8-K Announcements
6Material company update
Jun 22, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Apr 22, 2026·SEC
Greene County Bancorp, Inc.(GCBC)Earnings, Financials & Key Ratios
GCBC•NASDAQ•Banking & Credit
$34.26
18.7× P/E·Price updated Jul 2, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutGreene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.Show more
- Net Interest Income$60M+17.9%
- Total Revenue$133M+13.1%
- Net Income$31M+25.7%
- Return on Equity14%+10.0%
- Net Interest Margin1.98%+9.6%
- Efficiency Ratio29.62%-6.7%
- ROA1.06%+18.4%
- Equity / Assets7.85%+7.7%
- Book Value per Share14.03+15.9%
GCBC Price & Volume
Greene County Bancorp, Inc. (GCBC) stock price & volume — 10-year historical chart
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Municipal Deposit Base Drives Stable Margin Growth
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:CRE concentration in Hudson Valley
Key Thesis Takeaways
- Greene County Bancorp exhibits a disciplined growth trajectory supported by a 24.5% year-over-year increase in net interest income as of 2026Q3, underpinned by a stable municipal deposit base.
- While the bank maintains a robust efficiency ratio of 31.1%, investors should monitor the significant concentration in commercial real estate and multi-family mortgages within the Hudson Valley.
- The firm's conservative capital management, reflected in an 8% equity-to-assets ratio, suggests a focus on long-term institutional stability over aggressive shareholder returns.
Verdict Logic
while the bank demonstrates a solid 31.1% efficiency ratio and consistent earnings growth, the significant concentration in commercial real estate warrants caution regarding potential future credit provisioning requirements.
GCBC Growth Metrics
Greene County Bancorp, Inc. (GCBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.53%
5 Years16.49%
3 Years20.71%
TTM-
Profit CAGR
10 Years15.79%
5 Years10.7%
3 Years3.62%
TTM36.72%
EPS CAGR
10 Years15.58%
5 Years10.72%
3 Years3.51%
TTM36.31%
Return on Capital
10 Years15.25%
5 Years14.78%
3 Years12.77%
Last Year10.7%
GCBC Recent Earnings
Greene County Bancorp, Inc. (GCBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.62
—
Rev
$36M
—
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.60
—
Rev
$37M
—
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.52
—
Rev
$36M
—
Q4 2025
Sep 5, 2025Metric
Actual
Est
EPS
$0.55
—
Rev
$35M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.62 | $36M |
| Q1 2026 | Jan 21, 2026 | $0.60 | $37M |
| Q4 2025 | Oct 21, 2025 | $0.52 | $36M |
| Q4 2025 | Sep 5, 2025 | $0.55 | $35M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Greene County Bancorp, Inc. (GCBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $34.26 | $583.29M | 18.72 | 13.07% | 23.42% | 14% | 0.77% | |
| $23.95 | $230.98M | 16.40 | -9.41% | 16.49% | 8% | — | |
| $28.32 | $391.78M | 8.71 | -1.55% | 28.51% | 12.62% | — | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $55.74 | $974.05M | 17.15 | 5.77% | 22.43% | 9.21% | — | |
| $40.07 | $788.83M | 11.10 | 43.07% | 20.88% | 12.72% | — |
Compare GCBC vs Peers
Greene County Bancorp, Inc. (GCBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GCBC SEC Filings & Documents
Greene County Bancorp, Inc. (GCBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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GCBC Frequently Asked Questions
Greene County Bancorp, Inc. (GCBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Greene County Bancorp, Inc. growing?
Greene County Bancorp, Inc. (GCBC) grew revenue by 13.1% over the past year. This is steady growth.
Is GCBC profitable?
Yes, Greene County Bancorp, Inc. (GCBC) is profitable, generating $39.0M in net income for fiscal year 2025 (23.4% net margin).
Dividend & Returns
Does GCBC pay dividends?
Yes, Greene County Bancorp, Inc. (GCBC) pays a dividend with a yield of 0.77%. This makes it attractive for income-focused investors.
What is GCBC's return on equity?
Greene County Bancorp, Inc. (GCBC) has a return on equity (ROE) of 14.0%. This is reasonable for most industries.
Industry Metrics
What is Greene County Bancorp, Inc.'s net interest margin?
Greene County Bancorp, Inc. (GCBC) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
What is Greene County Bancorp, Inc.'s efficiency ratio?
Greene County Bancorp, Inc. (GCBC) has an efficiency ratio of 29.6%. This is excellent, indicating strong cost control.