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Greene County Bancorp (GCBC) AI Stock Analysis
Greene County Bancorp
(NASDAQ:GCBC)
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.
Greene County Bancorp (GCBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $622.96M
- Dividend Yield
- 1.12%
- Average Volume (3M)
- 31.21K
- Price to Earnings (P/E)
- 14.0
- Beta (1Y)
- 0.64
- 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 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 interes...
Greene County Bancorp Financial Statement Overview
Summary
Strong multi-year revenue and earnings growth with solid profitability (latest net margin ~28%) and healthy ROE (~14.8%). Offsetting factors include margin compression versus earlier years, historical leverage volatility, a recent uptick in total debt, and a noted inconsistency in reported cash-flow coverage ratios that reduces confidence in ratio-based cash-flow strength.
Income Statement
82Very PositiveBalance Sheet
74PositiveCash Flow
70Positive| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 145.79M | 145.79M | 132.94M | 117.57M | 96.77M | 75.58M |
| Gross Profit | 90.55M | 90.55M | 74.04M | 64.12M | 74.44M | 66.86M |
| EBITDA | 47.97M | 47.97M | 35.73M | 27.75M | 36.70M | 33.73M |
| Net Income | 41.02M | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M |
Balance Sheet | ||||||
| Total Assets | 3.18B | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B |
| Cash, Cash Equivalents and Short-Term Investments | 386.12M | 386.12M | 504.34M | 543.23M | 482.15M | 481.18M |
| Total Debt | 155.15M | 155.15M | 128.06M | 199.14M | 49.49M | 173.01M |
| Total Liabilities | 2.91B | 2.91B | 2.80B | 2.62B | 2.52B | 2.41B |
| Stockholders Equity | 277.83M | 277.83M | 238.84M | 206.00M | 183.28M | 157.71M |
Cash Flow | ||||||
| Free Cash Flow | 41.56M | 41.56M | 27.29M | 23.40M | 26.57M | 34.30M |
| Operating Cash Flow | 42.30M | 42.30M | 27.98M | 24.91M | 28.11M | 35.35M |
| Investing Cash Flow | -176.93M | -176.93M | -210.17M | -129.24M | 661.00K | -471.18M |
| Financing Cash Flow | 96.46M | 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 36.26 is above the 20-day moving average (MA) of 34.91, above the 50-day MA of 34.88, and above the 200-day MA of 28.65, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 64.27 is Neutral, neither overbought nor oversold. The STOCH value of 63.99 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
OBT75Outperform
AROW73Outperform- GCBC71Outperform
RBKB71Outperform
CHMG70Outperform
PBFS62Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OBT | 75Outperform | $518.75M | 10.75 | 16.74% | 1.80% | 2.57% | 23.36% |
| AROW | 73Outperform | $710.57M | 14.81 | 9.63% | 3.03% | 13.56% | 26.96% |
| GCBC | 71Outperform | $608.83M | 13.96 | 16.39% | 1.12% | 7.77% | 32.33% |
| RBKB | 71Outperform | $202.17M | 14.70 | 6.49% | ― | 9.53% | 103.97% |
| CHMG | 70Outperform | $417.55M | 10.97 | 14.49% | 1.58% | 18.42% | 190.13% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBFS | 62Neutral | $447.90M | 35.24 | 3.91% | ― | 17.61% | -36.83% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GCBC | Greene County | 36.59 | 14.74 | 67.48% | |
| AROW | Arrow Financial Corporation | 39.26 | 10.05 | 34.40% | |
| CHMG | Chemung Financial Corp | 87.42 | 37.95 | 76.70% | |
| RBKB | Rhinebeck Bancorp | 12.94 | 5.95 | 85.15% | |
| PBFS | Pioneer Bancorp | 18.45 | 5.32 | 40.52% | |
| OBT | Orange County Bancorp, Inc. | 40.11 | 15.56 | 63.39% |
Greene County Bancorp Corporate Events
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...
Greene County Bancorp Raises Quarterly Cash Dividend
PositiveOn 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 10%...
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: Oct 21, 2026