Greene County Bancorp Inc GCBC Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$36.13 up $0.13, 0.36% at close Nov 6
Last close · Previous close $36.00
- Market cap
- At the Nov 6 close
- P/E ratio
- 14.99On last 12 months’ EPS
- Diluted EPS
- $2.41Last 12 months
- Dividend yield
- 1.13%Last 12 months
Price chart
$36.13up $0.13, 0.36%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$36.00Nov 5
- Volume24.82KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume24.17KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $21.38 to $37.25; now $36.13
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
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Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
GCBC beat the S&P 500 in 6 of 7 periods.
| Period | GCBC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | GCBC: up 5.1% S&P 500: down 5.6% | GCBC beat the S&P 500 by 10.7 percentage points Beat |
| 3M | GCBC: up 5.1% S&P 500: down 4.1% | GCBC beat the S&P 500 by 9.2 percentage points Beat |
| YTD | GCBC: up 64.4% S&P 500: up 8.7% | GCBC beat the S&P 500 by 55.7 percentage points Beat |
| 1Y | GCBC: up 64.2% S&P 500: up 10.9% | GCBC beat the S&P 500 by 53.3 percentage points Beat |
| Long term | ||
| 3Y | GCBC: up 50.5% S&P 500: up 75.0% +14.6% vs +20.5% a year | GCBC trailed the S&P 500 by 24.5 percentage points Trailed |
| 5Y | GCBC: up 118.0% S&P 500: up 67.8% +16.9% vs +10.9% a year | GCBC beat the S&P 500 by 50.2 percentage points Beat |
| 10Y | GCBC: up 381.3% S&P 500: up 313.1% +17.0% vs +15.2% a year | GCBC beat the S&P 500 by 68.2 percentage points Beat |
$10,000 invested in GCBC 10 years ago (Nov 4, 2016) would be worth about $48,125 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
GCBC beat the S&P 500 in 6 of 7 periods.
| Period | GCBC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | GCBC: up 5.1% S&P 500: down 5.6% | GCBC beat the S&P 500 by 10.7 percentage points Beat |
| 3M | GCBC: up 4.7% S&P 500: down 4.3% | GCBC beat the S&P 500 by 9.0 percentage points Beat |
| YTD | GCBC: up 62.5% S&P 500: up 7.8% | GCBC beat the S&P 500 by 54.7 percentage points Beat |
| 1Y | GCBC: up 61.6% S&P 500: up 9.7% | GCBC beat the S&P 500 by 51.9 percentage points Beat |
| Long term | ||
| 3Y | GCBC: up 44.5% S&P 500: up 68.8% +13.0% vs +19.1% a year | GCBC trailed the S&P 500 by 24.3 percentage points Trailed |
| 5Y | GCBC: up 104.4% S&P 500: up 56.9% +15.4% vs +9.4% a year | GCBC beat the S&P 500 by 47.5 percentage points Beat |
| 10Y | GCBC: up 316.5% S&P 500: up 252.6% +15.3% vs +13.4% a year | GCBC beat the S&P 500 by 63.9 percentage points Beat |
$10,000 invested in GCBC 10 years ago (Nov 4, 2016) would be worth about $41,648 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$38.14
Closing high on . Now 5.3% below that record.
Split-adjusted daily closes since Jun 30, 1999.
Stock splits
3
Latest: 2-for-1 on . One share bought before the first split is 8 shares today.
All 3 splits
- 2-for-1
- 2-for-1
- 2-for-1
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q4 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $90.55Mup 22.3%
- Net income
- $41.02Mup 31.7%
- Diluted EPS
- $2.41up 31.7%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q1 FY25 (Sep 30, 2024) | $16.24M | $6.26M | $0.37 |
| Q2 FY25 (Dec 31, 2024) | $17.47M | $7.49M | $0.44 |
| Q3 FY25 (Mar 31, 2025) | $18.98M | $8.05M | $0.47 |
| Q4 FY25 (Jun 30, 2025) | $21.35M | $9.33M | $0.55 |
| Q1 FY26 (Sep 30, 2025) | $20.25M | $8.87M | $0.52 |
| Q2 FY26 (Dec 31, 2025) | $22.02M | $10.29M | $0.60 |
| Q3 FY26 (Mar 31, 2026) | $23.43M | $10.52M | $0.62 |
| Q4 FY26 (Jun 30, 2026) | $24.85M | $11.34M | $0.67 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY22 (Jun 30, 2022) | $66.86M | $27.99M | Paused See the note under the price. |
| FY23 (Jun 30, 2023) | $74.44M | $30.79M | $1.81 |
| FY24 (Jun 30, 2024) | $64.12M | $24.77M | $1.45 |
| FY25 (Jun 30, 2025) | $74.04M | $31.14M | $1.83 |
| FY26 (Jun 30, 2026) | $90.55M | $41.02M | $2.41 |
Margins
- Gross 100.0%
- Operating 51.7%
- Net 45.3%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $41.56MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$42.30MLast 12 months
- Capital spending$741.00KLast 12 months
- 45.9%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $32.00KLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$4.05MLast 12 months
- Total returned$4.08MLast 12 months
10% of free cash flow
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$155.15MAs of Jun 30, 2026
- 0.56As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 15.6%Last 12 months
Over the last 12 months, Greene County Bancorp’s net income was 15.6% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 1.3%Last 12 months
Over the last 12 months, Greene County Bancorp’s net income was 1.3% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.19 |
| 2017 | $0.19 |
| 2018 | $0.20 |
| 2019 | $0.21 |
| 2020 | $0.23 |
| 2021 | $0.25 |
| 2022 | $0.27 |
| 2023 | $0.30 |
| 2024 | $0.34 |
| 2025 | $0.38 |
| 2026 (to date) | $0.31 |
Dividend details
- $0.41Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield1.13%Last 12 months
- $0.11Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyQuarterly4 payments in the last 12 months
- up 10.6% a yearFull years 2020–2025
The compound annual growth rate of the full-year dividend per share from 2020 to 2025.
