Greene County Bancorp AI Stock Analysis
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Greene County Bancorp (GCBC) AI Stock Analysis
Greene County Bancorp
(NASDAQ:GCBC)
The overall score of 67 reflects a stable regional bank with strengthening fundamentals. The primary strength is its financial performance, particularly a very conservative, deleveraged balance sheet and high-quality cash flow. This is supported by shareholder-friendly corporate actions, such as debt redemption and a concentrated dividend policy. The valuation is reasonable with a low P/E, and technicals are neutral. The main area to monitor is the pressure on gross margins, which tempers the otherwise positive financial picture.
Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $606.11M
- Dividend Yield
- 1.18%
- Average Volume (3M)
- 30.42K
- Price to Earnings (P/E)
- 13.6
- Beta (1Y)
- 0.44
- Revenue Growth
- 7.77%
- EPS Growth
- 32.33%
- Country
- US
- Employees
- 215
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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-bearing...
How the Company Makes Money
Greene County Bancorp makes money primarily through its banking subsidiary by earning interest income on loans and investment securities and by generating fee-based (noninterest) income from certain banking services. 1) Net interest income (core earn...
Greene County Bancorp Financial Statement Overview
Summary
Financial performance is solid, driven by a strong balance sheet (Score: 78) with low debt and improving ROE, and robust cash flow generation (Score: 72) with excellent earnings quality. The income statement (Score: 65) shows a strong TTM recovery in revenue and net margins, though gross margin pressure persists. Overall, the company demonstrates strengthening fundamentals and a conservative capital structure.
Income Statement
65PositiveBalance Sheet
78PositiveCash Flow
72Positive| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 147.69M | 145.79M | 132.94M | 117.57M | 96.77M | 75.58M |
| Gross Profit | 95.53M | 90.55M | 74.04M | 64.12M | 74.44M | 66.86M |
| EBITDA | 52.21M | 47.97M | 35.73M | 27.75M | 36.70M | 33.73M |
| Net Income | 44.65M | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M |
Balance Sheet | ||||||
| Total Assets | 3.24B | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B |
| Cash, Cash Equivalents and Short-Term Investments | 1.36B | 386.12M | 504.34M | 543.23M | 482.15M | 481.18M |
| Total Debt | 66.17M | 155.15M | 128.06M | 199.14M | 49.49M | 173.01M |
| Total Liabilities | 2.96B | 2.91B | 2.80B | 2.62B | 2.52B | 2.41B |
| Stockholders Equity | 285.98M | 277.83M | 238.84M | 206.00M | 183.28M | 157.71M |
Cash Flow | ||||||
| Free Cash Flow | 53.76M | 41.56M | 27.29M | 23.40M | 26.57M | 34.30M |
| Operating Cash Flow | 54.20M | 42.30M | 27.98M | 24.91M | 28.11M | 35.35M |
| Investing Cash Flow | -206.25M | -176.93M | -210.17M | -129.24M | 661.00K | -471.18M |
| Financing Cash Flow | 132.47M | 96.46M | 174.87M | 98.28M | 98.67M | 355.06M |
Greene County Bancorp Technical Analysis
Price Trends
Market Momentum
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 35.60 is above the 20-day moving average (MA) of 35.60, above the 50-day MA of 34.99, and above the 200-day MA of 29.18, indicating a bullish trend. The MACD of 0.30 indicates Positive momentum. The RSI at 52.14 is Neutral, neither overbought nor oversold. The STOCH value of 26.91 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
Overall Rating
OBT82.9Outperform
RBKB75Outperform
CHMG69Neutral- GCBC67Neutral
PBFS62Neutral
AROW48Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OBT | 83Outperform | $534.57M | 10.73 | 16.74% | 1.80% | 2.57% | 23.36% |
| RBKB | 75Outperform | $204.52M | 14.83 | 6.49% | ― | 9.53% | 104.84% |
| CHMG | 69Neutral | $413.27M | 10.68 | 14.49% | 1.62% | 18.85% | 184.40% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GCBC | 67Neutral | $606.45M | 13.59 | 16.39% | 1.18% | 7.77% | 32.33% |
| PBFS | 62Neutral | $451.00M | 35.01 | 3.88% | ― | 17.83% | -36.83% |
| AROW | 48Neutral | $716.94M | 14.57 | 9.63% | 3.11% | 13.56% | 26.88% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GCBC | Greene County | 35.60 | 14.23 | 66.61% | |
| AROW | Arrow Financial Corporation | 38.62 | 10.01 | 34.98% | |
| CHMG | Chemung Financial Corp | 85.11 | 35.68 | 72.17% | |
| RBKB | Rhinebeck Bancorp | 13.05 | 6.01 | 85.40% | |
| PBFS | Pioneer Bancorp | 18.33 | 5.07 | 38.24% | |
| OBT | Orange County Bancorp, Inc. | 40.03 | 15.47 | 63.00% |
Greene County Bancorp Corporate Events
Greene Bancorp Holds 2026 Annual Stockholders Meeting
NeutralOn November 7, 2026, Greene County Bancorp, Inc., now known as Greene Bancorp, Inc., held its 2026 Annual Meeting of Stockholders. Stockholders elected Christopher Cannucciari and Peter W. Hogan, CPA, as directors for three-year terms and ratified Bo...
Greene County Bancorp Stockholders Approve Greene Bancorp Name Change
NeutralGreene County Bancorp, Inc., now Greene Bancorp, Inc., is a mid-tier savings and loan holding company.On November 7, 2026, stockholders approved changing the company’s legal name to Greene Bancorp, Inc., with the amendment effective that day. The Boa...
Greene County Bancorp Maintains Quarterly Dividend Payout Policy
PositiveOn 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 re...
Greene County Bancorp Redeems Subordinated Notes to Optimize Capital
PositiveOn 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 company...
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.
Date of analysis: Nov 12, 2026