8-K Announcements
6Material company update
Apr 22, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Apr 15, 2026·SEC
Greene County Bancorp, Inc.(GCBC)Earnings, Financials & Key Ratios
GCBC•NASDAQ•Banking & Credit
$24.02
$409M mkt cap·13.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutGreene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.Show more
- Net Interest Income$60M+17.9%
- Total Revenue$133M+13.1%
- Net Income$31M+25.7%
- Return on Equity14%+10.0%
- Net Interest Margin1.98%+9.6%
- Efficiency Ratio29.62%-6.7%
- ROA1.06%+18.4%
- Equity / Assets7.85%+7.7%
- Book Value per Share14.03+15.9%
- Tangible BV/Share14.03+15.9%
- Debt/Equity0.54-44.5%
GCBC Key Insights
Greene County Bancorp, Inc. (GCBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 29.6% efficiency ratio
✗Weaknesses
- ✗Weak NIM of 2.0%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
GCBC Price & Volume
Greene County Bancorp, Inc. (GCBC) stock price & volume — 10-year historical chart
Loading chart...
GCBC Growth Metrics
Greene County Bancorp, Inc. (GCBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.53%
5 Years16.49%
3 Years20.71%
TTM-
Profit CAGR
10 Years15.79%
5 Years10.7%
3 Years3.62%
TTM38.74%
EPS CAGR
10 Years15.58%
5 Years10.72%
3 Years3.51%
TTM38.06%
Return on Capital
10 Years15.09%
5 Years14.45%
3 Years12.22%
Last Year10.7%
GCBC Recent Earnings
Greene County Bancorp, Inc. (GCBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026EPS
$0.62
Revenue
$36M
Q1 2026
Jan 21, 2026EPS
$0.60
Revenue
$37M
Q4 2025
Oct 21, 2025EPS
$0.52
Revenue
$36M
Q4 2025
Sep 5, 2025EPS
$0.55
Revenue
$35M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.62 | $36M |
| Q1 2026 | Jan 21, 2026 | $0.60 | $37M |
| Q4 2025 | Oct 21, 2025 | $0.52 | $36M |
| Q4 2025 | Sep 5, 2025 | $0.55 | $35M |
Based on last 12 quarters of dataView full earnings history →
GCBC Peer Comparison
Greene County Bancorp, Inc. (GCBC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 FISI | 695.86M | 35.35 | 9.79 | 43.07% | 12.26% | 0.53 | ||
 SRCE | 1.8B | 73.82 | 11.43 | 5.2% | 12.39% | 0.26 | ||
 CNOB | 1.52B | 30.16 | 20.38 | 13.44% | 5.49% | 0.74 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 |
Compare GCBC vs Peers
Greene County Bancorp, Inc. (GCBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GCBC Income Statement
Greene County Bancorp, Inc. (GCBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30.38M | 34.91M | 40M | 44.83M | 53.15M | 58.01M | 61.22M | 50.98M | 60.12M | 69.5M |
| NII Growth % | 15.87% | 14.92% | 14.57% | 12.08% | 18.54% | 9.14% | 5.54% | -16.73% | 17.93% | 130.64% |
| Net Interest Margin % | 3.09% | 3.03% | 3.15% | 2.67% | 2.42% | 2.26% | 2.27% | 1.8% | 1.98% | 2.21% |
| Interest Income | 33.46M | 38.93M | 46.31M | 53.31M | 58.33M | 63.44M | 84.63M | 103.66M | 117.7M | 125.64M |
| Interest Expense | 3.08M | 4.01M | 6.31M | 8.48M | 5.18M | 5.44M | 23.41M | 52.69M | 57.58M | 56.14M |
