GREENE COUNTY BANCORP INC

GCBCNASDAQ

🏆 #2384 by market capEarnings Oct 20US Equity

$34.83▲ $0.53 (+1.52%)

Market closed · at close

1h—

24h▲ 1.5%

7d▲ 1.2%

14d▲ 2.3%

30d▲ 6.4%

1y▲ 44.0%

🏦Market Cap

$593M

Small Cap

📈Revenue Growth (YoY)

+36.4%

High Growth

📊Gross Margin

—

💵FCF Margin

36.7%

Strong

⚖️P/S Ratio

5.9x

Fair

Otter Score

Weak

Trading Snapshot

Day Range: $34.45 – $35.37
52-Week Range: $21.25 – $36.02
Volume: $2.76B
Avg Volume: $2.89B
Shares Outstanding: 17.0M
Next Earnings: Oct 1, 2026

Fundamentals Snapshot

Annual Revenue: $146M
Last Q Revenue: $37M
P/E Ratio: 14.2
P/S Ratio: 5.9x
EPS (TTM): $2.41
Dividend Yield: 0.68%

Why Investors Own GCBC

✓High-growth profile — revenue up +11.1% YoY with expanding US Equity exposure.
✓Healthy economics — 33% gross margin and 17% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$146M▲ +6.7% YoY

Gross Margin (TTM)

33.0%▲ +1.3% YoY

Operating Income (TTM)

$28M▲ +6.7% YoY

Free Cash Flow (TTM)

$25M▲ +6.7% YoY

About GREENE COUNTY BANCORP INC

Greene County Bancorp, Inc. serves as the parent organization for The Bank of Greene County, delivering a diverse range of financial solutions throughout the United States. Its array of deposit products encompasses savings accounts, interest-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending activities include a comprehensive portfolio featuring residential, construction and land, and multi-family mortgage loans, alongside commercial real estate mortgages. Consumer credit options are also available, such as financing for new and used automobiles, personal loans, home equity loans, and various other installment loans including passbook-secured loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdraft facilities. Additionally, the company provides commercial loans. As of June 30, 2021, it maintained a network of 17 full-service banking branches. The company, founded in 1889, is headquartered in Catskill, New York, and operates as a subsidiary of Greene County Bancorp, MHC.

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