Greene County Bancorp, Inc.
- Open
- 34.32
- Day high
- 34.53
- Day low
- 34.13
- Prev close
- 34.39
- Volume
- 211
- Mkt cap
- $583M
- P/E (TTM)
- 14.2
- EPS (TTM)
- $2.41
- P/B
- 2.1
- P/S
- 4.0
- Yield
- 1.20%
- Per share
- $0.41
- ▼Insiders net selling -$288K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions reducing (13F)
Greene County Bancorp, Inc. (GCBC) is a Financial Services company listed on NASDAQ. The stock is up 45% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
Greene County Bancorp, Inc. (GCBC) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
GCBC earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | $0.67 | — | $37M | — |
| Apr 22, 2026 | — | $0.62 | — | $36M | — |
| Jan 21, 2026 | — | $0.60 | — | $37M | — |
| Oct 21, 2025 | — | $0.52 | — | $36M | — |
| Jul 23, 2025 | — | $0.55 | — | $35M | — |
| Jan 22, 2025 | — | $0.44 | — | $18M | — |
| Oct 22, 2024 | — | $0.37 | — | $17M | — |
| Jul 23, 2024 | — | $0.40 | — | $17M | — |
| Jan 23, 2024 | — | $0.34 | — | $16M | — |
| Jul 24, 2023 | — | $0.38 | — | $17M | — |
| Apr 20, 2023 | — | $0.48 | — | $18M | — |
| Jan 20, 2023 | — | $0.43 | — | $19M | — |
GCBC insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 15, 2026 | PLUMMER MICHELLE Mdirector | Sell | 10,000 | $28.77 |
| Apr 28, 2026 | Brust Johndirector | Buy | 2,041 | $24.50 |
| Apr 28, 2026 | Brust Johndirector | Buy | 1,040 | $24.05 |
| Mar 5, 2026 | Barzee Nickofficer: SVP and CFO | Buy | 1,280 | $22.55 |
| Nov 24, 2025 | Hada Tejraj Sdirector | Buy | 1,000 | $21.95 |
| Nov 19, 2025 | Antalek Johnofficer: EVP and CLO | Buy | 1,500 | $22.00 |
| Nov 19, 2025 | Hada Tejraj Sdirector | Buy | 3,000 | $21.96 |
| Nov 17, 2025 | Hada Tejraj Sdirector | Buy | 366 | $22.00 |
| Nov 6, 2025 | Hada Tejraj Sdirector | Buy | 1,500 | $22.52 |
| Nov 6, 2025 | Hada Tejraj Sdirector | Buy | 45 | $22.20 |
| Nov 4, 2025 | Hada Tejraj Sdirector | Buy | 235 | $21.80 |
| Oct 30, 2025 | Gibson Donald Edirector, officer: President and CEO | Buy | 500 | $21.75 |
| Oct 30, 2025 | Cannucciari Christopherdirector | Buy | 423 | $22.79 |
| Oct 30, 2025 | Cannucciari Christopherdirector | Buy | 706 | $22.91 |
| Oct 24, 2025 | Cahalan Jay P.director | Buy | 27 | $22.60 |
Source: GCBC SEC Form 4 filings, latest Jun 15, 2026. For informational purposes only — not investment advice.
See the full GCBC insider & 13F page →Greene County Bancorp, Inc. company profile
Overview
Greene County Bancorp, Inc. (NASDAQ:GCBC) is a bank holding company founded in 1889 and headquartered in Catskill, New York. The company operates through its wholly-owned subsidiary, The Bank of Greene County, which provides traditional community banking services throughout the Hudson Valley region of New York. As a regional bank with over 130 years of history, Greene County Bancorp serves both individual consumers and local businesses through a network of 17 full-service banking offices. The company went public in 1999 and operates as a subsidiary of Greene County Bancorp, MHC, a mutual holding company structure common among community banks.
Business
Greene County Bancorp operates in the regional banking industry, which serves as a financial intermediary between depositors and borrowers within specific geographic markets. Regional banks like Greene County typically focus on relationship-based banking, serving local communities with personalized service that larger national banks often cannot provide. The company's core business revolves around two primary activities: deposit gathering and loan origination. On the deposit side, the bank offers various products including savings accounts, checking accounts (both interest-bearing NOW accounts and non-interest bearing), money market accounts, certificates of deposit, and individual retirement accounts. These deposits provide the funding base that banks use to make loans and generate interest income. The loan portfolio represents the bank's primary revenue-generating asset and consists of several segments. Real estate lending comprises the largest portion, including residential mortgages for home purchases and refinancing, construction and land development loans, multifamily property financing, and commercial real estate mortgages for business properties. Consumer lending includes automobile loans, personal loans, home equity loans and lines of credit, and various installment loans for recreational vehicles and home improvements. The bank also provides commercial loans to local businesses for working capital, equipment purchases, and expansion needs. The regional banking model relies heavily on net interest margin - the difference between what the bank pays depositors for their funds and what it charges borrowers for loans. This spread, combined with fee income from services like account maintenance, overdraft protection, and loan origination, generates the bank's revenue stream.
