Symbols / GCBC Stock $30.17 +3.50% Greene County Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
GCBC (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Donald E. Gibson
Exch · Country NCM · United States
Market Cap 513.66M
Enterprise Value 479.34M
Income 39.02M
Sales 86.44M
FCF (ttm) —
Book/sh 15.72
Cash/sh 8.49
Employees 190
Insider 10d —
IPO Jun 30, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 17.03%
P/E 13.17
Forward P/E —
PEG 1.83
P/S 5.94
P/B 1.92
P/C —
EV/EBITDA —
EV/Sales 5.54
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.29
EPS next Y —
EPS Growth 31.50%
Revenue Growth 23.40%
EPS Gr Q/Q 30.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) —
ROA 1.26%
ROE 15.71%
ROIC —
Gross Margin 0.00%
Oper. Margin 53.48%
Profit Margin 45.14%
Shs Outstand 17.03M
Shs Float 6.91M
Insider Own 59.36%
Instit Own 13.93%
Short Float 0.87%
Short Ratio 5.10
Short Interest 52.95K
52W High 30.71
vs 52W High -1.76%
52W Low 21.25
vs 52W Low 41.98%
Beta 0.44
Impl. Vol. —
Rel Volume 2.41
Avg Volume 14.88K
Volume 35.87K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $29.15
Price $30.17
Change 3.50%
About

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$30.17
Latest analyst target
3. DCF / Fair value
$34.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$30.17
Low
—
High
—
Mean
—
News
RSS: Latest GCBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-28 BRUST JOHN Director — 4,121 $24.05 $100,039
2026-03-18 HOGAN PETER W. CPA Director — 3,000 $22.10 $66,300
2026-03-18 HADA TEJRAJ S Director — 6,000 $21.95 $131,780
2026-03-05 BARZEE NICK Chief Financial Officer — 1,280 $22.55 $28,864
2026-03-02 CANNUCCIARI CHRISTOPHER Director — 1,300 $22.05 $28,665
2025-11-19 HADA TEJRAJ S Director — 1,268 $17.70 $23,583
2025-11-18 HADA TEJRAJ S Director — 3,000 $21.96 $65,880
2025-11-18 ANTALEK JOHN Officer — 1,500 $22.00 $33,000
2025-11-14 HADA TEJRAJ S Director — 366 $22.00 $8,052
2025-11-05 HADA TEJRAJ S Director — 1,545 $22.20 $34,779
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Revenue
75.35
+16.13%
64.89
-11.55%
73.36
+4.59%
70.14
Operating Revenue
75.35
+16.13%
64.89
-11.55%
73.36
+4.59%
70.14
Selling General And Administration
26.27
+2.75%
25.57
+2.28%
25.00
+13.72%
21.98
Selling And Marketing Expense
0.49
+9.21%
0.45
-10.64%
0.50
+1.43%
0.49
General And Administrative Expense
25.79
+2.64%
25.12
+2.54%
24.50
+14.00%
21.49
Salaries And Wages
24.41
+2.43%
23.84
+1.78%
23.42
+13.31%
20.67
Other Gand A
4.56
+15.11%
3.96
-12.36%
4.52
+9.76%
4.12
Reconciled Depreciation
1.06
+14.76%
0.93
+6.54%
0.87
+5.45%
0.83
Net Income
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Pretax Income
34.67
+29.26%
26.82
-25.14%
35.83
+8.88%
32.91
Net Interest Income
60.12
+17.93%
50.98
-16.73%
61.22
+5.54%
58.01
Interest Expense
57.58
+9.30%
52.69
+125.08%
23.41
+330.35%
5.44
Interest Income
117.70
+13.54%
103.66
+22.50%
84.62
+33.39%
63.44
Gain On Sale Of Security
-0.67
0.00
+100.00%
-0.25
0.00
Tax Provision
3.53
+72.10%
2.05
-59.34%
5.04
+2.50%
4.92
Tax Rate For Calcs
0.00
+33.14%
0.00
-45.67%
0.00
-5.89%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Net Income From Continuing Operation Net Minority Interest
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Net Income From Continuing And Discontinued Operation
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Net Income Continuous Operations
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Normalized Income
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Net Income Common Stockholders
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Diluted EPS
—
1.45
-19.89%
1.81
+10.03%
1.65
Basic EPS
—
1.45
-19.89%
1.81
+10.03%
1.65
