Greene County Bancorp, Inc. (GCBC) AI Stock Analysis

Greene County Bancorp, Inc. operates as the holding company for The Bank of Greene County, serving customers across the United States from its headquarters in Catskill, New York. Established in 1889, the bank offers deposit products including savings, NOW, money market, certificates of deposit, non-interest bearing checking, and individual retirement accounts. Its lending portfolio includes residential mortgages, construction and land loans, multifamily mortgage loans, commercial real estate mortgages, and consumer loans such as automobile and home equity loans. The bank has also begun exploring opportunities within the cryptocurrency landscape to incorporate digital asset capabilities.

Revenue grew from $75.6M in FY2022 to $145.8M in FY2026, achieving a 5-year compound annual growth rate of 16.5%. While revenue fell 2.9% in FY2023 to $73.4M, it rebounded 60.3% in FY2024 to $117.6M and reached $132.9M in FY2025. Operating margin rose from 22.8% in FY2024 to 26.1% in FY2025 and 32.1% in FY2026. Annual net income grew to $41.0M in FY2026 from $31.1M in FY2025, with EPS increasing to $2.41. In the latest quarter ended June 30, 2026, quarterly revenue grew 19.8% year-over-year while quarterly earnings expanded 21.5% year-over-year, supporting a trailing twelve months net profit margin of 45.3%.

As of June 30, 2026, Greene County Bancorp held $386.1M in cash and short-term investments against $155.1M in total debt, yielding net cash of $231.0M. Total assets stood at $3.18B and shareholders' equity was $277.8M, resulting in a debt-to-equity ratio of 0.56 and a current ratio of 0.25. In FY2026, the company generated $42.3M in operating cash flow. Cash deployment included $741,000 for capital expenditures, $4.0M for dividends paid, and $32,000 for share buybacks.

Greene County Bancorp trades at a trailing P/E of 14.3x and a forward P/E of 13.7x, both above the median of its US-listed Financial Services peers at 12.1x and 10.8x respectively. Its price-to-sales ratio is 6.5x compared to the peer median of 3.2x, while price-to-book sits at 2.2x. Over the past year, the stock gained 62.6%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year span, GCBC returned 119.1% compared to 83.0% for the S&P 500, with a low beta of 0.47.

Greene County Bancorp pays a quarterly dividend with an annualized forward payout of $0.44 per share, translating to a dividend yield of 1.28%. The bank has paid dividends for 27 consecutive years, supported by a payout ratio of 17.0%. Over the past 5 years, the dividend grew at an annualized rate of 10.6%, with the last ex-dividend date on August 14, 2026.

Analyst coverage metrics, price targets, and consensus buy or sell ratings are not available for Greene County Bancorp. The company's next scheduled earnings date is October 20, 2026. For the trailing twelve months ended June 30, 2026, the bank delivered EPS of $2.41, alongside a 21.5% year-over-year increase in quarterly earnings for its latest reported quarter.

This page is an AI-written research summary of Greene County Bancorp, Inc. (GCBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: GCBC income statement, GCBC balance sheet, GCBC key metrics, GCBC chart. See the GCBC stock overview for the latest quote and news.