Greene County Bancorp, Inc.

Greene County Bancorp, Inc.

GCBC
Greene County Bancorp, Inc.US flagNASDAQ Capital Market
25.90
USD
-0.34
- -
440.96MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.57
1.59
1.72
1.9
2.17
2.49
2.83
3.14
3.69
4.12
4.31
3.81
- -
5.17
Basic EPS, GAAP
0.38
0.39
0.43
0.53
0.66
0.85
1.02
1.1
1.41
1.64
1.81
1.45
- -
2.29
Free Cash Flow per Basic Share
0.61
0.64
0.71
0.79
0.82
1.2
1.23
1.5
1.56
2.01
1.56
1.37
- -
2.13
Dividend per Share
0.13
0.08
0.11
0.11
0.11
0.09
0.12
0.13
0.14
0.15
0.13
0.19
- -
0.23
Book Value per Share
2.78
3.08
3.39
3.82
4.35
5.11
6.01
6.98
8.26
9.8
11.48
12.71
- -
15.83
Tangible Book Value per Share
3.35
3.64
3.97
4.39
4.92
5.65
6.58
7.55
8.79
9.26
10.76
12.1
- -
15.72
Basic Weighted Avg Shares
17
17
17
17
17
17
17
17
17
17
17
17
- -
17
Sales/Revenue/Turnover
26
27
29
32
37
42
48
53
63
70
73
65
75
88
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
6
7
7
9
11
14
17
19
24
28
31
25
31
39
Effective Tax Rate (%)
29.55
27.99
24.38
23.01
25.06
22.13
16.85
13.92
13.3
14.95
14.07
7.64
10.18
13.03
Profit Margin (%)
24.28
24.47
24.71
27.85
30.39
33.99
36.15
35.01
38.12
39.9
41.96
38.17
41.32
44.3
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4
14
19
20
23
18
14
8
20
49
49
84
54
34
Total Equity
56
61
67
74
84
96
112
129
150
158
183
206
239
268
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
14.34
13.28
13.21
14.72
16.14
17.9
18.43
16.89
18.43
18.2
16.99
12.03
13.55
15.48

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
180
73
LT Borrowings
54
34
34
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
385
379
382

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
471
510
493
Accounts Receivable, Net
17
18
20
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
180
73
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.62%
13.22%
15.94%
Free Cash Flow
10.13%
3.01%
16.6%
Net Income, GAAP
16.77%
12.18%
25.71%
Sales/Revenue/Turnover
10.31%
7.66%
16.13%
Total Cash Common Dividend
11.57%
17.23%
38.12%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17
16
16
17
65
2025
17
18
20
20
75
2026
22
22
24
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.38
0.34
0.34
0.4
1.45
2025
0.37
0.44
0.47
0.55
- -
2026
0.52
0.6
0.62
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.04
0.04
0.04
0.19
2025
0.09
0.09
0.04
0.04
- -
2026
0.05
0.05
0.1
- -
- -

Company Description

APIChat
CEO
Donald E. Gibson
Full Time Employees
189
Sector
Financial Services
Industry
Banks - Regional
Address
302 Main Street Catskill NY United States of America 12414
IPO Date
Jun 30, 1999
Business
Greene County Bancorp, Inc. Greene County Bancorp, Inc. (Nasdaq: GCBC) serves as the holding company for The Bank of Greene County and its subsidiary Greene County Commercial Bank, providing full-service retail, commercial, municipal, and wealth management banking to customers in New York's Hudson Valley and Capital Region. Founded in 1889 and headquartered in Catskill, New York, the company offers deposit products including savings accounts, NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement accounts; loan products such as one- to four-family residential mortgages, construction and land loans, multifamily loans, commercial real estate mortgages, consumer loans on new and used automobiles, personal loans, home equity loans, passbook loans, unsecured home improvement loans, recreational vehicle loans, deposit account overdrafts, and commercial business loans; and additional services encompassing transaction processing, investment brokerage through third-party providers, securities investment and sales, corporate cash management, and municipal lending. The company operates banking offices, lending centers, an operations center, a customer call center, and a wealth management center, primarily targeting individuals, businesses, nonprofits, and local governments in its market area, with a subsidiary structure regulated under Greene County Bancorp, MHC ownership. In recent developments, Greene County Bancorp, Inc. reports record net income of $31.1 million for the fiscal year ended June 30, 2025, alongside total assets reaching $2.9 billion, deposits at $2.5 billion, and net loans at $1.5 billion; announces expansion into Saratoga County with a new branch on Route 146 in Clifton Park by late October 2025, marking its 19th location; and maintains recognition as the Capital Region's top commercial mortgage lender with $183.4 million in 2024 volume per the Albany Business Review, while ranking among the fastest-growing companies over $100 million in the region.

Company News

APIChat
  • Greene County Bancorp, Inc. Delivers Net Income of $10.5 Million for the Quarter Ended March 31, 2026, the Highest Quarterly Earnings in the Bank's 137-Year History and Announces a Stock Repurchase Program

  • Greene County Bancorp, Inc. Announces Cash Dividend

  • Greene County Bancorp, Inc. Adopts Stock Repurchase Program

  • Greene County Bancorp (NASDAQ:GCBC) Shares Pass Below 50 Day Moving Average – Here’s What Happened

  • Logansport Financial (OTCMKTS:LOGN) versus Greene County Bancorp (NASDAQ:GCBC) Financial Analysis

  • There Is A Lot To Like About Greene County Bancorp

  • Comparing Logansport Financial (OTCMKTS:LOGN) & Greene County Bancorp (NASDAQ:GCBC)

  • Greene County Bancorp (NASDAQ:GCBC) vs. Sturgis Bancorp (OTCMKTS:STBI) Financial Analysis

  • Greene County Bancorp, Inc. Announces Cash Dividend

  • Greene County Bancorp, Inc. Delivers Net Income of $10.3 Million for the Quarter Ended December 31, 2025, the Highest Quarterly Earnings in the Bank's 137-Year History

  • Greene County Bancorp, Inc. Recognized as a Top-Performing Bank in Piper Sandler's Class of 2025 Bank & Thrift Small-Cap All Stars

  • Greene County Bancorp, Inc. Announces Cash Dividend

  • Greene County Bancorp, Inc. Reports Net Income of $8.9 Million for the Three Months Ended September 30, 2025, and Finalized Expansion Plans into Saratoga County

  • Greene County Bancorp, Inc. Reports Record High Net Income of $31.1 Million for the Fiscal Year Ended June 30, 2025, Announces Plans to Expand into Saratoga County

  • Greene County Bancorp, Inc. Announces Cash Dividend Increase

  • Greene County Bancorp, Inc. Reports Net Income of $8.1 Million for the Quarter Ended March 31, 2025 and Reaches New Milestone of $3.0 Billion in Assets

  • Greene County Bancorp, Inc. Announces Cash Dividend

  • Greene County Bancorp, Inc. Reports Net Income of $7.5 Million for the Three Months Ended December 31, 2024, an Increase of 31% When Comparing the Same Quarter Ended December 31, 2023

  • Greene County Bancorp, Inc. Announces Cash Dividend

  • Greene County Bancorp, Inc. Reports Net Income of $6.3 million for the Three Months Ended September 30, 2024 and Reaches New Milestone of $2.9 Billion in Assets