Basic Average Shares
—
17.03
+0.00%
17.03
+0.00%
17.03
Diluted Average Shares
—
17.03
+0.00%
17.03
+0.00%
17.03
Diluted NI Availto Com Stockholders
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Insurance And Claims
1.37
+6.52%
1.29
+18.80%
1.08
+31.36%
0.83
Occupancy And Equipment
3.42
+8.37%
3.16
+4.09%
3.03
-2.54%
3.11
Other Non Interest Expense
8.32
+17.92%
7.06
-6.50%
7.55
+1.36%
7.45
Professional Expense And Contract Services Expense
1.35
-10.75%
1.52
-49.87%
3.02
+113.86%
1.41
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Assets
3,040.61
+7.60%
2,825.79
+4.73%
2,698.28
+4.92%
2,571.74
Cash And Cash Equivalents
184.50
-4.51%
193.23
-3.88%
201.02
+174.93%
73.12
Cash Financial
12.79
-7.98%
13.90
-9.20%
15.30
—
Other Short Term Investments
319.84
-8.62%
350.00
+24.50%
281.13
-31.11%
408.06
Receivables
16.38
+14.80%
14.27
+16.49%
12.25
+37.37%
8.92
Accounts Receivable
16.38
+14.80%
14.27
+16.49%
12.25
+37.37%
8.92
Prepaid Assets
—
—
17.48
+14.73%
15.24
Net PPE
15.23
-2.40%
15.61
+3.85%
15.03
+4.64%
14.36
Gross PPE
28.18
+2.51%
27.49
-4.73%
28.86
+5.63%
27.32
Accumulated Depreciation
-12.95
-8.96%
-11.89
+14.04%
-13.83
-6.72%
-12.96
Land And Improvements
2.92
+0.00%
2.92
+0.00%
2.92
+0.00%
2.92
Buildings And Improvements
20.25
-0.30%
20.31
+0.93%
20.13
+6.70%
18.86
Machinery Furniture Equipment
5.01
+17.62%
4.26
-26.68%
5.81
+4.95%
5.54
Investments And Advances
1,132.61
+8.83%
1,040.68
+3.26%
1,007.80
-13.88%
1,170.19
Total Liabilities Net Minority Interest
2,801.77
+6.95%
2,619.79
+4.17%
2,515.00
+4.18%
2,414.03
Payables And Accrued Expenses
—
—
28.34
-0.24%
28.41
Current Accrued Expenses
—
—
28.34
-0.24%
28.41
Current Debt And Capital Lease Obligation
74.00
-35.82%
115.30
0.00
-100.00%
123.70
Current Debt
74.00
-35.82%
115.30
0.00
-100.00%
123.70
Other Current Borrowings
74.00
-35.82%
115.30
0.00
-100.00%
123.70
Long Term Debt And Capital Lease Obligation
54.06
-35.52%
83.84
+69.38%
49.49
+0.38%
49.31
Long Term Debt
54.06
-35.52%
83.84
+69.38%
49.49
+0.38%
49.31
Stockholders Equity
238.84
+15.94%
206.00
+12.39%
183.28
+16.21%
157.71
Common Stock Equity
238.84
+15.94%
206.00
+12.39%
183.28
+16.21%
157.71
Capital Stock
1.72
+0.00%
1.72
+0.00%
1.72
+0.00%
1.72
Common Stock
1.72
+0.00%
1.72
+0.00%
1.72
+0.00%
1.72
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
17.22
+0.00%
17.22
+0.00%
17.22
+0.00%
17.22
Ordinary Shares Number
17.03
+0.00%
17.03
+0.00%
17.03
+0.00%
17.03
Treasury Shares Number
0.20
+0.00%
0.20
+0.00%
0.20
+0.00%
0.20
Additional Paid In Capital
10.16
+0.00%
10.16
+0.00%
10.16
+0.00%
10.16
Retained Earnings
241.40
+12.42%
214.74
+10.85%
193.72
+17.32%
165.13
Gains Losses Not Affecting Retained Earnings
-13.54
+31.32%
-19.71
+7.93%
-21.41
-16.46%
-18.38
Treasury Stock
0.91
+0.00%
0.91
+0.00%
0.91
+0.00%
0.91
Other Equity Adjustments
-13.54
+31.32%
-19.71
+7.93%
-21.41
-16.46%
-18.38
Total Equity Gross Minority Interest
238.84
+15.94%
206.00
+12.39%
183.28
+16.21%
157.71
Total Capitalization
292.89
+1.05%
289.84
+24.51%
232.78
+12.44%
207.02
Invested Capital
366.89
-9.44%
405.14
+74.04%
232.78
-29.62%
330.72
Total Debt
128.06
-35.69%
199.14
+302.34%
49.49
-71.39%
173.01
Net Debt
—
5.91
—
99.89
Net Tangible Assets
238.84
+15.94%
206.00
+12.39%
183.28
+16.21%
157.71
Tangible Book Value
238.84
+15.94%
206.00
+12.39%
183.28
+16.21%
157.71
Available For Sale Securities
36.62
+11065.55%
0.33
+7.19%
0.31
+12.09%
0.27
Cash Cash Equivalents And Federal Funds Sold
184.50
-4.51%
193.23
-3.88%
201.02
+174.93%
73.12
Held To Maturity Securities
776.15
+12.43%
690.35
-4.96%
726.36
-4.66%
761.85
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow
27.98
+12.33%
24.91
-11.39%
28.11
-20.49%
