Greene County Bancorp, Inc. (GCBC) Key Metrics
GCBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $587.0M
- Enterprise value
- $596.5M
- P/E (TTM)
- 14.3 10-yr median 14.2
- Forward P/E
- 13.7
- PEG ratio
- 1.83
- Price / sales
- 6.5 10-yr median 4.7
- Price / book
- 2.2 10-yr median 2.3
- EV / EBITDA
- — 10-yr median 6.3
- Dividend yield
- 1.28% $0.44 a year
- Beta
- 0.47
GCBC key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsGCBC valuation Price multiples at each fiscal year-end price.
GCBC returns How much profit the business earns on the capital it uses.
GCBC per-share figures Results divided by the shares outstanding at year-end.
GCBC financial health Debt, liquidity and how easily interest is covered.
GCBC efficiency & capital use Working capital cycle and where the cash goes.
GCBC valuation history
GCBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
GCBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
GCBC cash returned to shareholders
GCBC price vs earnings per share
GCBC key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $571.9M | $378.3M | $574.0M | $507.4M | $385.6M | $239.4M | $190.2M | $251.2M | $289.3M | $231.6M |
| Enterprise value | $340.9M | $2.1M | $229.9M | $74.7M | $77.4M | −$283.2M | −$55.5M | $117.6M | $157.8M | $151.2M |
| P/E ratio | 13.9 | 12.2 | 23.2 | 16.5 | 13.8 | 10.0 | 10.2 | 14.4 | 20.1 | 20.7 |
| Price / sales | 3.9 | 2.8 | 4.9 | 6.9 | 5.1 | 3.5 | 3.1 | 4.6 | 6.2 | 5.8 |
| Price / book | 2.1 | 1.6 | 2.8 | 2.8 | 2.4 | 1.6 | 1.5 | 2.2 | 3.0 | 2.8 |
| Price / free cash flow | 13.8 | 13.9 | 24.5 | 19.1 | 11.2 | 9.0 | 7.4 | 11.9 | 14.2 | 16.6 |
| Price / operating cash flow | 13.5 | 13.5 | 23.0 | 18.1 | 10.9 | 8.6 | 7.1 | 11.6 | 14.0 | 16.5 |
| EV / sales | 2.3 | 0.0 | 2.0 | 1.0 | 1.0 | -4.2 | -0.9 | 2.2 | 3.4 | 3.8 |
| EV / EBITDA | 7.1 | 0.1 | 8.3 | 2.0 | 2.3 | — | — | 5.4 | 8.2 | 9.7 |
| EV / free cash flow | 8.2 | 0.1 | 9.8 | 2.8 | 2.3 | — | — | 5.6 | 7.8 | 10.8 |
| Earnings yield | 7.2% | 8.2% | 4.3% | 6.1% | 7.3% | 10.0% | 9.8% | 7.0% | 5.0% | 4.8% |
| Free cash flow yield | 7.3% | 7.2% | 4.1% | 5.2% | 8.9% | 11.1% | 13.5% | 8.4% | 7.0% | 6.0% |
| Dividend yield | 0.7% | 1.2% | 0.6% | 0.4% | 0.7% | 1.0% | 1.2% | 0.8% | 0.5% | 0.8% |
| Shareholder yield (dividends + buybacks) | 0.7% | 1.2% | 0.6% | 0.4% | 0.7% | 1.0% | 1.5% | 0.8% | 0.5% | 0.8% |
| Share price at fiscal year-end | $33.59 | $22.22 | $33.71 | $29.80 | $22.64 | $14.06 | $11.15 | $14.71 | $16.95 | $13.60 |
| Per share | ||||||||||
| Revenue per share | $8.56 | $7.81 | $6.91 | $4.31 | $4.44 | $3.99 | $3.63 | $3.20 | $2.72 | $2.34 |
| Earnings per share | $2.41 | $1.83 | $1.45 | $1.81 | $1.64 | $1.41 | $1.10 | $1.02 | $0.84 | $0.66 |
| Operating cash flow per share | $2.48 | $1.64 | $1.46 | $1.65 | $2.08 | $1.63 | $1.57 | $1.27 | $1.21 | $0.83 |
| Free cash flow per share | $2.44 | $1.60 | $1.37 | $1.56 | $2.01 | $1.56 | $1.50 | $1.23 | $1.19 | $0.82 |
| Cash per share | $22.68 | $29.62 | $31.90 | $28.32 | $28.26 | $32.02 | $15.90 | $9.09 | $8.77 | $6.46 |
| Book value per share | $16.32 | $14.03 | $12.10 | $10.76 | $9.26 | $8.79 | $7.55 | $6.58 | $5.64 | $4.91 |
| Tangible book value per share | $16.32 | $14.03 | $12.10 | $10.76 | $9.26 | $8.79 | $7.55 | $6.58 | $5.64 | $4.91 |
| Dividends per share | $0.24 | $0.26 | $0.19 | $0.13 | $0.15 | $0.14 | $0.13 | $0.12 | $0.09 | $0.11 |
| Capex per share | $0.04 | $0.04 | $0.09 | $0.09 | $0.06 | $0.07 | $0.07 | $0.03 | $0.02 | $0.00 |
| Debt per share | $9.11 | $7.52 | $11.70 | $2.91 | $10.16 | $1.33 | $1.49 | $1.26 | $1.06 | $1.74 |