- 12 yearsThrough 2025
How many calendar years in a row the full-year amount has risen, through 2025.
- 17.0%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About Greene County Bancorp Inc
Greene County Bancorp, Inc. operates as the federally chartered holding company of The Bank of Greene County, a federally chartered savings bank. A majority of the Company's issued and outstanding common stock (55.1%) is held by Greene County Bancorp, MHC, which is a federally chartered mutual holding company. The purpose of Greene County Commercial Bank is to serve local municipalities' banking needs. The Bank of Greene County's principal business consists of attracting retail deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in one to four-family residential mortgage loans, nonresidential mortgage loans, consumer loans, home equity loans and commercial business loans. In June 2011, The Bank of Greene County formed a new subsidiary, Greene Property Holdings, Ltd.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- New York, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
GCBC news
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GCBC stock FAQ
What is GCBC stock’s price today?
Greene County Bancorp (GCBC) traded at $36.13 at the close on , up $0.13 (0.36%) from the previous close of $36.00. Over the past 52 weeks it has traded between $21.38 and $37.25.
If you invested $1,000 in GCBC 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in GCBC on would be worth about $4,813 at the close on , a total return of +381.3%. The same $1,000 would be worth $2,180 if invested five years ago, $1,642 if invested one year ago, and $15,749 if invested 20 years ago. Past performance doesn’t predict future returns.
What is GCBC’s P/E ratio?
GCBC trades at 15.0 times its diluted earnings over the four quarters to ($2.41 per share), at the close. (How the P/E ratio works.)
How much revenue does Greene County Bancorp make?
Greene County Bancorp reported $90.5 million of revenue over the four quarters to , up 22.3% from the twelve months before. In its latest quarter (Q4 FY26, ended ) revenue was $24.8 million, up 16.4% from a year earlier.
Is Greene County Bancorp profitable?
Yes. Greene County Bancorp earned $41.0 million of net income over the four quarters to , a net margin of 45.3%, and its operating margin was 51.7% (what margins tell you).
What are GCBC’s earnings per share?
GCBC’s diluted earnings per share were $2.41 over the four quarters to , compared with $1.83 in the twelve months before. The latest quarter (Q4 FY26) brought $0.67 per share, against $0.55 a year earlier (how EPS works).
Does GCBC pay a dividend?
Yes. Greene County Bancorp pays a quarterly dividend. The most recent was $0.11 per share, with an ex-dividend date of . Over the last twelve months it paid $0.41 per share, a 1.13% yield at the close, and the full-year dividend has risen 12 years in a row (how dividend yield works).
Based on the last 12 months’ payments ($0.41 per share), and if the next 12 months match the last 12, 100 shares would receive about $41 over 12 months, and $1,000 over 12 months would take about 2,440 shares, roughly $88,157 at the close. Dividends can change.
What is GCBC’s 52-week high and low?
Over the past 52 weeks GCBC has traded as low as $21.38 and as high as $37.25. At $36.13 at the close on , it is 3.0% below that high and 69.0% above the low.
What is GCBC’s all-time high?
GCBC’s highest closing price was $38.14 on , adjusted for stock splits. At $36.13 at the close on , it is 5.3% below that record.
Has GCBC stock ever split?
Yes, three times: 2-for-1 on ; 2-for-1 on ; 2-for-1 on . One share bought before the first split would be 8 shares today.
How has GCBC stock performed?
Including dividends and measured to the close on , GCBC has returned +64.4% so far this year and +64.2% over the past year, and +118.0% over five years (+16.9% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Greene County Bancorp in?
Greene County Bancorp is in the Financial Services sector and the Banks - Regional industry, and is headquartered in New York, USA.
What exchange does GCBC trade on?
Greene County Bancorp trades on the Nasdaq under the ticker symbol GCBC. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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