35.35
Cash Flow From Continuing Operating Activities
27.98
+12.33%
24.91
-11.39%
28.11
-20.49%
35.35
Net Income From Continuing Operations
31.14
+25.71%
24.77
-19.54%
30.79
+10.00%
27.99
Depreciation Amortization Depletion
1.06
+14.76%
0.93
+6.54%
0.87
+5.45%
0.83
Depreciation
1.06
+14.76%
0.93
+6.54%
0.87
+5.45%
0.83
Depreciation And Amortization
1.06
+14.76%
0.93
+6.54%
0.87
+5.45%
0.83
Other Non Cash Items
-2.36
-14.68%
-2.06
-77.63%
-1.16
-1.31%
-1.14
Deferred Tax
-0.71
-854.05%
-0.07
+50.34%
-0.15
+78.15%
-0.68
Deferred Income Tax
-0.71
-854.05%
-0.07
+50.34%
-0.15
+78.15%
-0.68
Operating Gains Losses
0.59
+2786.36%
-0.02
-110.09%
0.22
+541.18%
0.03
Gain Loss On Investment Securities
0.59
+2786.36%
-0.02
-110.09%
0.22
+541.18%
0.03
Change In Working Capital
-3.15
-3360.44%
-0.09
+97.76%
-4.06
-181.46%
4.99
Change In Receivables
-2.11
-4.55%
-2.02
+39.38%
-3.33
-193.31%
-1.14
Changes In Account Receivables
-2.11
-4.55%
-2.02
+39.38%
-3.33
-193.31%
-1.14
Change In Prepaid Assets
-4.08
-847.67%
-0.43
-423.31%
0.13
-24.43%
0.18
Change In Payables And Accrued Expense
3.04
+28.78%
2.36
+372.72%
-0.86
-114.54%
5.95
Change In Accrued Expense
2.60
+27.84%
2.04
+695.70%
0.26
-95.70%
5.95
Change In Payable
0.43
+34.78%
0.32
+128.72%
-1.12
-112000.00%
-0.00
Investing Cash Flow
-210.17
-62.62%
-129.24
-19651.44%
0.66
+100.14%
-471.18
Cash Flow From Continuing Investing Activities
-210.17
-62.62%
-129.24
-19651.44%
0.66
+100.14%
-471.18
Net PPE Purchase And Sale
-0.69
+54.12%
-1.51
+2.02%
-1.54
-46.24%
-1.05
Purchase Of PPE
-0.69
+54.12%
-1.51
+2.02%
-1.54
-46.24%
-1.05
Capital Expenditure
-0.69
+54.12%
-1.51
+2.02%
-1.54
-46.24%
-1.05
Net Investment Purchase And Sale
-84.00
-164.31%
-31.78
-120.46%
155.31
+150.18%
-309.51
Purchase Of Investment
-444.16
-34.76%
-329.59
-55.49%
-211.96
+68.33%
-669.21
Sale Of Investment
360.16
+20.94%
297.80
-18.92%
367.27
+2.11%
359.70
Net Other Investing Changes
1.79
+134.09%
-5.26
-198.74%
5.32
+130.18%
-17.64
Financing Cash Flow
174.87
+77.94%
98.28
-0.39%
98.67
-72.21%
355.06
Cash Flow From Continuing Financing Activities
174.87
+77.94%
98.28
-0.39%
98.67
-72.21%
355.06
Net Issuance Payments Of Debt
-71.27
-147.68%
149.46
+220.82%
-123.70
-182.36%
150.20
Issuance Of Debt
4.19
-87.74%
34.16
0.00
-100.00%
153.20
Repayment Of Debt
-34.16
0.00
+100.00%
-123.70
-4023.33%
-3.00
Long Term Debt Issuance
4.19
-87.74%
34.16
0.00
-100.00%
29.50
Long Term Debt Payments
-34.16
0.00
—
0.00
Net Long Term Debt Issuance
-29.97
-187.74%
34.16
0.00
-100.00%
29.50
Short Term Debt Issuance
—
—
—
123.70
Short Term Debt Payments
—
—
-123.70
-4023.33%
-3.00
Net Short Term Debt Issuance
-41.30
-135.82%
115.30
+193.21%
-123.70
-202.49%
120.70
Net Common Stock Issuance
—
—
—
—
Common Stock Payments
—
—
—
—
Common Stock Dividend Paid
-4.47
-38.12%
-3.24
-47.88%
-2.19
+16.82%
-2.63
Cash Dividends Paid
-4.47
-38.12%
-3.24
-47.88%
-2.19
+16.82%
-2.63
Repurchase Of Capital Stock
—
—
—
—
Changes In Cash
-7.32
-20.94%
-6.05
-104.75%
127.44
+257.78%
-80.77
Beginning Cash Position
190.40
-3.08%
196.44
+184.67%
69.01
-53.92%
149.78
End Cash Position
183.08
-3.84%
190.40
-3.08%
196.44
+184.67%
69.01
Free Cash Flow
27.29
+16.60%
23.40
-11.93%
26.57
-22.54%
34.30
Interest Paid Supplemental Data
57.86
+11.13%
52.07
+125.67%
23.07
+345.27%
5.18
Income Tax Paid Supplemental Data
1.17
-35.18%
1.80
-71.45%
6.31
+12.67%
5.60
Change In Income Tax Payable
0.43
+34.78%
0.32
+128.72%
-1.12
-112000.00%
-0.00
Change In Tax Payable
0.43
+34.78%
0.32
+128.72%
-1.12
-112000.00%
-0.00
Earnings Losses From Equity Investments
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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