| Shares outstanding | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.1M | 17.1M | 17.1M | 17.0M |
| Change in shares outstanding | −0.0% | 0.0% | 0.0% | 0.0% | 0.0% | −0.2% | −0.1% | +0.0% | +0.3% | +0.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 15.9% | 14.0% | 12.7% | 18.1% | 18.2% | 17.2% | 15.5% | 16.8% | 16.0% | 14.2% |
| Return on invested capital (ROIC) | — | — | — | — | — | — | — | — | — | 396.8% |
| Return on assets (ROA) | 1.3% | 1.1% | 0.9% | 1.2% | 1.2% | 1.2% | 1.3% | 1.4% | 1.4% | 1.2% |
| Return on tangible assets | 1.3% | 1.0% | 0.9% | 1.1% | 1.1% | 1.1% | 1.1% | 1.4% | 1.3% | 1.1% |
| Free cash flow margin | 28.5% | 20.5% | 19.9% | 36.2% | 45.4% | 39.0% | 41.3% | 38.5% | 43.8% | 35.0% |
| Income quality (OCF / net income) | 1.03 | 0.90 | 1.01 | 0.91 | 1.26 | 1.16 | 1.43 | 1.24 | 1.43 | 1.26 |
| Financial health | ||||||||||
| Total debt | $155.1M | $128.1M | $199.1M | $49.5M | $173.0M | $22.6M | $25.5M | $21.6M | $18.1M | $29.6M |
| Cash & short-term investments | $386.1M | $504.3M | $543.2M | $482.2M | $481.2M | $545.2M | $271.2M | $155.1M | $149.7M | $109.9M |
| Net debt | −$231.0M | −$376.3M | −$344.1M | −$432.7M | −$308.2M | −$522.6M | −$245.8M | −$133.5M | −$131.5M | −$80.4M |
| Debt / equity | 0.56 | 0.54 | 0.97 | 0.27 | 1.10 | 0.15 | 0.20 | 0.19 | 0.19 | 0.35 |
| Debt / assets | 0.05 | 0.04 | 0.07 | 0.02 | 0.07 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 |
| Net debt / EBITDA | −4.82 | −10.53 | −12.40 | −11.79 | −9.14 | −18.41 | −10.94 | −6.16 | −6.87 | −5.16 |
| Current ratio | 0.25 | 0.19 | 0.22 | 0.21 | 0.21 | 0.28 | 0.18 | 0.14 | 0.15 | 0.13 |
| Quick ratio | 0.25 | 0.19 | 0.33 | 0.29 | 0.25 | 0.36 | 0.22 | 0.18 | −0.49 | −0.55 |
| Interest coverage | 0.9 | 0.6 | 0.5 | 1.5 | 6.0 | 5.3 | 2.6 | 3.3 | 4.6 | 4.9 |
| Working capital | −$89.5M | −$2.19B | −$1.95B | −$1.98B | −$1.86B | −$1.47B | −$1.26B | −$979.3M | −$879.8M | −$758.4M |
| Invested capital | $46.9M | −$137.5M | −$138.1M | −$249.4M | −$150.5M | −$373.0M | −$117.0M | −$21.2M | −$35.4M | $3.2M |
| Tangible asset value | $277.8M | $238.8M | $206.0M | $183.3M | $157.7M | $149.6M | $128.8M | $112.4M | $96.2M | $83.5M |
| Net current asset value | −$2.88B | −$2.28B | −$2.06B | −$2.00B | −$1.91B | −$1.49B | −$1.26B | −$992.9M | −$898.0M | −$781.0M |
| Graham number | $29.74 | $24.02 | $19.90 | $20.93 | $18.51 | $16.67 | $13.66 | $12.31 | $10.34 | $8.52 |
| Graham net-net per share | −$147.23 | −$134.21 | −$129.02 | −$125.12 | −$115.53 | −$92.84 | −$76.02 | −$59.54 | −$33.26 | −$28.57 |
| Capital allocation | ||||||||||
| Dividends paid | $4.0M | $4.5M | $3.2M | $2.2M | $2.6M | $2.4M | $2.2M | $2.0M | $1.5M | $1.9M |
| Share buybacks (net) | $32,000 | $0 | — | — | — | $0 | $631,000 | — | $0 | $0 |
| Dividend payout ratio | 9.9% | 14.4% | 13.1% | 7.1% | 9.4% | 10.1% | 12.0% | 11.7% | 10.6% | 17.2% |
| Dividends + buybacks / free cash flow | 9.8% | 16.4% | 13.8% | 8.2% | 7.7% | 9.2% | 11.2% | 9.7% | 7.5% | 13.7% |
| Capex / revenue | 0.5% | 0.5% | 1.3% | 2.1% | 1.4% | 1.8% | 1.8% | 1.1% | 0.7% | 0.2% |
| Capex / operating cash flow | 1.8% | 2.5% | 6.0% | 5.5% | 3.0% | 4.5% | 4.2% | 2.7% | 1.6% | 0.5% |
| Capex / depreciation | 0.65 | 0.65 | 1.62 | 1.76 | 1.27 | 1.62 | 1.57 | 0.92 | 0.51 | 0.12 |
| Stock-based compensation / revenue | — | — | 3.1% | 2.5% | 5.9% | 5.5% | 9.1% | 5.5% | 4.9% | 3.9% |
| SG&A / revenue | 19.7% | 23.2% | 25.1% | 39.6% | 34.5% | 35.9% | 34.7% | 35.6% | 36.5% | 37.7% |
| Efficiency | ||||||||||
| Days sales outstanding | 42.0 | 42.1 | 41.2 | 52.7 | 40.3 | 42.9 | 41.4 | 36.4 | 35.7 | 35.0 |
