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GCBC

Greene County Bancorp, Inc.

GCBC

Greene County Bancorp, Inc. • NASDAQ
$22.80 ▲ 0.93% (+0.21)
Market Cap $388.21 M
52w High $31.83
52w Low $20.00
Dividend Yield 0.40%
P/E 11.52
Volume 3.40K
Outstanding Shares 17.03M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $35.609M ▲ $10.061M ▼ $8.87M ▼ 24.909% ▼ $0.52 ▼ $10.467M ▼
Q4-2025 $34.504M ▲ $10.394M ▲ $9.333M ▲ 27.049% ▲ $0.55 ▲ $11.232M ▲
Q3-2025 $33.635M ▲ $10.042M ▲ $8.054M ▲ 23.945% ▲ $0.47 ▲ $9.207M ▲
Q2-2025 $33.293M ▲ $9.386M ▼ $7.49M ▲ 22.497% ▲ $0.44 ▲ $8.342M ▲
Q1-2025 $31.506M $9.55M $6.261M 19.872% $0.37 $6.95M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $377.446M ▼ $3.059B ▲ $2.81B ▲ $248.176M ▲
Q4-2025 $504.344M ▲ $3.041B ▲ $2.802B ▲ $238.837M ▲
Q3-2025 $474.73M ▼ $3.008B ▲ $2.779B ▲ $229.043M ▲
Q2-2025 $543.473M ▼ $2.966B ▲ $2.747B ▲ $218.449M ▲
Q1-2025 $580.574M $2.875B $2.658B $216.298M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q4-2025 $9.333M ▲ $13.213M ▲ $-4.027M ▲ $18.409M ▼ $27.595M ▲ $12.908M ▲
Q3-2025 $8.054M ▲ $7.305M ▲ $-48.141M ▲ $29.876M ▼ $-10.96M ▲ $7.253M ▲
Q2-2025 $7.49M ▲ $5.31M ▲ $-140.478M ▼ $88.142M ▲ $-47.026M ▼ $5.129M ▲
Q1-2025 $6.261M ▼ $2.15M ▼ $-17.52M ▲ $38.444M ▲ $23.074M ▲ $1.997M ▼
Q4-2024 $6.732M $11.063M $-21.282M $-55.209M $-65.428M $10.865M

Revenue by Products

Product Q4-2020Q1-2021Q2-2021Q3-2021
ATMPoint of Sale Fees
ATMPoint of Sale Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Related Fees
Deposit Related Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Ecommerce Fee Income
Ecommerce Fee Income
 $0 ▲$0 ▲$0 ▲$0 ▲
Insufficient funds fees
Insufficient funds fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been climbing at a healthy pace over the past several years, showing a steadily expanding banking franchise. Profitability has been solid and fairly consistent, with earnings dipping a bit in the middle of the period and then recovering. Margins look respectable for a community bank, though there are mild signs of cost pressure as growth has required more spending. Overall, this is a picture of controlled, profitable growth rather than rapid, volatile swings.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, reflecting an expanding loan book and customer base. Equity has steadily increased, suggesting profits are being retained and capital strength is building over time. Debt levels have moved around from year to year and now sit higher than they were several years ago, but not in an extreme way for a growing bank. Cash balances have fluctuated notably, with a recent move down that likely reflects money being put to work in loans or securities rather than kept idle. In short, the bank looks larger, better capitalized, and somewhat more leveraged than in the past, which is typical for a regional growth story but still worth monitoring.

Cash Flow

Cash Flow Operating cash flow has been consistently positive, which is what you want to see from a bank that depends on stable interest income and fees. Free cash flow closely tracks operating cash flow because the business is not very capital‑intensive; it doesn’t need heavy spending on physical assets to grow. This pattern points to a franchise that converts its earnings into cash reliably, leaving room for dividends, balance sheet strengthening, or future growth initiatives, depending on management’s choices.

Competitive Edge

Competitive Edge GCBC operates as a classic community bank with deep roots in its local markets, especially in the Hudson Valley and Capital Region of New York. Its edge comes less from cutting‑edge technology and more from local decision‑making, long-standing customer relationships, and a strong reputation with individuals, businesses, and municipalities. The bank has carved out visible strengths in commercial mortgages and municipal banking, which can be harder niches for larger national competitors to serve as personally. The main competitive risks are its geographic concentration, increasing competition from larger banks and digital players, and the need to keep its offerings modern enough that customers don’t drift to more tech‑driven alternatives.

Innovation and R&D

Innovation and R&D Innovation here is mostly incremental and customer‑focused rather than high‑tech. GCBC offers the digital services customers now expect—online and mobile banking, digital wallets, and remote deposit—but these are broadly in line with industry standards, not unique differentiators. The bank’s real “innovation” is in product tailoring (such as municipal banking and wealth management) and in using its community presence as a service advantage. The risk is that, without stronger proprietary technology or faster digital upgrades, it could lag larger or more tech‑savvy competitors over time. The opportunity lies in steadily enhancing digital experiences and back‑office efficiency while preserving the personal, community‑based model that differentiates it.

Summary

Greene County Bancorp looks like a steadily growing community bank that converts its local roots and relationships into solid, repeatable earnings. Revenue and earnings have generally trended upward, capital has been building, and cash generation is reliable. The franchise is anchored by community banking fundamentals, specialization in areas like commercial mortgages and municipal banking, and a strong local reputation rather than by headline‑grabbing technology. Key things to watch going forward include credit quality in its loan book, how it manages its growing balance sheet and debt, and whether it can keep its digital capabilities and customer experience competitive while expanding into new markets without diluting its community‑focused identity.

NEWS

October 22, 2025 · 8:42 AM UTC

Greene County Bancorp, Inc. Announces Cash Dividend

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October 21, 2025 · 9:26 AM UTC

Greene County Bancorp, Inc. Reports Net Income of $8.9 Million for the Three Months Ended September 30, 2025, and Finalized Expansion Plans into Saratoga County

Read more