| Loan Loss Provision | 1.91M | 1.53M | 1.66M | 3.9M | 3.97M | 3.28M | -1.07M | 766K | 1.32M | 1.66M |
| Non-Interest Income | 6.42M | 7.48M | 8.36M | 8.65M | 9.67M | 12.14M | 12.15M | 13.91M | 15.23M | 14.76M |
| Non-Interest Income % | 16.11% | 16.12% | 15.29% | 13.96% | 14.22% | 16.06% | 12.55% | 11.83% | 11.46% | 10.51% |
| Total Revenue | 39.88M▲ 0% | 46.41M▲ 16.4% | 54.67M▲ 17.8% | 61.96M▲ 13.3% | 68M▲ 9.7% | 75.58M▲ 11.2% | 96.77M▲ 28.0% | 117.57M▲ 21.5% | 132.94M▲ 13.1% | 140.4M▲ 0% |
| Revenue Growth % | 14.72% | 16.36% | 17.8% | 13.34% | 9.73% | 11.16% | 28.04% | 21.5% | 13.07% | 48.33% |
| Non-Interest Expense | 19.97M | 22.36M | 25.68M | 27.82M | 31.22M | 33.96M | 38.61M | 37.3M | 39.37M | 40.96M |
| Efficiency Ratio | 50.06% | 48.18% | 46.97% | 44.9% | 45.92% | 44.93% | 39.9% | 31.73% | 29.62% | 29.17% |
| Operating Income | 14.93M▲ 0% | 18.5M▲ 23.9% | 21.03M▲ 13.6% | 21.76M▲ 3.5% | 27.61M▲ 26.9% | 32.91M▲ 19.2% | 35.83M▲ 8.9% | 26.82M▼ 25.1% | 34.67M▲ 29.3% | 41.64M▲ 0% |
| Operating Margin % | 37.43% | 39.87% | 38.46% | 35.11% | 40.61% | 43.54% | 37.02% | 22.81% | 26.08% | 29.66% |
| Operating Income Growth % | 28.23% | 23.95% | 13.64% | 3.47% | 26.93% | 19.16% | 8.88% | -25.14% | 29.26% | - |
| Pretax Income | 14.93M▲ 0% | 18.5M▲ 23.9% | 21.03M▲ 13.6% | 21.76M▲ 3.5% | 27.61M▲ 26.9% | 32.91M▲ 19.2% | 35.83M▲ 8.9% | 26.82M▼ 25.1% | 34.67M▲ 29.3% | 41.64M▲ 0% |
| Pretax Margin % | 37.43% | 39.87% | 38.46% | 35.11% | 40.61% | 43.54% | 37.02% | 22.81% | 26.08% | 29.66% |
| Income Tax | 3.74M | 4.09M | 3.54M | 3.03M | 3.67M | 4.92M | 5.04M | 2.05M | 3.53M | 5.09M |
| Effective Tax Rate % | 25.06% | 22.13% | 16.85% | 13.92% | 13.3% | 14.95% | 14.07% | 7.64% | 10.18% | 12.23% |
| Net Income | 11.19M▲ 0% | 14.41M▲ 28.8% | 17.48M▲ 21.3% | 18.73M▲ 7.1% | 23.94M▲ 27.8% | 27.99M▲ 16.9% | 30.79M▲ 10.0% | 24.77M▼ 19.5% | 31.14M▲ 25.7% | 36.55M▲ 0% |
| Net Margin % | 28.05% | 31.05% | 31.98% | 30.22% | 35.21% | 37.03% | 31.81% | 21.07% | 23.42% | 26.03% |
| Net Income Growth % | 24.81% | 28.79% | 21.35% | 7.11% | 27.85% | 16.89% | 10% | -19.54% | 25.71% | 38.74% |
| Net Income (Continuing) | 11.19M | 14.41M | 17.48M | 18.73M | 23.94M | 27.99M | 30.79M | 24.77M | 31.14M | 36.55M |
| EPS (Diluted) | 0.66▲ 0% | 0.85▲ 28.8% | 1.02▲ 20.0% | 1.10▲ 7.8% | 1.41▲ 28.2% | 1.65▲ 17.0% | 1.81▲ 9.7% | 1.45▼ 19.9% | 1.83▲ 26.2% | 2.15▲ 0% |
| EPS Growth % | 24.53% | 28.79% | 20% | 7.84% | 28.18% | 17.02% | 9.7% | -19.89% | 26.21% | 38.06% |
| EPS (Basic) | 0.66 | 0.85 | 1.02 | 1.10 | 1.41 | 1.65 | 1.81 | 1.45 | 1.83 | - |
| Diluted Shares Outstanding | 17.03M | 17.07M | 17.08M | 17.06M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |
GCBC Balance Sheet
Greene County Bancorp, Inc. (GCBC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 109.91M | 149.69M | 155.14M | 271.24M | 545.22M | 481.18M | 482.15M | 543.23M | 504.34M | 1.87B |
