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Greene County Bancorp, Inc.

GCBC

Greene County Bancorp, Inc. is a federal holding company that operates primarily through its subsidiary, the Bank of Greene County, providing comprehensive community banking services.

Market cap
$577.16M+49.7%
Revenue$92.6M+22.9%
Net income$41.0M+31.7%
Free cash flow$41.6M+52.3%
EPS (diluted)$2.41+31.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (In 2 weeks)

Financials

Q4 2026

Income statement

See full
Revenue$25.0M+22.0%
Net income$11.3M+21.5%
EPS (diluted)$0.67+21.8%

Balance sheet

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Cash & equivalents$144.9M-20.9%
Total debt$121.3M+58.8%
Total equity$277.8M+16.3%
Total assets$3.2B+4.7%

Cash flow

See full
Operating cash flow$18.3M+38.1%
CapEx$117.0K-61.6%
Free cash flow$18.1M+40.5%

Valuation & ratios

Valuation

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Market cap$570.35M+49.7%
Enterprise value$546.73M+152%
P/E13.9×+3.0×
P/S6.2×+1.6×

Profitability

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Net margin44.3%+3.0pp
FCF margin44.9%+8.7pp

Returns & leverage

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Return on equity15.9%+1.9pp
Debt / equity0.4×+0.1×

Competitors

Profile

Greene County Bancorp, Inc. is a federal holding company that operates primarily through its subsidiary, the Bank of Greene County, providing comprehensive community banking services. The company focuses on attracting retail, commercial, and municipal deposits to fund a diverse lending portfolio including residential and commercial real estate, business, and consumer loans. It serves the Hudson Valley and Capital District regions of New York State through a network of full-service banking offices and specialized lending centers.

Competitive position

A community-focused financial institution with a strong presence in the Hudson Valley and Capital District, leveraging a mutual holding company structure to maintain local identity.

GeographiesNew York, United States
Customer segmentsRetail, Commercial, Municipal
Business modelInterest Income, Fee-based Services, B2C, B2B, B2G
SuppliersFederal Home Loan Bank of New York, Federal Reserve Bank of New York, Depositors, Equity Investors
CustomersHomeowners, Real Estate Developers, Local Municipalities, Small Business Owners
Listed1998
Employees217.0
CEODonald E. Gibson
Websitetbogc.com
FilingsSEC EDGAR

FAQ

What is Greene County Bancorp, Inc.'s market cap?
Greene County Bancorp, Inc. (GCBC) has a market capitalization of $577.2M and trades on NASDAQ.
What is Greene County Bancorp, Inc.'s revenue and profitability?
Greene County Bancorp, Inc. generated $92.6M in trailing twelve-month revenue with net income of $41.0M, representing a net margin of 44.3%, with free cash flow of $41.6M. The latest reported period is Q4 2026.
Who are Greene County Bancorp, Inc.'s competitors?
Greene County Bancorp, Inc.'s key competitors include JPMorgan Chase & Co., KeyCorp, Trustco Bank Corp NY, and others. These companies compete in similar markets and product categories.
Who does Greene County Bancorp, Inc. partner with?
Greene County Bancorp, Inc.'s notable partners include Osaic Institutions, Inc., IntraFi, Fannie Mae, and others.
What subsidiaries does Greene County Bancorp, Inc. have?
Greene County Bancorp, Inc.'s subsidiaries include The Bank of Greene County, Greene County Commercial Bank, Greene Property Holdings, Ltd..
Where is Greene County Bancorp, Inc. headquartered?
Greene County Bancorp, Inc. is headquartered in United States of America and employs approximately 217 people. It has been publicly traded since 1998.