Greene County Bancorp (GCBC)
NASDAQ:GCBC
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Greene County Bancorp
(NASDAQ:GCBC)
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Rating:73Outperform
Price Target:
$26.00
▲(16.85% Upside)
Action:ReiteratedDate:03/21/26
The score is driven primarily by strong underlying financial performance and an attractive valuation (low P/E), supported by positive recent corporate updates. These strengths are tempered by weaker near-term technical signals (negative MACD and sub-neutral RSI), suggesting limited momentum.
Positive Factors
Strong profitability
Sustained net margins (~26% TTM) and record six‑month net income indicate durable underlying profitability. This level of operating income supports ROE, funds internal investment and dividends, and provides a buffer against credit cycles, underpinning long‑term financial resilience.
Negative Factors
Margin compression vs 2021–2022
Compression of gross and net margins relative to 2021–2022 reduces the earnings cushion and increases sensitivity to NIM shifts or funding cost rises. Sustained margin pressure would require higher revenue growth or efficiency gains to maintain returns and dividend capacity over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Sustained net margins (~26% TTM) and record six‑month net income indicate durable underlying profitability. This level of operating income supports ROE, funds internal investment and dividends, and provides a buffer against credit cycles, underpinning long‑term financial resilience.
Read all positive factors
Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$406.09M
Dividend Yield1.63%
Average Volume (3M)16.04K
Price to Earnings (P/E)9.2
Beta (1Y)0.77
Revenue Growth13.16%
EPS Growth37.40%
CountryUS
Employees189
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding17,026,829
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 Cap1.51
Enterprise Value/Revenue4.35
Enterprise Value/Gross Profit7.40
Enterprise Value/Ebitda14.40
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. 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 depos...
How the Company Makes Money
GCBC primarily makes money through its banking subsidiary by generating net interest income: it pays interest on customer deposits and other funding sources and earns interest on loans and interest-earning assets, with the spread between these rat...
Greene County Bancorp Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
82
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.40M | 132.94M | 117.57M | 96.77M | 75.58M | 68.00M |
| Gross Profit | 82.60M | 74.04M | 64.12M | 74.44M | 66.86M | 58.84M |
| EBITDA | 42.46M | 35.73M | 27.75M | 36.70M | 33.73M | 28.39M |
| Net Income | 36.55M | 31.14M | 24.77M | 30.79M | 27.99M | 23.94M |
Balance Sheet | ||||||
| Total Assets | 3.15B | 3.04B | 2.83B | 2.70B | 2.57B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 420.39M | 504.34M | 543.23M | 482.15M | 481.18M | 545.22M |
| Total Debt | 214.12M | 128.06M | 199.14M | 49.49M | 173.01M | 22.64M |
| Total Liabilities | 2.89B | 2.80B | 2.62B | 2.52B | 2.41B | 2.05B |
| Stockholders Equity | 258.27M | 238.84M | 206.00M | 183.28M | 157.71M | 149.58M |
Cash Flow | ||||||
| Free Cash Flow | 32.93M | 27.29M | 23.40M | 26.57M | 34.30M | 26.50M |
| Operating Cash Flow | 33.90M | 27.98M | 24.91M | 28.11M | 35.35M | 27.75M |
| Investing Cash Flow | -210.18M | -210.17M | -129.24M | 661.00K | -471.18M | -417.14M |
| Financing Cash Flow | 133.92M | 174.87M | 98.28M | 98.67M | 355.06M | 498.70M |
Greene County Bancorp Technical Analysis
Positive
22.25
Price Trends
22.83
Positive
22.78
Positive
22.97
Positive
Market Momentum
0.16
Negative
62.59
Neutral
77.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Positive. The current price of 22.25 is below the 20-day moving average (MA) of 22.48, below the 50-day MA of 22.83, and below the 200-day MA of 22.97, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 62.59 is Neutral, neither overbought nor oversold. The STOCH value of 77.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GCBC.
Greene County Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $406.09M | 9.19 | 15.00% | 1.63% | 13.16% | 37.40% | |
70 Outperform | $639.16M | 9.59 | 9.79% | 2.12% | 32.03% | 170.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $433.16M | 9.53 | 2.24% | 3.76% | 23.93% | ― | |
64 Neutral | $491.43M | 9.14 | 9.73% | 2.96% | 3.49% | 33.86% | |
64 Neutral | $468.25M | 8.40 | 11.07% | 3.03% | -0.65% | 14.14% | |
49 Neutral | $380.89M | 26.69 | 3.15% | ― | -15.07% | ― |
* Financial Sector Average
GCBC
Greene County Bancorp
23.85
2.35
10.95%
BMRC
Bank Of Marin Bancorp
26.86
6.75
33.57%
CWBC
Community West Bancshares
23.70
6.99
41.82%
CIVB
Civista Bancshares
23.70
4.68
24.61%
BSRR
Sierra Bancorp
35.51
10.34
41.08%
BRBS
Blue Ridge Bankshares
4.17
1.17
39.00%
Greene County Bancorp Corporate Events
Business Operations and StrategyDividendsRegulatory Filings and Compliance
Greene County Bancorp MHC Granted Dividend Waiver Approval
Positive
Mar 20, 2026
On March 19, 2026, Greene County Bancorp, MHC obtained nonobjection from the Federal Reserve Bank of Philadelphia to waive its right to receive up to $0.64 per share in dividends paid by Greene County Bancorp, Inc. over the four quarters ending Ma...
Business Operations and StrategyDividendsFinancial Disclosures
Greene County Bancorp Highlights Strategy and Record Profitability
Positive
Mar 9, 2026
In March 2026, Greene County Bancorp released an investor presentation ahead of first-quarter 2026 meetings with institutional investors to outline its strategy, recent performance and market positioning. The materials highlighted the company̵...
Business Operations and StrategyDividends
Greene County Bancorp Announces Quarterly Dividend Policy Shift
Neutral
Jan 21, 2026
On January 21, 2026, Greene County Bancorp, Inc. announced that its board approved a quarterly cash dividend of $0.10 per share on its common stock for the quarter ended December 31, 2025, maintaining an annualized dividend rate of $0.40 per share...
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.