Greene County Bancorp/$GCBC
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Greene County Bancorp
Greene County Bancorp Inc is engaged in the ownership and operation of its subsidiaries. The company operates various full-service banking offices, lending centers, an operations center, customer call center, administration center, and a wealth management center located in the Hudson Valley and Capital District Regions of New York State. The Bank is engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans and investment securities. The Commercial Bank's primary business is to attract deposits from and provide banking services to local municipalities. It also serves local municipalities' banking needs and operates a real estate investment trust.
- Ticker
- $GCBC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 215
- Headquarters
- Catskill, United States
GCBC Metrics
BasicAdvanced
$615M
13.78
$2.62
0.47
$0.41
1.22%
Price and volume
Market cap
$615M
Beta
0.47
52-week high
$37.25
52-week low
$21.38
Average daily volume
25K
Dividend rate
$0.41
Financial strength
Profitability
Net profit margin (TTM)
46.74%
Operating margin (TTM)
55.96%
Effective tax rate (TTM)
12.57%
Revenue per employee (TTM)
$440,000
Management effectiveness
Return on assets (TTM)
1.42%
Return on equity (TTM)
16.72%
Valuation
Price to earnings (TTM)
13.775
Price to revenue (TTM)
6.439
Price to book
2.15
Price to tangible book (TTM)
2.15
Dividend yield (TTM)
1.13%
Forward dividend yield
1.22%
Growth
Revenue change (TTM)
23.36%
Earnings per share change (TTM)
32.47%
3-year revenue growth (CAGR)
10.25%
3-year earnings per share growth (CAGR)
16.54%
10-year earnings per share growth (CAGR)
16.90%
3-year dividend per share growth (CAGR)
11.87%
10-year dividend per share growth (CAGR)
8.40%
Bulls say / Bears say
The latest quarter delivered record net income of $12.5 million, up 40.9% year on year, while net interest margin widened 45 basis points to 2.93%. Earnings are benefiting from stronger asset yields and lower deposit costs. (GlobeNewswire)
Average loan balances rose $113.6 million year on year and the average loan yield increased 12 basis points, supporting growth in the core lending business. (GlobeNewswire)
Credit losses remain modest: in fiscal 2026, non-performing loans were 0.23% of net loans and net charge-offs were $338,000, with no loans classified as doubtful or loss. (Yahoo Finance)
Commercial real estate drove $92.3 million of the $124.2 million in net loan growth in fiscal 2026, while commercial and CRE loans classified as substandard or special mention reached $40.0 million, up from $39.4 million. Non-performing loans also rose to $3.9 million from $3.1 million, so the larger CRE book warrants close monitoring. (Yahoo Finance)
The latest margin improvement came alongside lower deposit costs, but the yield on interest-bearing cash and federal funds fell 125 basis points year on year. If funding costs stop declining before loan and securities yields provide further support, margin growth could fade. (GlobeNewswire)
The municipal-focused Commercial Bank held $1.2 billion of deposits against $2.7 billion in consolidated deposits at June 2026. The company also flags intense competition for municipal deposits, creating exposure to pricing pressure or withdrawals in a major funding source. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
GCBC Financial Performance
Revenues and expenses
Upcoming events
Funds containing GCBC
Fund name | Fund size | $GCBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.00% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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