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Greene County Bancorp(NASDAQ) GCBC

Current Price$32.70
Market Cap$555.03MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+5,667%
5 Year+125%
1 Year+29%
1 Month+14%
Greene County Bancorp last closing stock price
MetricPriceDate
Last closeUSD 32.682026-07-23
Greene County Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.46%USD 33.502026-07-16
1 month+13.81%USD 28.712026-06-23
3 month+40.02%USD 23.342026-04-24
Year to date+48.21%USD 22.052025-12-31
1 year+29.05%USD 25.322025-07-23
3 year+7.77%USD 30.322023-07-24
5 year+125.2%USD 14.512021-07-23
Since inception+5,666.57%USD 0.571998-12-31

Greene County Bancorp Financials at a Glance

Market Cap

$555.03MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$143.04M

Net Income (TTM)

$39.02M

EPS (TTM)

$2.29

P/E Ratio

14.23

Dividend

$0.40

Beta (Volatility)

0.67 (Low)

Price

$32.70

Volume

8,487

Open

$32.63

Previous Close

$32.70

Daily Range

$32.03 - $32.90

52-Week Range

$21.25 - $36.02

Estimated Earnings Date

Jul 23, 2026

GCBC News

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About Greene County Bancorp

Greene County Bancorp offers savings accounts and loans to local residents and businesses. Its services help people manage money and finance homes or projects. The company supports municipalities, families, and small businesses in New York’s Hudson Valley.

Money Matters: What Greene County Bancorp Offers

  • Deposit Accounts: Savings, checking, and retirement accounts for individuals, businesses, and local governments (percentage of revenue not disclosed).
  • Loans: Residential, commercial real estate, and consumer loans for homebuyers, businesses, and personal needs (commercial real estate loans are 64.8% of total loans as of March 2025).
  • Municipal Banking: Specialized deposit and lending services for local government entities (municipal deposits are 47.9% of total deposits as of March 2025).
  • Wealth Management: Investment and advisory services for individuals and organizations (percentage of revenue not disclosed).
  • Other Services: Debit cards, e-commerce, and bank-owned life insurance for a range of customers.

Branching Out: Growth Moves and Milestones

  • Expanded to 18 full-service offices in New York by March 2025.
  • Increased focus on commercial real estate and home equity lending since 2024.
  • Invested in solar tax credit programs for regulatory compliance and tax benefits.
  • Grew municipal banking services through Greene County Commercial Bank subsidiary.
  • No major acquisitions or global market entries reported in recent years.

Why Greene County Bancorp Stands Out

The company’s strength lies in its local market focus and strong municipal relationships. It maintains conservative lending standards and a diversified funding base. Its risk management practices help it navigate interest rate and credit challenges.

Five Things You Need to Know

  • Total revenue was $37 million in QQ2 2026, up 10.1% year-over-year.
  • Net income reached $10 million in QQ2 2026, up 37.4% from QQ2 2025.
  • Commercial real estate loans made up 64.8% of total loans as of March 2025.
  • Municipal deposits were 47.9% of total deposits as of March 2025.
  • Shareholders’ equity was $229 million at March 2025, up from $206 million in June 2024.

Bottom Line

Greene County Bancorp has grown by focusing on local banking and municipal services. Its conservative approach and steady expansion support its role in the regional financial sector.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

203

CEO

Donald E. Gibson, MBA

Website

greenecountybancorp.q4ir.com

Headquarters

Catskill, NY 12414, US

GCBC Financials

Key Financial Metrics (TTM)

Gross Margin

60.86%

Operating Margin

31.36%

Net Income Margin

27.28%

Return on Equity

15.41%

Return on Capital

9.45%

Return on Assets

1.23%

Earnings Yield

7.03%

Dividend Yield

1.23%

Payout Ratio

10.18%

Stock Overview

Market Cap

$555.03MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.03M

Volume

8.49K

Avg. Volume

36.81K

Financials (TTM)

Gross Profit

$87.05M

Operating Income

$44.86M

EBITDA

$45.97M

Operating Cash Flow

$37.26M

Capital Expenditure

-$929.00K

Free Cash Flow

$36.33M

Cash & ST Invst.

$492.65M

Total Debt

$107.34M

Greene County Bancorp Performance Analysis

Greene County Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30USD 75,581,000N/A
20232023-06-30USD 96,771,00028.0%
20242024-06-30USD 117,572,00021.5%
20252025-06-30USD 132,938,00013.1%
Greene County Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-302.6%
Q12025-09-303.2%
Q22025-12-312.9%
Q32026-03-31-1.0%
Greene County Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30USD 1.64N/A
20232023-06-30USD 1.8110.0%
20242024-06-30USD 1.45-19.5%
20252025-06-30USD 1.8325.7%
Greene County Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-3017.0%
Q12025-09-30-5.5%
Q22025-12-3115.4%
Q32026-03-313.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$36.28M

+7.9%

Gross Profit

$23.43M

+23.4%

Gross Margin

64.60%

N/A

Market Cap

$555.03MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.73M

N/A

Employees

203

N/A

Net Income

$10.52M

+30.6%

EBITDA

$12.44M

+35.1%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$492.65M

+3.8%

Total Debt

$107.34M

+14.2%

Accounts Receivable

$20.07M

+8.9%

Inventory

$0.00

N/A

Long Term Debt

$34.14M

-34.4%

Short Term Debt

$73.20M

+74.3%

Return on Assets

1.23%

N/A

Return on Invested Capital

13.38%

N/A

Free Cash Flow

$10.66M

+46.9%

Operating Cash Flow

$10.67M

+46.1%

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Questions About GCBC

What is the current price of Greene County Bancorp?

Greene County Bancorp is trading at $32.70 per share.

What is the 52-week range for Greene County Bancorp?

Over the past 52 weeks, Greene County Bancorp has traded between $21.25 and $36.02.

How much debt does Greene County Bancorp have?

As of the most recent reporting period, Greene County Bancorp reported total debt of $109.60M.

How much cash does Greene County Bancorp have on hand?

Greene County Bancorp does not have cash on hand data available.

What is Greene County Bancorp’s dividend yield?

Greene County Bancorp currently has a dividend yield of 1.23%.

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