Revenue model
Greene County Bancorp generates revenue primarily through the traditional banking model of interest rate spread and fee-based services. The company earns interest income on its loan portfolio while paying interest expenses on customer deposits, with the net interest margin representing the core profitability driver. Based on recent financial data, the bank generates approximately $64-73 million in annual revenue, with net interest income comprising the vast majority of total revenue. The bank's customers include individual consumers seeking mortgages, auto loans, and deposit services, as well as local businesses requiring commercial real estate financing, working capital loans, and cash management services. The community banking model focuses on relationship-based lending, where loan decisions are made locally based on knowledge of the borrower and local market conditions. Several factors influence the bank's profitability margins. Interest rate environment significantly impacts net interest margin - rising rates generally benefit banks by allowing them to charge higher rates on new loans faster than deposit costs increase, while falling rates compress margins. Credit quality affects profitability through loan loss provisions, with economic downturns potentially requiring higher reserves for bad debts. Competition from other regional banks, credit unions, and online lenders can pressure both loan pricing and deposit rates. Regulatory compliance costs represent a fixed expense burden that can impact smaller regional banks disproportionately. Local economic conditions in the Hudson Valley region directly affect loan demand, credit quality, and deposit growth, making the bank's performance tied to regional economic health. The bank also generates fee income from services such as account maintenance fees, overdraft charges, loan origination fees, and other banking services, though this represents a smaller portion of total revenue compared to net interest income.
Competitive moat
Greene County Bancorp operates with a modest competitive moat typical of community banks, primarily derived from local market knowledge and customer relationships rather than significant structural advantages. The bank's main competitive strengths include deep understanding of the local Hudson Valley market, established relationships with customers and businesses built over 130+ years of operation, and the ability to make lending decisions locally rather than through distant corporate headquarters. However, the bank's moat is relatively narrow and vulnerable to several competitive pressures. Larger regional and national banks can offer more sophisticated products, better technology platforms, and more competitive pricing due to economies of scale. Online banks and fintech companies increasingly compete for deposits by offering higher interest rates without physical branch networks. Credit unions, which operate on a not-for-profit basis, can often provide more attractive rates to members. The geographic concentration in the Hudson Valley region, while providing local market expertise, also creates vulnerability to regional economic downturns and limits growth opportunities. Unlike banks with more diversified geographic footprints, Greene County's performance is closely tied to the economic health of a relatively small geographic area. The regulatory environment for community banks has become increasingly challenging, with compliance costs representing a higher percentage of revenue for smaller institutions compared to larger banks that can spread these costs across a broader revenue base. Additionally, the trend toward digital banking and reduced reliance on physical branches threatens the traditional community banking model that relies heavily on personal relationships and local presence. While Greene County maintains customer loyalty through personalized service and local decision-making, these advantages are gradually being eroded by technological advances and changing customer preferences, suggesting the bank's competitive position faces ongoing pressure.
Risks & safety
Greene County Bancorp demonstrates solid financial stability with strong liquidity and manageable debt levels, though valuation appears elevated relative to book value. 1. Liquidity and Solvency: The bank maintains substantial cash and short-term investments of $169 million as of Q2 2025, representing strong liquidity. Current ratio of 9.95 indicates excellent short-term liquidity management. No immediate solvency concerns given the regulated banking environment and deposit insurance protection. 2. Debt Structure: Debt-to-equity ratio of 1.15 is reasonable for a bank, where customer deposits represent the primary "debt" funding source. The banking model inherently involves leverage through deposit funding of loan portfolios. 3. Profitability Trends: Net income of $7.5 million in Q2 2025 shows consistent profitability. Return on equity of 3.4% is modest but stable for the current interest rate environment. 4. Valuation Metrics: Price-to-earnings ratio of 15.8 appears reasonable for a regional bank. However, price-to-book ratio of 2.16 suggests the stock trades at a premium to tangible book value, which may limit downside protection. Graham number of 11.27 indicates potential overvaluation relative to conservative value metrics. 5. Other Considerations: Strong free cash flow generation of $5.1 million quarterly. Asset quality appears stable with no significant deterioration indicated in recent periods. Regulatory capital requirements provide additional safety buffer typical of banking institutions.
Recent development
Based on available financial data, Greene County Bancorp has maintained a steady operational approach focused on traditional community banking fundamentals rather than dramatic strategic pivots. The bank has demonstrated consistent profitability with quarterly net income ranging from $5.9 million to $7.5 million over recent periods, indicating stable core banking operations. The company has maintained its asset quality through the recent economic environment, with no significant deterioration in loan loss provisions evident in the financial statements. Revenue has shown modest growth from approximately $64 million in fiscal 2024 to a run rate of over $67 million based on recent quarterly performance. Balance sheet management has been a key focus, with the bank maintaining substantial liquidity buffers. Cash and short-term investments increased significantly to $169 million in Q2 2025 from much lower levels in previous periods, suggesting either strategic liquidity management or challenges in loan demand that required parking excess funds in lower-yielding liquid assets. The bank has maintained its branch network of 17 full-service locations, indicating a commitment to the traditional community banking model rather than pursuing aggressive digital transformation or branch consolidation strategies common among larger regional banks. This suggests management believes the local relationship-based model remains viable in their market area. Capital management appears conservative, with the bank maintaining adequate regulatory capital ratios while generating consistent returns for shareholders. The mutual holding company structure provides additional stability and reduces pressure for aggressive growth strategies that might compromise asset quality.
GCBC company profile · for informational purposes only — not investment advice.
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