Greene County Bancorp Inc (GCBC)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$34.25

+0.09 (+0.26%)

Market Cap: $581.59M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 23, 2026Reported Jul 23	$0.67	N/A	-	N/A	Beat	-	-	+22.2%
Mar 31, 2026Mar 26 Reported Apr 22, 2026Reported Apr 22	$0.62	N/A	-	N/A	Beat	-	-	+30.7%
Dec 31, 2025Dec 25 Reported Jan 21, 2026Reported Jan 21	$0.60	N/A	-	N/A	Beat	-	-	+37.4%
Sep 30, 2025Sep 25 Reported Oct 21, 2025Reported Oct 21	$0.52	N/A	-	N/A	Beat	-	-	+41.7%
Jun 30, 2025Jun 25 Reported Sep 5, 2025Reported Sep 5	$0.55	N/A	-	N/A	Beat	-	-	+38.6%
Mar 31, 2025Mar 25 Reported Apr 22, 2025Reported Apr 22	$0.47	N/A	-	N/A	Beat	-	-	+37.4%
Dec 31, 2024Dec 24 Reported Jan 22, 2025Reported Jan 22	$0.44	N/A	-	N/A	Beat	-	-	+31.2%
Sep 30, 2024Sep 24 Reported Oct 22, 2024Reported Oct 22	$0.37	N/A	-	N/A	Beat	-	-	-3.2%
Jun 30, 2024Jun 24 Reported Sep 6, 2024Reported Sep 6	$0.40	N/A	-	N/A	Beat	-	-	+4.2%
Mar 31, 2024Mar 24 Reported Apr 23, 2024Reported Apr 23	$0.34	N/A	-	N/A	Beat	-	-	-28.3%
Dec 31, 2023Dec 23 Reported Jan 23, 2024Reported Jan 23	$0.34	N/A	-	N/A	Beat	-	-	-60.4%
Sep 30, 2023Sep 23 Reported Oct 24, 2023Reported Oct 24	$0.38	N/A	-	N/A	Beat	-	-	-64.2%
Jun 30, 2023Jun 23 Reported Sep 8, 2023Reported Sep 8	$0.38	N/A	-	N/A	Beat	-	-	-52.6%
Mar 31, 2023Mar 23 Reported Apr 20, 2023Reported Apr 20	$0.48	N/A	-	N/A	Beat	-	-	-42.9%
Dec 31, 2022Dec 22 Reported Jan 20, 2023Reported Jan 20	$0.85	N/A	-	N/A	Beat	-	-	+4.4%
Sep 30, 2022Sep 22 Reported Oct 21, 2022Reported Oct 21	$1.06	N/A	-	N/A	Beat	-	-	+26.2%
Jun 30, 2022Jun 22 Reported Sep 9, 2022Reported Sep 9	$0.80	N/A	-	N/A	Beat	-	-	-10.1%
Mar 31, 2022Mar 22 Reported Apr 21, 2022Reported Apr 21	$0.84	N/A	-	N/A	Beat	-	-	+35.5%
Dec 31, 2021Dec 21 Reported Jan 24, 2022Reported Jan 24	$0.81	N/A	-	N/A	Beat	-	-	+11.0%
Sep 30, 2021Sep 21 Reported Oct 22, 2021Reported Oct 22	$0.84	N/A	-	N/A	Beat	-	-	+47.4%
Jun 30, 2021Jun 21 Reported Sep 13, 2021Reported Sep 13	$0.89	N/A	-	N/A	Beat	-	-	+61.8%
Mar 31, 2021Mar 21 Reported Apr 23, 2021Reported Apr 23	$0.62	N/A	-	N/A	Beat	-	-	+31.9%
Dec 31, 2020Dec 20 Reported Jan 22, 2021Reported Jan 22	$0.73	N/A	-	N/A	Beat	-	-	+21.7%
Sep 30, 2020Sep 20 Reported Oct 23, 2020Reported Oct 23	$0.57	N/A	-	N/A	Beat	-	-	+0.0%
Jun 30, 2020Jun 20 Reported Sep 11, 2020Reported Sep 11	$0.55	N/A	-	N/A	Beat	-	-	+1.9%
Mar 31, 2020Mar 20 Reported Apr 24, 2020Reported Apr 24	$0.47	N/A	-	N/A	Beat	-	-	-7.8%
Dec 31, 2019Dec 19 Reported Jan 24, 2020Reported Jan 24	$0.60	N/A	-	N/A	Beat	-	-	+17.6%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$0.57	N/A	-	N/A	Beat	-	-	+11.8%
Jun 30, 2019Jun 19 Reported Sep 12, 2019Reported Sep 12	$0.54	N/A	-	N/A	Beat	-	-	+28.6%
Mar 31, 2019Mar 19 Reported Apr 24, 2019Reported Apr 24	$0.51	N/A	-	N/A	Beat	-	-	+18.6%
Dec 31, 2018Dec 18 Reported Jan 23, 2019Reported Jan 23	$0.51	$0.00	-	N/A	Beat	-	-	+27.5%
Sep 30, 2018Sep 18 Reported Oct 24, 2018Reported Oct 24	$0.51	N/A	-	N/A	Beat	-	-	+24.4%
Jun 30, 2018Jun 18 Reported Sep 12, 2018Reported Sep 12	$0.42	N/A	-	N/A	Beat	-	-	+23.5%
Mar 31, 2018Mar 18 Reported Apr 24, 2018Reported Apr 24	$0.43	N/A	-	N/A	Beat	-	-	+26.5%
Dec 31, 2017Dec 17 Reported Jan 24, 2018Reported Jan 24	$0.40	N/A	-	N/A	Beat	-	-	+17.6%
Sep 30, 2017Sep 17 Reported Oct 25, 2017Reported Oct 25	$0.41	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Sep 28, 2017Reported Sep 28	$0.34	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 21, 2017Reported Apr 21	$0.34	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 24, 2017Reported Jan 24	$0.34	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.28%

