183.28M | 157.71M | 149.58M |
Cash Flow | ||||||
| Free Cash Flow | 36.33M | 27.29M | 23.40M | 26.57M | 34.30M | 26.50M |
| Operating Cash Flow | 37.26M | 27.98M | 24.91M | 28.11M | 35.35M | 27.75M |
| Investing Cash Flow | -180.35M | -210.17M | -129.24M | 661.00K | -471.18M | -417.14M |
| Financing Cash Flow | 127.06M | 174.87M | 98.28M | 98.67M | 355.06M | 498.70M |
Greene County Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $472.09M | 7.16 | 15.91% | 3.48% | -20.46% | -308.00% | |
76 Outperform | $569.67M | 13.88 | 15.60% | 1.21% | 9.67% | 31.74% | |
76 Outperform | $603.96M | 10.76 | 10.05% | 2.45% | 4.88% | 6.47% | |
73 Outperform | $533.11M | 11.85 | 12.38% | 2.44% | -1.11% | 17.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $679.17M | 13.46 | 7.90% | 1.92% | 12.91% | 33.31% | |
59 Neutral | $315.59M | 32.74 | 3.67% | ― | -10.97% | ― |
* Financial Sector Average
GCBC
Greene County Bancorp
33.46
10.45
45.43%
BMRC
Bank Of Marin Bancorp
29.16
7.74
36.15%
CWBC
Community West Bancshares
25.03
6.43
34.56%
CIVB
Civista Bancshares
29.06
10.19
54.00%
BSRR
Sierra Bancorp
40.76
12.80
45.80%
BRBS
Blue Ridge Bankshares
3.51
0.71
25.18%
Greene County Bancorp Corporate Events
Business Operations and StrategyDividendsRegulatory Filings and Compliance
Greene County Bancorp Raises Quarterly Cash Dividend
Positive
Jul 22, 2026
On July 22, 2026, Greene County Bancorp, Inc. reported that its board had approved a quarterly cash dividend of $0.11 per share on common stock for the quarter ended June 30, 2026, lifting the annual dividend rate to $0.44 per share from $0.40, a ...
Business Operations and StrategyDividendsFinancial Disclosures
Greene County Bancorp Highlights Strong Q2 2026 Performance
Positive
Jun 22, 2026
Greene County Bancorp, Inc. plans to meet with institutional investors and other parties in the second quarter of 2026, supported by a June 2026 investor presentation outlining its strategy, financial performance, and market position. The material...
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.