| Cash & Due from Banks | 18.42M | 28.89M | 32.41M | 44.53M | 154.33M | 73.12M | 201.02M | 193.23M | 184.5M | 8.8M |
| Short Term Investments | 91.48M | 120.81M | 122.73M | 226.71M | 390.89M | 408.06M | 281.13M | 350M | 319.84M | 411.59M |
| Total Investments | 939.5M | 1.1B | 1.21B | 1.6B | 1.97B | 2.4B | 2.4B | 2.52B | 2.74B | 2.89B |
| Investments Growth % | 13.49% | 17.08% | 10.27% | 32.25% | 23.06% | 21.55% | -0.17% | 5.24% | 8.69% | 35.21% |
| Long-Term Investments | 848.02M | 979.2M | 1.09B | 1.38B | 1.58B | 1.99B | 2.11B | 2.17B | 2.42B | 9.81B |
| Accounts Receivables | 4.03M | 5.06M | 5.85M | 8.21M | 7.78M | 8.92M | 12.25M | 14.27M | 16.38M | 1.68B |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 13.62M | 13.3M | 13.26M | 13.66M | 14.14M | 14.36M | 15.03M | 15.61M | 15.23M | 15.29M |
| Other Assets | 2.93M | 1.66M | 1.81M | 1.23M | 41.58M | 60.57M | 57.05M | 81.78M | 84.62M | -2.5B |
| Total Current Assets | 117.73M | 157.31M | 164.2M | 284.47M | 561.45M | 505.33M | 511.88M | 557.5M | 520.73M | 2.1B |
| Total Non-Current Assets | 864.56M | 994.17M | 1.11B | 1.39B | 1.64B | 2.07B | 2.19B | 2.27B | 2.52B | 15.29M |
| Total Assets | 982.29M▲ 0% | 1.15B▲ 17.2% | 1.27B▲ 10.2% | 1.68B▲ 32.1% | 2.2B▲ 31.2% | 2.57B▲ 16.9% | 2.7B▲ 4.9% | 2.83B▲ 4.7% | 3.04B▲ 7.6% | 3.15B▲ 0% |
| Asset Growth % | 13.07% | 17.22% | 10.25% | 32.09% | 31.22% | 16.88% | 4.92% | 4.73% | 7.6% | 24.86% |
| Return on Assets (ROA) | 1.21% | 1.35% | 1.44% | 1.27% | 1.23% | 1.17% | 1.17% | 0.9% | 1.06% | 1.19% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 28.41M | 28.34M | 0 | 0 | 0 |
| Total Debt | 29.55M | 18.15M | 21.6M | 25.48M | 22.64M | 173.01M | 49.49M | 199.14M | 128.06M | 214.12M |
| Net Debt | 11.13M | -10.74M | -10.81M | -19.05M | -131.68M | 99.89M | -151.53M | 5.91M | -56.45M | 205.32M |
| Long-Term Debt | 22.65M | 18.15M | 13.6M | 7.6M | 19.64M | 49.31M | 49.49M | 83.84M | 54.06M | 34.12M |
| Short-Term Debt | 6.9M | 0 | 8M | 17.88M | 3M | 123.7M | 455K | 115.3M | 74M | 180M |
| Other Liabilities | 0 | 0 | 0 | 0 | 2.03B | 0 | 2.47B | 31.43M | 33.88M | 2.67B |
| Total Current Liabilities | 876.12M | 1.04B | 1.14B | 1.54B | 2.03B | 2.36B | 2.47B | 2.5B | 2.71B | 180M |
| Total Non-Current Liabilities | 22.65M | 18.15M | 13.6M | 7.6M | 2.05B | 49.31M | 2.52B | 115.27M | 87.94M | 2.71B |
| Total Liabilities | 898.77M | 1.06B | 1.16B | 1.55B | 2.05B | 2.41B | 2.52B | 2.62B | 2.8B | 2.89B |
| Total Equity | 83.52M▲ 0% | 96.19M▲ 15.2% | 112.37M▲ 16.8% | 128.81M▲ 14.6% | 149.58M▲ 16.1% | 157.71M▲ 5.4% | 183.28M▲ 16.2% | 206M▲ 12.4% | 238.84M▲ 15.9% | 258.27M▲ 0% |
| Equity Growth % | 12.41% | 15.17% | 16.82% | 14.63% | 16.13% | 5.44% | 16.21% | 12.39% | 15.94% | 63.9% |
| Equity / Assets (Capital Ratio) | 8.5% | 8.35% | 8.85% | 7.68% | 6.8% | 6.13% | 6.79% | 7.29% | 7.85% | 8.21% |
| Return on Equity (ROE) | 14.18% | 16.03% | 16.77% | 15.53% | 17.2% | 18.21% | 18.06% | 12.73% | 14% | 15% |