Forward Annual Dividend$0.44

Payout Ratio17.02%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Growth

3Y CAGR+12.07%

5Y CAGR+10.56%

GCBC dividend history and ex-dividend dates Run GCBC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	14.19	EV/EBITDA	15.75x
Price/FCF	14.03x	FCF Yield	7.13%
Profitability
Profit Margin	45.30%	Operating Margin	57.20%
ROE	15.90%	ROIC	9.47%
Financial Health
Debt/Equity	0.56x	Interest Coverage	0.88x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.47	Avg Volume	39.52K
52-Week High	$36.33	52-Week Low	$21.19

Technical Indicators Dashboard

Moving Averages

SMA 10$34.21

SMA 20$34.37

SMA 50$34.69

SMA 200$27.86

EMA 10$34.22

EMA 20$34.36

EMA 50$34.08

EMA 200$29.53

MACD

Line: -0.15Signal: -0.14Hist: -0.01

ADX

ADX: 14.1+DI: 16.0-DI: 19.1

Aroon & PSAR

Aroon Up16.0

Aroon Down56.0

PSAR$33.24

Bollinger Bands

Upper Band$35.44

Lower Band$33.29

%B Position625%(Upper)

Band Width0.45

RSI (14-Day)

Neutral

48.1

Momentum Oscillators

Stoch %K65.8

Stoch %D57.3

Williams %R-30.4

ROC (10d)1.0%

Momentum0.35

CCI (20d)-7.2

MFI (14d)62.1

Volatility Measures

ATR (14d)$0.73(2.1%)

StdDev (20d)0.54

Hist Vol16.4%(Low)

Volume Flow

VWAP$34.34

OBV699.2K

AD Line-2.2M

CMF (20d)0.027

Volume Metrics

Avg Vol (20d)34.3K

Vol Ratio0.4x(Low)

VWMA (20d)$34.68

Pivot Points

R3$34.98

R2$34.76

R1$34.46

Pivot Point$34.24

S1$33.94

S2$33.72

S3$33.42

Advanced Oscillators

TSI-6.63

Ultimate Osc47.3

KST-23.60

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$24.98M	$23.89M	$22.21M	$21.51M	$20.47M	$20.07M	$17.94M	$16.87M	$16.58M	$15.71M	$15.87M	$16.74M
Cost of Revenue	N/A	$12.84M	$14.64M	$15.36M	$13.15M	$14.65M	$15.83M	$15.27M	$14.32M	$14.07M	$13.38M	$11.69M
Gross Profit	N/A	$23.43M	$22.02M	$20.25M	$21.35M	$18.98M	$17.46M	$16.24M	$16.73M	$15.42M	$15.70M	$16.28M

Operating Expenses	$11.92M	$11.28M	$10.46M	$10.06M	$10.39M	$10.04M	$9.39M	$9.55M	$9.90M	$9.23M	$9.33M	$8.85M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$12.16M	$11.56M	$10.19M	$10.96M	$8.94M	$8.08M	$6.69M	$6.83M	$6.18M	$6.37M	$7.44M