| Days of inventory on hand | — | — | -1,623.5 | -2,415.8 | -5,114.1 | -4,283.2 | -1,341.7 | 14,423.7 | 41,700.1 | 40,146.2 |
| Days payables outstanding | — | — | — | 463.7 | 42,574.0 | 69,878.6 | 22,337.3 | 614.5 | 710.6 | 27,147.5 |
| Cash conversion cycle (days) | — | — | — | -2,826.9 | -47,647.8 | -74,118.9 | -23,637.6 | 13,845.6 | 41,025.2 | 13,033.7 |
| Receivables turnover | 8.69 | 8.67 | 8.87 | 6.93 | 9.05 | 8.51 | 8.81 | 10.02 | 10.21 | 10.44 |
| Payables turnover | — | — | — | 0.79 | 0.01 | 0.01 | 0.02 | 0.59 | 0.51 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | — | 0.01 | 0.01 |
| Asset turnover | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 |
| Average receivables | $16.8M | $15.3M | $13.3M | $10.6M | $8.3M | $8.0M | $7.0M | $5.5M | $4.5M | $3.8M |
| Average payables | — | — | — | $28.4M | $1.02B | $1.75B | $758.0M | $13.4M | $10.8M | $371.0M |
| Average inventory | — | — | −$237.8M | −$147.8M | −$122.1M | −$107.5M | −$45.5M | $314.8M | $633.4M | $548.6M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from GCBC's annual financial statements (latest annual report filed September 9, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
GCBC valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), Greene County Bancorp traded at 13.9 times earnings, against a 10-year median of 14.2. Based on the latest twelve months, the trailing P/E is 14.3 and the forward P/E is 13.7. Greene County Bancorp earned a return on equity of 15.9% in fiscal 2026. It ended the year with $155.1 million of debt and $386.1 million in cash and short-term investments, a net cash position of $231.0 million. It returned $4.1 million to shareholders: $4.0 million in dividends and $0.0 million in share buybacks, 10% of free cash flow.
See the GCBC income statement, the GCBC chart for price history, or the GCBC stock overview for the latest quote and news.
GCBC key metrics FAQ
What is Greene County Bancorp's P/E ratio?
Greene County Bancorp's trailing P/E ratio is 14.3 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.7. At the end of fiscal 2026 it was 13.9, compared with a 10-year median of 14.2.
What is Greene County Bancorp's EV/EBITDA?
Greene County Bancorp's enterprise value was 7.1 times EBITDA at the end of fiscal 2026 (enterprise value $340.9 million, EBITDA $48.0 million).
What is Greene County Bancorp's return on equity?
Greene County Bancorp's return on equity (ROE) was 15.9% in fiscal 2026: net income of $41.0 million on average shareholders' equity of $258.3 million.
How much debt does Greene County Bancorp have?
Greene County Bancorp had total debt of $155.1 million at the end of fiscal 2026, a debt-to-equity ratio of 0.56 and more cash than debt.
What is Greene County Bancorp's dividend yield?
Greene County Bancorp's forward dividend yield is 1.28%. Greene County Bancorp paid $4.0 million in dividends in fiscal 2026 ($0.24 per share), a payout ratio of 9.9%.
Does Greene County Bancorp buy back its shares?
Yes. Greene County Bancorp spent $0.0 million on net share repurchases in fiscal 2026 Shares outstanding changed −0.0% over the year, to 17.0M..
What is Greene County Bancorp's free cash flow yield?
Greene County Bancorp generated $41.6 million of free cash flow in fiscal 2026, a free cash flow yield of 7.3% on its market value at year-end ($571.9 million).
What is Greene County Bancorp's current ratio?
Greene County Bancorp's current ratio was 0.25 at the end of fiscal 2026: current assets were 0.25 times current liabilities.