| Book Value per Share | 4.91 | 5.64 | 6.58 | 7.55 | 8.79 | 9.26 | 10.76 | 12.10 | 14.03 | 15.17 |
| Tangible BV per Share | 4.91 | 5.64 | 6.58 | 7.55 | 8.79 | 9.26 | 10.76 | 12.10 | 14.03 | 15.17 |
| Common Stock | 861K | 861K | 861K | 861K | 861K | 1.72M | 1.72M | 1.72M | 1.72M | 1.72M |
| Additional Paid-in Capital | 10.99M | 11.02M | 11.02M | 11.02M | 11.02M | 10.16M | 10.16M | 10.16M | 10.16M | 10.16M |
| Retained Earnings | 73.07M | 86.21M | 101.77M | 118.26M | 139.78M | 165.13M | 193.72M | 214.74M | 241.4M | 259M |
| Accumulated OCI | -992K | -1.62M | -1.01M | -428K | -1.16M | -18.38M | -21.41M | -19.71M | -13.54M | -11.7M |
| Treasury Stock | -410K | -277K | -277K | -908K | -908K | -908K | -908K | -908K | -908K | -908K |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
GCBC Cash Flow Statement
Greene County Bancorp, Inc. (GCBC) cash flow — operating, investing & free cash flow history
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 14.05M | 20.67M | 21.63M | 26.72M | 27.75M | 35.35M | 28.11M | 24.91M | 27.98M | 27.98M |
| Operating CF Growth % | 3.44% | 47.15% | 4.61% | 23.57% | 3.85% | 27.39% | -20.49% | -11.39% | 12.33% | 294.54% |
| Net Income | 11.19M | 14.41M | 17.48M | 18.73M | 23.94M | 27.99M | 30.79M | 24.77M | 31.14M | 36.55M |
| Depreciation & Amortization | 637K | 635K | 638K | 713K | 775K | 826K | 871K | 928K | 1.06M | 820K |
| Deferred Taxes | -259K | 56K | -967K | -1.03M | -2.02M | -682K | -149K | -74K | -706K | 1.07M |
| Other Non-Cash Items | 3.21M | 2.6M | 2.46M | 5.61M | 3.32M | 2.23M | 666K | -624K | -370K | -2.56M |
| Working Capital Changes | -732K | 2.98M | 2.01M | 2.7M | 1.75M | 4.99M | -4.06M | -91K | -3.15M | -1.99M |
| Cash from Investing | -115.76M | -163.38M | -115.34M | -397.32M | -417.14M | -471.18M | 661K | -129.24M | -210.17M | -210.18M |
| Purchase of Investments | -115.3M | -183.29M | -191.32M | -391.49M | -626.64M | -669.21M | -211.96M | -329.59M | -444.16M | -629.54M |
| Sale/Maturity of Investments | 103.22M | 101.45M | 160.71M | 208.08M | 344.05M | 359.77M | 367.27M | 298.17M | 360.16M | 561.4M |
| Net Investment Activity | -12.08M | -81.84M | -30.62M | -183.41M | -282.59M | -309.44M | 155.31M | -31.42M | -84M | -68.14M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -103.61M | -81.21M | -84.13M | -212.79M | -133.29M | -160.69M | -153.12M | -96.31M | -125.47M | -134.72M |
| Cash from Financing | 102.1M | 152.93M | 96.75M | 381.52M | 498.7M | 355.06M | 98.67M | 98.28M | 174.87M | 133.92M |
| Dividends Paid | -1.92M | -1.53M | -2.04M | -2.24M | -2.43M | -2.63M | -2.19M | -3.24M | -4.47M | -2.97M |
| Share Repurchases | 0 | 0 | 0 | -631K | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | -631K | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 0 |
| Other Financing | 120.87M | 165.86M | 95.33M | 380.51M | 504.03M | 207.5M | 224.56M | -47.94M | 250.61M | 173.78M |
