Greene County Bancorp (GCBC) AI Stock Analysis

• Market Cap: $378.00M
• Dividend Yield: 1.67%
• Average Volume (3M): 16.04K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.96
• Revenue Growth: 13.16%
• EPS Growth: 37.40%
• Country: US
• Employees: 189
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.52
• Shares Outstanding: 17,026,829
• 10 Day Avg. Volume: 15,633
• 30 Day Avg. Volume: 16,040
• PEG Ratio: 0.46
• Price to Book (P/B): 1.58
• Price to Sales (P/S): 2.85
• P/FCF Ratio: 13.87
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: 3.73
• Enterprise Value/Gross Profit: 6.70
• Enterprise Value/Ebitda: 13.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $23.00 ▲(2.45% Upside)

Greene County Bancorp's financial performance is strong, with robust profitability and operational efficiency, but the decline in revenue growth is a concern. The technical analysis indicates a bearish trend, and the stock is fairly valued with a reasonable P/E ratio and dividend yield. The absence of earnings call data and corporate events limits additional insights.

Greene County Bancorp Business Overview & Revenue Model

Company Description

Greene County Bancorp (GCBC) is a financial institution headquartered in Greene County, New York, offering a range of banking services primarily to individuals and businesses in the local community. The company operates through its flagship bank, Greene County Bank, which provides traditional banking products such as savings accounts, checking accounts, loans, and mortgages. GCBC also engages in investment services and wealth management, catering to a diverse clientele seeking financial solutions tailored to their needs.

How the Company Makes Money

Greene County Bancorp generates revenue primarily through interest income from loans and mortgages, which is a significant portion of its earnings. The company offers various loan products, including commercial loans, consumer loans, and residential mortgages, which are typically charged at higher interest rates than the rates paid on deposits. Additionally, GCBC earns fee income from account services, transaction fees, and other banking operations. Investment services and wealth management also contribute to the revenue stream, as the bank may charge fees for advisory services and manage investment portfolios for clients. Strategic partnerships with local businesses and community organizations enhance customer engagement and drive deposits, further supporting the bank's financial growth.

Greene County Bancorp Financial Statement Overview

Summary

Greene County Bancorp shows strong profitability with high profit margins and a healthy return on equity. However, the recent decline in revenue growth is a concern, and there is room for improvement in cash conversion efficiency.

Income Statement

Greene County Bancorp has demonstrated strong profitability with a consistent gross profit margin of 100% over the years. The net profit margin has improved significantly to 42.41% in the latest year, indicating efficient cost management. However, the revenue growth rate has seen a sharp decline of 43.29% in the most recent year, which is a concern for future revenue stability. The EBIT and EBITDA margins are robust, reflecting strong operational efficiency.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.54, indicating a balanced approach to leveraging. The return on equity is healthy at 13.04%, showcasing effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt compared to equity in the capital structure. The trend of decreasing debt-to-equity ratio over the years is a positive sign of improving financial stability.

Cash Flow

The free cash flow growth rate has improved by 8.09% recently, indicating better cash generation capabilities. The operating cash flow to net income ratio is low at 0.38, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 97.53%, reflecting efficient cash management. The overall cash flow position is stable but could benefit from improved cash conversion efficiency.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	132.94M	132.94M	117.57M	96.77M	75.58M	68.00M
Gross Profit	74.04M	74.04M	64.12M	74.44M	66.86M	58.84M
EBITDA	35.73M	35.73M	27.75M	36.70M	33.73M	28.39M
Net Income	31.14M	31.14M	24.77M	30.79M	27.99M	23.94M
Balance Sheet
Total Assets	3.04B	3.04B	2.83B	2.70B	2.57B	2.20B
Cash, Cash Equivalents and Short-Term Investments	368.85M	368.85M	543.23M	482.15M	481.18M	545.22M
Total Debt	128.06M	128.06M	199.14M	49.49M	173.01M	22.64M
Total Liabilities	2.80B	2.80B	2.62B	2.52B	2.41B	2.05B
Stockholders Equity	238.84M	238.84M	206.00M	183.28M	157.71M	149.58M
Cash Flow
Free Cash Flow	27.29M	27.29M	23.40M	26.57M	34.30M	26.50M
Operating Cash Flow	27.98M	27.98M	24.91M	28.11M	35.35M	27.75M
Investing Cash Flow	-210.17M	-210.17M	-129.24M	661.00K	-471.18M	-417.14M
Financing Cash Flow	174.87M	174.87M	98.28M	98.67M	355.06M	498.70M

Greene County Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 22.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GCBC, the sentiment is Neutral. The current price of 22.45 is above the 20-day moving average (MA) of 22.23, below the 50-day MA of 22.82, and below the 200-day MA of 23.46, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 50.20 is Neutral, neither overbought nor oversold. The STOCH value of 54.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GCBC.

Greene County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CWBC	71 Outperform	$404.42M	11.87	8.91%	2.24%	32.03%	170.90%
BMRC	70 Neutral	$420.06M	42.24	2.24%	3.79%	23.93%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSRR	63 Neutral	$400.56M	10.32	11.07%	3.37%	-0.65%	14.14%
CIVB	63 Neutral	$422.37M	8.17	9.73%	3.11%	3.49%	33.86%
GCBC	61 Neutral	$378.00M	11.20	14.53%	1.67%	13.16%	37.40%
BRBS	49 Neutral	$429.31M	105.43	1.29%	―	-15.07%	―

Greene County Bancorp Corporate Events

Greene County Bancorp Declares Quarterly Cash Dividend

On October 22, 2025, Greene County Bancorp, Inc. announced that its Board of Directors approved a quarterly cash dividend of $0.10 per share, maintaining the annual dividend rate of $0.40 per share. The mutual holding company, Greene County Bancorp, MHC, which owns a majority of the company’s shares, plans to waive its right to receive this dividend, having received nonobjection from the Federal Reserve Bank of Philadelphia for such waivers through the quarter ending September 30, 2025.

The most recent analyst rating on (GCBC) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Greene County Bancorp stock, see the GCBC Stock Forecast page.

Greene County Bancorp Redeems $20M Subordinated Notes

On October 1, 2025, Greene County Bancorp, Inc. redeemed $20 million of its 4.75% Fixed-to-Floating Rate Subordinated Notes due in 2030, using cash on hand. This financial maneuver reflects the company’s strategic management of its debt obligations, potentially strengthening its financial position and impacting stakeholders positively.

The most recent analyst rating on (GCBC) stock is a Buy with a $27.00 price target. To see the full list of analyst forecasts on Greene County Bancorp stock, see the GCBC Stock Forecast page.

Greene County Bancorp Reports Record Earnings and Expansion

Greene County Bancorp, Inc. is a community-based banking service provider in the Hudson Valley and Capital Region of New York State, operating through the Bank of Greene County and its subsidiary Greene County Commercial Bank. The company is publicly traded on the Nasdaq Capital Market under the ticker GCBC.