Greene County Bancorp/$GCBC
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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
$600M
14.64
$2.41
0.39
$0.41
1.25%
Price and volume
Market cap
$600M
Beta
0.39
52-week high
$36.33
52-week low
$21.25
Average daily volume
36K
Dividend rate
$0.41
Financial strength
Dividend payout ratio (TTM)
9.87%
Profitability
Net profit margin (TTM)
45.30%
Operating margin (TTM)
54.35%
Effective tax rate (TTM)
12.41%
Revenue per employee (TTM)
$420,000
Management effectiveness
Return on assets (TTM)
1.32%
Return on equity (TTM)
15.88%
Valuation
Price to earnings (TTM)
14.638
Price to revenue (TTM)
6.632
Price to book
2.16
Price to tangible book (TTM)
2.16
Price to free cash flow (TTM)
14.449
Free cash flow yield (TTM)
6.92%
Free cash flow per share (TTM)
2.441
Dividend yield (TTM)
1.16%
Forward dividend yield
1.25%
Growth
Revenue change (TTM)
23.32%
Earnings per share change (TTM)
31.75%
3-year revenue growth (CAGR)
6.75%
3-year earnings per share growth (CAGR)
10.05%
10-year earnings per share growth (CAGR)
16.35%
3-year dividend per share growth (CAGR)
12.24%
10-year dividend per share growth (CAGR)
8.21%
Bulls say / Bears say
Record fiscal 2026 net income of $41.0 million, up 31.7% year-over-year, and quarterly earnings of $11.3 million reflect robust growth and profitability (SEC 8-K).
Board-approved dividend increase to $0.11 per share, representing a 10% annualized raise to $0.44, underscores a strong capital position and commitment to shareholder returns (SEC 8-K).
Adoption and initial execution of a 400,000-share repurchase program, with 1,343 shares repurchased at an average price of $23.50, demonstrates management’s confidence in valuation and future growth prospects (SEC 8-K).
Operations concentrated in the Hudson Valley and Capital Region limit geographic diversification and heighten susceptibility to localized economic downturns (Investor Relations).
Noninterest income declined 3.7% year-over-year to $14.7 million in fiscal 2026, increasing reliance on net interest income and exposing revenue to interest rate volatility (SEC 8-K).
Noninterest expenses rose 11.0% year-over-year to $43.7 million, driven by higher salaries, benefits and pension plan termination charges, potentially pressuring efficiency ratios (SEC 8-K).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2026.
Upcoming events
No upcoming events
Funds containing GCBC
Fund name | Fund size | $GCBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.00% |
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