GCBC
Greene County Bancorp, Inc.
Price Chart
Latest Quote
$28.71
-0.38 (-1.31%)
Current Price
| Previous Close | $29.09 |
| Open | $29.44 |
| Day High | $29.76 |
| Day Low | $28.51 |
| Volume | 77,436 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 1.37% |
| Shares Outstanding | 17.03M |
| Quarterly Dividend Yield | 1.37% |
| Quarterly Dividend | $0.40 |
| Total Debt | $110.18M |
| Cash Equivalents | $144.50M |
| Revenue | $86.44M |
| Net Income | $39.02M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $488.80M |
| P/E Ratio | 12.54 |
| EPS (TTM) | $2.29 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $460.95M |
| Sales | $86.44M |
| Income | $39.02M |
| Book/sh | $15.72 |
| Cash/sh | $8.49 |
| Employees | 190 |
Financial Ratios
| EPS Growth TTM | 30.60% |
Returns & Margins
| ROA | 1.26% |
| ROE | 15.71% |
| Operating Margin | 53.48% |
| Profit Margin | 45.14% |
Ownership
| Insider Ownership | 59.36% |
| Institutional Ownership | 13.94% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 1.83 |
| P/S | 5.65 |
| P/B | 1.83 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $27.70 |
| SMA50 | $25.43 |
| SMA200 | $23.32 |
| RSI | 66.59 |
| ATR | 1.3379 |
| Shares Float | 6.92M |
| Short Float | 0.87% |
| Short Ratio | 5.10 |
| Volatility | 0.44 |
| Rel Volume | 1.94 |
Performance History
| Week | -3.20% |
| Month | +14.84% |
| Quarter | +23.29% |
| 6 Months | +17.15% |
| YTD | +33.03% |
| Year | +32.96% |
| 3 Years | -7.56% |
| 5 Years | +120.10% |
| 10 Years | +316.06% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $28.71 | 77,436 |
| 2026-06-22 | $29.09 | 102,600 |
| 2026-06-18 | $29.42 | 119,300 |
| 2026-06-17 | $28.39 | 77,100 |
| 2026-06-16 | $28.83 | 66,300 |
| 2026-06-15 | $29.66 | 31,700 |
| 2026-06-12 | $30.17 | 38,100 |
| 2026-06-11 | $29.15 | 42,000 |
| 2026-06-10 | $28.87 | 26,800 |
| 2026-06-09 | $28.63 | 31,000 |
| 2026-06-08 | $28.21 | 42,100 |
| 2026-06-05 | $27.62 | 34,900 |
| 2026-06-04 | $26.96 | 16,700 |
| 2026-06-03 | $25.56 | 20,100 |
| 2026-06-02 | $25.90 | 11,900 |
| 2026-06-01 | $26.24 | 16,000 |
| 2026-05-29 | $26.24 | 14,900 |
| 2026-05-28 | $25.84 | 10,700 |
| 2026-05-27 | $25.25 | 4,900 |
| 2026-05-26 | $25.25 | 13,800 |
About Greene County Bancorp, Inc.