| Net Change in Cash | 382K▲ 0% | 10.23M▲ 2577.2% | 3.03M▼ 70.3% | 10.93M▲ 260.1% | 109.31M▲ 900.6% | -80.77M▼ 173.9% | 127.44M▲ 257.8% | -6.05M▼ 104.7% | -7.32M▼ 20.9% | -11.88M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30.48M |
| Cash at Beginning | 15.89M | 16.28M | 26.5M | 29.54M | 40.46M | 149.78M | 69.01M | 196.44M | 190.4M | 0 |
| Cash at End | 16.28M | 26.5M | 29.54M | 40.46M | 149.78M | 69.01M | 196.44M | 190.4M | 183.08M | 0 |
| Interest Paid | 3.06M | 4.02M | 6.29M | 8.47M | 4.96M | 5.18M | 23.07M | 52.07M | 57.86M | 42.16M |
| Income Taxes Paid | 5.56M | 2.33M | 4.4M | 3.12M | 6.3M | 5.6M | 6.31M | 1.8M | 1.17M | -393K |
| Free Cash Flow | 13.97M▲ 0% | 20.35M▲ 45.6% | 21.04M▲ 3.4% | 25.61M▲ 21.7% | 26.5M▲ 3.5% | 34.3M▲ 29.5% | 26.57M▼ 22.5% | 23.4M▼ 11.9% | 27.29M▲ 16.6% | 32.93M▲ 0% |
| FCF Growth % | 5.12% | 45.63% | 3.38% | 21.73% | 3.48% | 29.45% | -22.54% | -11.93% | 16.6% | 43.72% |
GCBC Banking Ratios
Greene County Bancorp, Inc. (GCBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.18% | 16.03% | 16.77% | 15.53% | 17.2% | 18.21% | 18.06% | 12.73% | 14% | 15% |
| Return on Assets (ROA) | 1.21% | 1.35% | 1.44% | 1.27% | 1.23% | 1.17% | 1.17% | 0.9% | 1.06% | 1.19% |
| Net Interest Margin | 3.09% | 3.03% | 3.15% | 2.67% | 2.42% | 2.26% | 2.27% | 1.8% | 1.98% | 2.21% |
| Efficiency Ratio | 50.06% | 48.18% | 46.97% | 44.9% | 45.92% | 44.93% | 39.9% | 31.73% | 29.62% | 29.17% |
| Equity / Assets | 8.5% | 8.35% | 8.85% | 7.68% | 6.8% | 6.13% | 6.79% | 7.29% | 7.85% | 8.21% |
| Book Value / Share | 4.91 | 5.64 | 6.58 | 7.55 | 8.79 | 9.26 | 10.76 | 12.1 | 14.03 | 15.17 |
| NII Growth | 15.87% | 14.92% | 14.57% | 12.08% | 18.54% | 9.14% | 5.54% | -16.73% | 17.93% | 32.74% |
| Dividend Payout | 17.16% | 10.59% | 11.65% | 11.95% | 10.15% | 9.41% | 7.12% | 13.08% | 14.37% | 8.13% |
GCBC SEC Filings & Documents
Greene County Bancorp, Inc. (GCBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
GCBC Frequently Asked Questions
Greene County Bancorp, Inc. (GCBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Greene County Bancorp, Inc. (GCBC) grew revenue by 13.1% over the past year. This is steady growth.
Yes, Greene County Bancorp, Inc. (GCBC) is profitable, generating $36.5M in net income for fiscal year 2025 (23.4% net margin).
Dividend & Returns
Yes, Greene County Bancorp, Inc. (GCBC) pays a dividend with a yield of 1.09%. This makes it attractive for income-focused investors.
Greene County Bancorp, Inc. (GCBC) has a return on equity (ROE) of 14.0%. This is reasonable for most industries.
Industry Metrics
Greene County Bancorp, Inc. (GCBC) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
Greene County Bancorp, Inc. (GCBC) has an efficiency ratio of 29.6%. This is excellent, indicating strong cost control.
Explore More GCBC
Greene County Bancorp, Inc. (GCBC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates