Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Greene County Bancorp, Inc.'s quarterly P/E stands at 9.3x, down 41.2% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 23.9% YoY to 12.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.08 | 9.26 | 10.87 | 10.10 | 12.82 | 15.75 | 20.88 | 21.07 | 21.17 | 20.74 | 15.82 | 19.61 | 11.81 |
| — | -41.2% | -48.0% | -52.1% | -39.4% | -24.0% | +32.0% | +7.5% | +79.2% | +24.2% | +17.1% | +38.5% | -11.2% | |
| P/S Ratio | 3.77 | 2.58 | 2.70 | 2.74 | 3.05 | 3.54 | 4.17 | 4.62 | 4.16 | 4.13 | 3.66 | 4.77 | 3.86 |
| — | -27.2% | -35.3% | -40.7% | -26.6% | -14.2% | +14.1% | -3.0% | +7.6% | -20.9% | -34.7% | -2.2% | -26.1% | |
| P/B Ratio | 2.10 | 1.47 | 1.55 | 1.58 | 1.79 | 2.16 | 2.43 | 2.79 | 2.46 | 2.46 | 2.22 | 2.77 | 2.16 |
| — | -32.2% | -36.3% | -43.1% | -27.2% | -12.1% | +9.4% | +0.6% | +13.9% | -15.4% | -27.2% | +13.2% | -10.9% | |
| P/FCF | 18.36 | 15.22 | 14.69 | 7.33 | 14.15 | 23.01 | 65.87 | 13.21 | 24.90 | 65.52 | 17.70 | 13.13 | 13.07 |
| — | -33.9% | -77.7% | -44.5% | -43.2% | -64.9% | +272.1% | +0.6% | +90.5% | +183.0% | -38.3% | +89.5% | +0.2% | |
| EV / EBITDA | 12.44 | 12.63 | 6.76 | 7.16 | 9.43 | 16.60 | 16.28 | 20.50 | 12.33 | 18.18 | 10.75 | 11.99 | 6.59 |
| — | -23.9% | -58.5% | -65.0% | -23.5% | -8.7% | +51.5% | +71.0% | +87.2% | +10.6% | -4.8% | -19.6% | -16.4% | |
| EV / EBIT | 12.82 | 12.63 | 6.94 | 7.34 | 9.71 | 17.14 | 16.92 | 21.23 | 12.82 | 18.81 | 11.06 | 12.36 | 6.74 |
| — | -26.3% | -59.0% | -65.4% | -24.2% | -8.9% | +52.9% | +71.7% | +90.2% | +11.7% | -3.9% | -19.2% | -16.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Greene County Bancorp, Inc.'s operating margin was 31.5% in Q2 2026, up 2.9 pp QoQ and up 7.3 pp YoY. The trailing four-quarter average of 29.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.7% | 60.1% | 56.9% | 61.9% | 56.4% | 52.5% | 51.5% | 53.9% | 52.3% | 54.0% | 58.2% | 64.6% | 76.9% |
| — | +14.5% | +10.3% | +14.9% | +7.9% | -2.8% | -11.4% | -16.6% | -32.0% | -31.9% | -34.9% | -26.0% | -16.7% | |
| Operating Margin | 26.1% | 31.5% | 28.6% | 31.8% | 26.6% | 24.3% | 21.2% | 22.0% | 21.0% | 21.9% | 26.6% | 27.0% | 37.5% |
| — | +29.9% | +34.8% | +44.4% | +26.8% | +10.7% | -20.1% | -18.6% | -44.1% | -40.5% | -45.7% | -32.6% | -19.8% | |
| Net Margin | 23.4% | 28.1% | 24.9% | 27.0% | 23.9% | 22.5% | 19.9% | 21.7% | 19.9% | 19.6% | 23.1% | 24.3% | 32.4% |
| — | +24.8% | +25.3% | +24.7% | +20.5% | +14.6% | -14.1% | -10.7% | -38.6% | -36.1% | -44.4% | -29.5% | -18.0% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.0% | 4.1% | 3.6% | 4.0% | 3.6% | 3.4% | 3.0% | 3.3% | 3.0% | 3.0% | 3.5% | 3.6% | 4.7% |
| — | +18.0% | +22.8% | +20.1% | +21.1% | +14.6% | -15.8% | -6.9% | -36.3% | -31.5% | -38.2% | -17.5% | +2.8% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +29.3% | +32.4% | +30.6% | +29.0% | +21.9% | -8.5% | -0.8% | -31.0% | -24.0% | -31.5% | -10.9% | +2.5% | |
| ROIC | 6.7% | 2.2% | 2.3% | 2.4% | 1.7% | 1.5% | 1.3% | 1.5% | 1.4% | 1.6% | 2.4% | 2.3% | 2.5% |
| — | +52.9% | +73.9% | +60.5% | +20.3% | -6.2% | -44.6% | -36.6% | -44.6% | -32.7% | -16.4% | +5.6% | -9.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Greene County Bancorp, Inc.'s Debt/EBITDA ratio is 18.5x, up from 5.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 5454.7% YoY to 11.69x, strengthening the short-term liquidity position.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.54 | 0.83 | 0.22 | 0.54 | 0.41 | 1.15 | 0.66 | 0.97 | 0.43 | 0.92 | 0.29 | 0.27 | 0.28 |
| — | -27.8% | -66.9% | -44.5% | -4.7% | +25.3% | +125.1% | +258.0% | +55.6% | -1.8% | -35.8% | -75.4% | -11.8% | |
| Debt / EBITDA | 3.58 | 18.53 | 5.17 | 11.40 | 10.21 | 30.07 | 20.50 | 28.15 | 13.35 | 27.16 | 7.04 | 6.67 | 5.16 |
| — | -38.4% | -74.8% | -59.5% | -23.5% | +10.7% | +191.2% | +322.1% | +158.9% | +52.9% | +5.0% | -68.6% | -8.7% | |
| Current Ratio | 0.19 | 11.69 | 0.18 | 0.19 | 0.18 | 0.21 | 0.23 | 0.22 | 0.24 | 0.20 | 0.19 | 0.21 | 0.21 |
| — | +5454.7% | -23.2% | -13.8% | -24.7% | +3.1% | +23.8% | +7.2% | +14.0% | +13.7% | +3.7% | -2.8% | -16.4% | |
| Quick Ratio | 0.19 | 11.69 | 0.18 | 0.19 | 0.18 | 0.21 | 0.23 | 0.22 | 0.24 | 0.20 | 0.19 | 0.21 | 0.21 |
| — | +5454.7% | -23.2% | -13.8% | -24.7% | +3.1% | +23.8% | +7.2% | +14.0% | +13.7% | +3.7% | -2.8% | -16.4% | |
| Interest Coverage | 0.60 | 0.80 | 0.72 | 0.78 | 0.66 | 0.53 | 0.46 | 0.47 | 0.45 | 0.48 | 0.66 | 0.77 | 1.40 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying GCBC stock.
Greene County Bancorp, Inc.'s current P/E is 16.1x. The average P/E over the last 4 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Greene County Bancorp, Inc.'s current operating margin is 26.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Greene County Bancorp, Inc.'s business trajectory between earnings reports.