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GCBC Stock Chart & Stats
$22.25
-$0.11(-0.41%)
At close: 4:00 PM EST
$22.25
-$0.11(-0.41%)
Day’s Range― - ―
52-Week Range$21.25 - $36.02
Previous CloseN/A
Volume8.70K
Average Volume (3M)16.04K
Market Cap
$545.67M
Enterprise Value$450.02M
Total Cash (Recent Filing)$492.65M
Total Debt (Recent Filing)$107.34M
Price to Earnings (P/E)14.0
Beta0.76
Next Earnings
Jul 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.63%
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 Cap0.82
Enterprise Value/Revenue3.15
Enterprise Value/Gross Profit5.17
Enterprise Value/Ebitda9.79
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
Bulls Say, Bears Say
Bulls Say
ProfitabilityTTM profitability (net margin ~27% and ROE ~15%) shows the core lending and fee businesses generate durable earnings. For a community bank, sustained margins support reinvestment, dividend consistency and capital formation, helping the franchise absorb cyclical shocks.
Cash ConversionVery high free-cash-flow conversion (FCF ≈ 98% of net income) indicates earnings largely convert to cash. That cash generation underpins sustainable dividends and buybacks and funds organic loan growth, reducing reliance on external funding over multiple quarters.
Asset Quality & FundingVery low NPAs (0.10%) combined with a conservative loan-to-deposit ratio (63%) and $267.6M equity on $3.2B assets indicate strong credit discipline and ample core deposit funding. These traits support steady lending capacity and lower loss risk over time.
Bears Say
Margin SensitivityReported margin compression relative to 2022–2023 highlights sensitivity of net interest margin and profitability to rate cycles and competitive funding costs. Sustained compression would materially reduce cash generation and constrain capital returns over several quarters.
Leverage VolatilityMaterial swings in debt-to-equity across recent years indicate the capital structure is variable. Such leverage volatility can reduce predictability of capital buffers, increase refinancing risk in stress, and complicate long-term planning for lending and shareholder distributions.
Cash-Flow Timing RiskOperating cash flow showed extreme variability across annual periods versus the TTM result, implying working-capital and timing noise. Inconsistent cash flow weakens predictability for dividends, buybacks and provisioning, increasing execution risk over multi-quarter horizons.
Greene County Bancorp News
GCBC FAQ
What was Greene County Bancorp’s price range in the past 12 months?
Greene County Bancorp lowest stock price was $21.25 and its highest was $36.02 in the past 12 months.
What is Greene County Bancorp’s market cap?
Greene County Bancorp’s market cap is $545.67M.
When is Greene County Bancorp’s upcoming earnings report date?
Greene County Bancorp’s upcoming earnings report date is Jul 27, 2026 which is in 16 days.
How were Greene County Bancorp’s earnings last quarter?
Greene County Bancorp released its earnings results on Apr 22, 2026. The company reported $0.618 earnings per share for the quarter, beating the consensus estimate of N/A by $0.618.
Is Greene County Bancorp overvalued?
According to Wall Street analysts Greene County Bancorp’s price is currently Overvalued.
Does Greene County Bancorp pay dividends?
Greene County Bancorp pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.63%. See more information on Greene County Bancorp dividends here
What is Greene County Bancorp’s EPS estimate?
Greene County Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Greene County Bancorp have?
Greene County Bancorp has 17,025,484 shares outstanding.
What happened to Greene County Bancorp’s price movement after its last earnings report?
Greene County Bancorp reported an EPS of $0.618 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.345%.
Which hedge fund is a major shareholder of Greene County Bancorp?
Currently, no hedge funds are holding shares in GCBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Greene County Bancorp Stock Smart Score
Outperform
1
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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
GCBC Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 6.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $187.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-26.01%
12-Months-Change
Fundamentals
Return on Equity
15.41%
Trailing 12-Months
Asset Growth
5.76%
Trailing 12-Months
Company Description
Greene County Bancorp
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-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending activities include a comprehensive portfolio featuring residential, construction and land, and multi-family mortgage loans, alongside commercial real estate mortgages. Consumer credit options are also available, such as financing for new and used automobiles, personal loans, home equity loans, and various other installment loans including passbook-secured loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdraft facilities. Additionally, the company provides commercial loans. As of June 30, 2021, it maintained a network of 17 full-service banking branches. The company, founded in 1889, is headquartered in Catskill, New York, and operates as a subsidiary of Greene County Bancorp, MHC.
Technical Analysis
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Ownership Overview
2.89% Insiders
3.86% Mutual Funds
1.57% Other Institutional Investors
87.66% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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