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
đ° Latest News
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Greene County: Fiscal Q2 Earnings Snapshot
Associated Press Finance âĸ 2026-01-21T14:27:31ZGreene County Bancorp's (NASDAQ:GCBC) investors will be pleased with their decent 85% return over the last five years
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Greene County Bancorp Insiders Placed Bullish Bets Worth US$803.5k
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Period:
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Income Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $75,354,000 | $64,887,000 | $73,364,000 | $70,142,000 |
| Operating Revenue | $75,354,000 | $64,887,000 | $73,364,000 | $70,142,000 |
| Expenses | ||||
| Interest Expense | $57,584,000 | $52,685,000 | $23,407,000 | $5,439,000 |
| Selling And Marketing Expense | $486,000 | $445,000 | $498,000 | $491,000 |
| General And Administrative Expense | $25,788,000 | $25,125,000 | $24,503,000 | $21,493,000 |
| Professional Expense And Contract Services Expense | $1,353,000 | $1,516,000 | $3,024,000 | $1,414,000 |
| Other Non Interest Expense | $8,325,000 | $7,060,000 | $7,551,000 | $7,450,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Interest Income | $60,121,000 | $50,979,000 | $61,218,000 | $58,005,000 |
| Interest Income | $117,705,000 | $103,664,000 | $84,625,000 | $63,444,000 |
| Normalized Income | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Income From Continuing And Discontinued Operation | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Income Common Stockholders | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Income | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Income Including Noncontrolling Interests | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Net Income Continuous Operations | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Pretax Income | $34,666,000 | $26,819,000 | $35,827,000 | $32,905,000 |
| Per Share | ||||
| Diluted EPS | - | $1.45 | $1.81 | $1.65 |
| Basic EPS | - | $1.45 | $1.81 | $1.65 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,065,000 | $928,000 | $871,000 | $826,000 |
| Diluted NI Availto Com Stockholders | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Tax Provision | $3,528,000 | $2,050,000 | $5,042,000 | $4,919,000 |
| Gain On Sale Of Security | $-665,000 | $0 | $-251,000 | $0 |
| Selling General And Administration | $26,274,000 | $25,570,000 | $25,001,000 | $21,984,000 |
| Other Gand A | $4,562,000 | $3,963,000 | $4,522,000 | $4,120,000 |
| Insurance And Claims | $1,373,000 | $1,289,000 | $1,085,000 | $826,000 |
| Salaries And Wages | $24,415,000 | $23,836,000 | $23,418,000 | $20,667,000 |
| Occupancy And Equipment | $3,420,000 | $3,156,000 | $3,032,000 | $3,111,000 |
| Diluted Average Shares | - | $17,026,828 | $17,026,828 | $17,026,828 |
| Basic Average Shares | - | $17,026,828 | $17,026,828 | $17,026,828 |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $238,837,000 | $206,000,000 | $183,283,000 | $157,714,000 |
| Total Assets | $3,040,609,000 | $2,825,788,000 | $2,698,283,000 | $2,571,740,000 |
| Receivables | $16,381,000 | $14,269,000 | $12,249,000 | $8,917,000 |
| Accounts Receivable | $16,381,000 | $14,269,000 | $12,249,000 | $8,917,000 |
| Cash And Cash Equivalents | $184,503,000 | $193,226,000 | $201,021,000 | $73,116,000 |
| Cash Financial | $12,788,000 | $13,897,000 | $15,305,000 | - |
| Cash Cash Equivalents And Federal Funds Sold | $184,503,000 | $193,226,000 | $201,021,000 | $73,116,000 |
| Prepaid Assets | - | - | $17,482,000 | $15,237,000 |