Interest Income	$33.43M	$32.58M	$33.50M	$31.62M	$30.74M	$29.78M	$29.42M	$27.77M	$27.33M	$26.07M	$25.59M	$24.67M
Interest Expense	$12.28M	$12.39M	$14.44M	$14.10M	$14.03M	$13.57M	$15.35M	$14.63M	$14.47M	$13.78M	$13.21M	$11.23M
Income Before Tax	$12.93M	$12.16M	$11.56M	$10.19M	$10.96M	$8.94M	$8.08M	$6.69M	$6.83M	$6.18M	$6.37M	$7.44M
Income Tax Expense	$1.59M	$1.64M	$1.26M	$1.32M	$1.62M	$887,000	$589,000	$428,000	$98,000	$322,000	$663,000	$967,000

Net Income	$11.34M	$10.52M	$10.29M	$8.87M	$9.33M	$8.05M	$7.49M	$6.26M	$6.73M	$5.86M	$5.71M	$6.47M

EBITDA	$12.58M	$11.93M	$11.10M	$10.49M	$11.35M	$9.41M	$8.46M	$6.79M	$6.94M	$6.51M	$7.02M	$8.15M
EBIT	$12.93M	$12.16M	$11.56M	$10.19M	$10.96M	$8.94M	$8.08M	$6.69M	$6.83M	$6.18M	$6.37M	$7.44M

* Some calculated fields are derived from available data when not provided by source

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News

Greene County Bancorp name vote: what it means for Greene County Bancorp stock

Greene County Bancorp shareholders are set to vote on a proposal to change the company's name to Greene Bancorp at the annual meeting on November 7, 2026. This is a branding decision and will not affect operations...

ad-hoc-news.de•Oct 15, 2026 11:41 PM ET10/15/26•Somewhat-Bullish

Greene County Bancorp, Inc. (NASDAQ:GCBC) Sees Significant Decrease in Short Interest

Greene County Bancorp, Inc. (NASDAQ:GCBC) experienced a 46.5% decrease in short interest in September, totaling 102,327 shares...

MarketBeat•Oct 14, 2026 10:40 AM ET10/14/26•Bullish

Liquidity Mapping Around (GCBC) Price Events

This article analyzes Greene County Bancorp Inc. (NASDAQ: GCBC) using AI models, highlighting divergent sentiment across time horizons and a significant 33.6:1 risk-reward short setup. It details three trading...

Stock Traders Daily•Oct 11, 2026 10:41 PM ET10/11/26•Neutral

Greene County Bancorp stock reports record fiscal 2026 earnings

Greene County Bancorp (GCBC) reported record net income of $41.0 million for fiscal year 2026, a 31.7% increase from the previous year...

AD HOC NEWS•Oct 6, 2026 10:04 PM ET10/6/26•Neutral

Greene County Bancorp redeems debt and pays USD 0.11 per Greene County Bancorp stock

Greene County Bancorp (GCBC) redeemed USD 10.0 million of subordinated notes on September 15, 2026, using cash on hand...

AD HOC NEWS•Oct 5, 2026 2:05 AM ET10/5/26•Bullish

GCBC Valuation and Fair Value

P/E: 14.2x
Forward P/E: 13.7x
EV/EBITDA: 15.7x
P/FCF: 14.0x
PEG: 1.8x
P/B: 2.1x

See GNG's fair value

GCBC Profitability: Margins, ROIC and FCF

Operating margin: 57.2%
Net margin: 45.3%
ROIC: 9.5%
ROE: 15.9%
FCF margin: 44.9%
FCF yield: 7.1%

GCBC Competitors

Company	Ticker
First Business Financial Services	FBIZ
Velocity Financial Llc	VEL
Crawford & Company	CRD-A
Southern First Bancshares Inc	SFST
Brighthouse Financial, Inc.	BHFAN
Kearny Financial Corp	KRNY
PIMCO Access Income Fund	PAXS
Civista Bancshares Inc	CIVB

Sector: Financial Services

GCBC Bull Case vs Bear Case

Bull case

GCBC converts 44.9% of revenue into free cash flow.
GCBC has a 45.3% net profit margin.
GCBC grew quarterly revenue 19.8% year over year.

GCBC Dividend

Forward yield: 1.3%
Payout ratio: 17.0%
3Y DPS growth: 12.1%
5Y DPS growth: 10.6%
Pay months: Feb, May, Aug, Nov

GCBC dividend history

Frequently Asked Questions About GCBC

What is GCBC's current dividend yield?

Greene County Bancorp Inc (GCBC) has a forward dividend yield of 1.28%.

Does GCBC pay dividends?

Yes, Greene County Bancorp Inc pays dividends with a forward dividend yield of 1.28%.

What is GCBC's P/E ratio?

Greene County Bancorp Inc has a price-to-earnings (P/E) ratio of 14.19.

What is GCBC's market cap?

Greene County Bancorp Inc (GCBC) has a market capitalization of $581.59M with a current stock price of $34.25.

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