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Greene County Bancorp
(NASDAQ:GCBC)
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Rating:71Outperform
Price Target:
$39.00
▲(12.46% Upside)
Action:Reiterated
Date:10/21/26
Overall score is driven primarily by strong financial performance (growth and solid ROE) tempered by margin compression, leverage/debt considerations, and a cash-flow ratio data inconsistency. Technicals indicate an established uptrend but with mixed momentum (slightly negative MACD). Valuation appears reasonable on earnings with a modest dividend, and corporate events add a positive capital-return and capital-management signal.
Positive Factors
Revenue and Earnings Growth
Sustained expansion in revenue and net income indicates that Greene County Bancorp is growing its banking franchise and converting that growth into profits. This strengthens internal funding capacity, supports continued investment in customer channels, and provides a durable base for future earnings.
Negative Factors
Margin Compression
The decline in net margin shows that faster revenue growth has not fully translated into proportional profit expansion. Continued pressure on spread or operating economics could reduce earnings conversion, constrain capital generation, and make future results more sensitive to changes in banking conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Earnings Growth
Sustained expansion in revenue and net income indicates that Greene County Bancorp is growing its banking franchise and converting that growth into profits. This strengthens internal funding capacity, supports continued investment in customer channels, and provides a durable base for future earnings.
Read all positive factors
Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$609.85M
Dividend Yield1.14%
Average Volume (3M)37.26K
Price to Earnings (P/E)13.7
Beta (1Y)0.66
Revenue Growth7.77%
EPS Growth32.33%
CountryUS
Employees215
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.41
Shares Outstanding17,025,484
10 Day Avg. Volume23,664
30 Day Avg. Volume37,261
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)2.06
Price to Sales (P/S)3.92
P/FCF Ratio13.76
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue4.20
Enterprise Value/Gross Profit6.76
Enterprise Value/Ebitda12.76
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 makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the core revenue stream for a community bank: it is the spread between inte...
Greene County Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 145.79M | 132.94M | 117.57M | 96.77M | 75.58M |
| Gross Profit | 90.55M | 74.04M | 64.12M | 74.44M | 66.86M |
| EBITDA | 47.97M | 35.73M | 27.75M | 36.70M | 33.73M |
| Net Income | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M |
Balance Sheet | |||||
| Total Assets | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B |
| Cash, Cash Equivalents and Short-Term Investments | 386.12M | 504.34M | 543.23M | 482.15M | 481.18M |
| Total Debt | 155.15M | 128.06M | 199.14M | 49.49M | 173.01M |
| Total Liabilities | 2.91B | 2.80B | 2.62B | 2.52B | 2.41B |
| Stockholders Equity | 277.83M | 238.84M | 206.00M | 183.28M | 157.71M |
Cash Flow | |||||
| Free Cash Flow | 41.56M | 27.29M | 23.40M | 26.57M | 34.30M |
| Operating Cash Flow | 42.30M | 27.98M | 24.91M | 28.11M | 35.35M |
| Investing Cash Flow | -176.93M | -210.17M | -129.24M | 661.00K | -471.18M |
| Financing Cash Flow | 96.46M | 174.87M | 98.28M | 98.67M | 355.06M |
Greene County Bancorp Technical Analysis
Positive
34.68
Price Trends
34.74
Positive
33.42
Positive
28.30
Positive
Market Momentum
0.22
Negative
59.62
Neutral
58.38
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 34.68 is above the 20-day moving average (MA) of 34.42, below the 50-day MA of 34.74, and above the 200-day MA of 28.30, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 59.62 is Neutral, neither overbought nor oversold. The STOCH value of 58.38 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $515.54M | 10.83 | 16.44% | 1.87% | 6.51% | 38.77% | |
71 Outperform | $609.85M | 13.67 | 16.39% | 1.14% | 7.77% | 32.33% | |
71 Outperform | $201.23M | 13.99 | 7.20% | ― | 34.21% | ― | |
70 Outperform | $410.84M | 10.69 | 14.49% | 1.62% | 18.42% | 190.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $712.05M | 12.32 | 11.82% | 3.10% | 8.43% | 69.62% | |
62 Neutral | $451.62M | 25.97 | 5.22% | ― | 16.32% | -16.91% |
* Financial Sector Average
GCBC
Greene County Bancorp
35.82
13.63
61.40%
AROW
Arrow Financial
38.44
12.12
46.04%
CHMG
Chemung Financial
85.21
34.52
68.11%
RBKB
Rhinebeck Bancorp
12.87
5.99
87.01%
PBFS
Pioneer Bancorp
18.18
5.02
38.15%
OBT
Orange County Bancorp
38.45
14.84
62.85%
Greene County Bancorp Corporate Events
Business Operations and StrategyDividends
Greene County Bancorp Maintains Quarterly Dividend Payout Policy
Positive
Oct 21, 2026
On October 21, 2026, Greene County Bancorp, Inc. announced that its board approved a quarterly cash dividend of $0.11 per share on common stock, maintaining an annual dividend rate of $0.44 per share, unchanged from the prior quarter. The dividend...
Business Operations and StrategyPrivate Placements and Financing
Greene County Bancorp Redeems Subordinated Notes to Optimize Capital
Positive
Sep 15, 2026
On September 15, 2026, Greene County Bancorp, Inc. redeemed $10.0 million in principal of its 3.00% Fixed-to-Floating Rate Subordinated Notes due September 15, 2031. The redemption was executed at par plus accrued and unpaid interest, and the comp...
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 ...
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.