| Debt | ||||
| Total Debt | $128,056,000 | $199,137,000 | $49,495,000 | $173,010,000 |
| Long Term Debt And Capital Lease Obligation | $54,056,000 | $83,837,000 | $49,495,000 | $49,310,000 |
| Long Term Debt | $54,056,000 | $83,837,000 | $49,495,000 | $49,310,000 |
| Current Debt And Capital Lease Obligation | $74,000,000 | $115,300,000 | $0 | $123,700,000 |
| Current Debt | $74,000,000 | $115,300,000 | $0 | $123,700,000 |
| Other Current Borrowings | $74,000,000 | $115,300,000 | $0 | $123,700,000 |
| Net Debt | - | $5,911,000 | - | $99,894,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,801,772,000 | $2,619,788,000 | $2,515,000,000 | $2,414,026,000 |
| Payables And Accrued Expenses | - | - | $28,344,000 | $28,412,000 |
| Equity | ||||
| Common Stock Equity | $238,837,000 | $206,000,000 | $183,283,000 | $157,714,000 |
| Total Equity Gross Minority Interest | $238,837,000 | $206,000,000 | $183,283,000 | $157,714,000 |
| Stockholders Equity | $238,837,000 | $206,000,000 | $183,283,000 | $157,714,000 |
| Gains Losses Not Affecting Retained Earnings | $-13,536,000 | $-19,710,000 | $-21,408,000 | $-18,383,000 |
| Other Equity Adjustments | $-13,536,000 | $-19,710,000 | $-21,408,000 | $-18,383,000 |
| Retained Earnings | $241,403,000 | $214,740,000 | $193,721,000 | $165,127,000 |
| Other | ||||
| Treasury Shares Number | $195,852 | $195,852 | $195,852 | $195,852 |
| Ordinary Shares Number | $17,026,828 | $17,026,828 | $17,026,828 | $17,026,828 |
| Share Issued | $17,222,680 | $17,222,680 | $17,222,680 | $17,222,680 |
| Tangible Book Value | $238,837,000 | $206,000,000 | $183,283,000 | $157,714,000 |
| Invested Capital | $366,893,000 | $405,137,000 | $232,778,000 | $330,724,000 |
| Total Capitalization | $292,893,000 | $289,837,000 | $232,778,000 | $207,024,000 |
| Treasury Stock | $908,000 | $908,000 | $908,000 | $908,000 |
| Additional Paid In Capital | $10,156,000 | $10,156,000 | $10,156,000 | $10,156,000 |
| Capital Stock | $1,722,000 | $1,722,000 | $1,722,000 | $1,722,000 |
| Common Stock | $1,722,000 | $1,722,000 | $1,722,000 | $1,722,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $1,132,611,000 | $1,040,683,000 | $1,007,802,000 | $1,170,187,000 |
| Held To Maturity Securities | $776,147,000 | $690,354,000 | $726,363,000 | $761,852,000 |
| Available For Sale Securities | $36,623,000 | $328,000 | $306,000 | $273,000 |
| Net PPE | $15,232,000 | $15,606,000 | $15,028,000 | $14,362,000 |
| Accumulated Depreciation | $-12,951,000 | $-11,886,000 | $-13,828,000 | $-12,957,000 |
| Gross PPE | $28,183,000 | $27,492,000 | $28,856,000 | $27,319,000 |
| Machinery Furniture Equipment | $5,014,000 | $4,263,000 | $5,814,000 | $5,540,000 |
| Buildings And Improvements | $20,253,000 | $20,313,000 | $20,126,000 | $18,863,000 |
| Land And Improvements | $2,916,000 | $2,916,000 | $2,916,000 | $2,916,000 |
| Other Short Term Investments | $319,841,000 | $350,001,000 | $281,133,000 | $408,062,000 |
| Current Accrued Expenses | - | - | $28,344,000 | $28,412,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $27,287,000 | $23,402,000 | $26,572,000 | $34,303,000 |
| Operating Activities | ||||
| Operating Cash Flow | $27,978,000 | $24,908,000 | $28,109,000 | $35,354,000 |
| Cash Flow From Continuing Operating Activities | $27,978,000 | $24,908,000 | $28,109,000 | $35,354,000 |
| Operating Gains Losses | $591,000 | $-22,000 | $218,000 | $34,000 |
| Investing Activities | ||||
| Capital Expenditure | $-691,000 | $-1,506,000 | $-1,537,000 | $-1,051,000 |
| Investing Cash Flow | $-210,166,000 | $-129,235,000 | $661,000 | $-471,183,000 |
| Cash Flow From Continuing Investing Activities | $-210,166,000 | $-129,235,000 | $661,000 | $-471,183,000 |
| Net Other Investing Changes | $1,792,000 | $-5,256,000 | $5,323,000 | $-17,637,000 |
| Financing Activities | ||||
| Financing Cash Flow | $174,871,000 | $98,277,000 | $98,666,000 | $355,063,000 |
| Cash Flow From Continuing Financing Activities | $174,871,000 | $98,277,000 | $98,666,000 | $355,063,000 |
| Cash Dividends Paid | $-4,475,000 | $-3,240,000 | $-2,191,000 | $-2,634,000 |
| Common Stock Dividend Paid | $-4,475,000 | $-3,240,000 | $-2,191,000 | $-2,634,000 |
| Repurchase Of Capital Stock | - | - | - | - |
| Net Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-34,156,000 | $0 | $-123,700,000 | $-3,000,000 |
| Issuance Of Debt | $4,189,000 | $34,156,000 | $0 | $153,201,000 |
| Interest Paid Supplemental Data | $57,864,000 | $52,070,000 | $23,074,000 | $5,182,000 |
| Income Tax Paid Supplemental Data | $1,168,000 | $1,802,000 | $6,312,000 | $5,602,000 |
| End Cash Position | $183,078,000 | $190,395,000 | $196,445,000 | $69,009,000 |
| Beginning Cash Position | $190,395,000 | $196,445,000 | $69,009,000 | $149,775,000 |
| Changes In Cash | $-7,317,000 | $-6,050,000 | $127,436,000 | $-80,766,000 |
| Net Issuance Payments Of Debt | $-71,267,000 | $149,456,000 | $-123,700,000 | $150,201,000 |
| Net Short Term Debt Issuance | $-41,300,000 | $115,300,000 | $-123,700,000 | $120,700,000 |
| Net Long Term Debt Issuance | $-29,967,000 | $34,156,000 | $0 | $29,501,000 |
| Long Term Debt Payments | $-34,156,000 | $0 | - | $0 |
| Long Term Debt Issuance | $4,189,000 | $34,156,000 | $0 | $29,501,000 |
| Net Investment Purchase And Sale | $-84,002,000 | $-31,782,000 | $155,314,000 | $-309,514,000 |
| Sale Of Investment | $360,156,000 | $297,804,000 | $367,275,000 | $359,698,000 |
| Purchase Of Investment | $-444,158,000 | $-329,586,000 | $-211,961,000 | $-669,212,000 |
| Net PPE Purchase And Sale | $-691,000 | $-1,506,000 | $-1,537,000 | $-1,051,000 |
| Purchase Of PPE | $-691,000 | $-1,506,000 | $-1,537,000 | $-1,051,000 |
| Change In Working Capital | $-3,149,000 | $-91,000 | $-4,064,000 | $4,989,000 |
| Change In Payables And Accrued Expense | $3,038,000 | $2,359,000 | $-865,000 | $5,949,000 |
| Change In Accrued Expense | $2,604,000 | $2,037,000 | $256,000 | $5,950,000 |
| Change In Payable | $434,000 | $322,000 | $-1,121,000 | $-1,000 |
| Change In Tax Payable | $434,000 | $322,000 | $-1,121,000 | $-1,000 |
| Change In Income Tax Payable | $434,000 | $322,000 | $-1,121,000 | $-1,000 |
| Change In Prepaid Assets | $-4,075,000 | $-430,000 | $133,000 | $176,000 |
| Change In Receivables | $-2,112,000 | $-2,020,000 | $-3,332,000 | $-1,136,000 |
| Changes In Account Receivables | $-2,112,000 | $-2,020,000 | $-3,332,000 | $-1,136,000 |
| Other Non Cash Items | $-2,359,000 | $-2,057,000 | $-1,158,000 | $-1,143,000 |
| Deferred Tax | $-706,000 | $-74,000 | $-149,000 | $-682,000 |
| Deferred Income Tax | $-706,000 | $-74,000 | $-149,000 | $-682,000 |
| Depreciation Amortization Depletion | $1,065,000 | $928,000 | $871,000 | $826,000 |
| Depreciation And Amortization | $1,065,000 | $928,000 | $871,000 | $826,000 |
| Depreciation | $1,065,000 | $928,000 | $871,000 | $826,000 |
| Gain Loss On Investment Securities | $591,000 | $-22,000 | $218,000 | $34,000 |
| Net Income From Continuing Operations | $31,138,000 | $24,769,000 | $30,785,000 | $27,986,000 |
| Short Term Debt Payments | - | - | $-123,700,000 | $-3,000,000 |
| Short Term Debt Issuance | - | - | - | $123,700,000 |
| Common Stock Payments | - | - | - | - |
| Earnings Losses From Equity Investments | - | - | - | - |
Fetched: 2026-06-22