Greene County Bancorp (GCBC) Stock Price, News & Analysis

Company Overview

Greene County Bancorp (NASDAQ:GCBC) is the bank holding company for Greene County Bank, a community-based financial institution headquartered in Catskill, New York. The company provides a full range of deposit, loan and ancillary banking services through branch locations and online platforms across Greene, Columbia, Ulster and surrounding counties in upstate New York. With a focus on personal service and local decision-making, the company seeks to support both individual and business customers in its communities.

The company’s core business activities include consumer and commercial lending, deposits and treasury management services. On the lending side, Greene County Bancorp offers residential mortgages, home equity lines of credit, construction loans, and agricultural and commercial real estate financing. Deposit products include checking and savings accounts, certificates of deposit, money market accounts, and retirement accounts. The company also provides cash management, remote deposit capture, merchant services, and online/mobile banking solutions to enhance customer convenience and financial control.

Originally chartered in 1892 as Greene County Savings Bank, the organization has grown through both organic expansion and select acquisitions. Over the decades, it has broadened its geographic footprint within the Hudson Valley region while maintaining a commitment to local community development. Through its history, Greene County Bancorp has supported small businesses, farmers and families with tailored financial solutions and has reinvested in the local economy through lending initiatives and charitable partnerships.

Under the leadership of President and Chief Executive Officer David F. Ferguson and Chief Financial Officer Mary S. Ferguson, the company emphasizes prudent risk management, customer relationships and technological enhancement. Its board of directors, drawn largely from the local area, helps guide strategic priorities and governance. Greene County Bancorp continues to blend traditional community banking values with modern digital services to meet the evolving needs of its customers.

Key Stats

• Today's Range: $24.42 to $25.08
• 50-Day Range: $21.26 to $24.84
• 52-Week Range: $20.00 to $37.25
• Volume: 72,379 shs
• Average Volume: 27,528 shs
• Market Capitalization: N/A
• P/E Ratio: 14.77
• Dividend Yield: 1.45%
• Price Target: N/A
• Consensus Rating: N/A

Greene County Bancorp Stock Analysis - MarketRank™

Greene County Bancorp scored higher than 54% of companies evaluated by MarketBeat, and ranked 753rd out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Greene County Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Greene County Bancorp is 14.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.15.

Price to Earnings Ratio vs. Sector

The P/E ratio of Greene County Bancorp is 14.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.92.

Price to Book Value per Share Ratio

Greene County Bancorp has a P/B Ratio of 2.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.90% of the float of Greene County Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Greene County Bancorp has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Greene County Bancorp has recently increased by 14.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Greene County Bancorp pays a meaningful dividend of 1.45%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Greene County Bancorp has been increasing its dividend for 11 years.

Dividend Coverage

The dividend payout ratio of Greene County Bancorp is 21.43%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.90% of the float of Greene County Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Greene County Bancorp has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Greene County Bancorp has recently increased by 14.13%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Greene County Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Greene County Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Greene County Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $192,900.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 5.10% of the stock of Greene County Bancorp is held by insiders.

Percentage Held by Institutions

Only 13.39% of the stock of Greene County Bancorp is held by institutions.

GCBC Stock Analysis - Frequently Asked Questions

How have GCBC shares performed this year?

Greene County Bancorp's stock was trading at $27.72 at the beginning of the year. Since then, GCBC shares have decreased by 10.5% and is now trading at $24.82.

How were Greene County Bancorp's earnings last quarter?

Greene County Bancorp, Inc. (NASDAQ:GCBC) released its earnings results on Tuesday, April, 22nd. The real estate investment trust reported $0.47 earnings per share (EPS) for the quarter. The real estate investment trust had revenue of $20.07 million for the quarter. Greene County Bancorp had a net margin of 22.04% and a trailing twelve-month return on equity of 13.12%.

When did Greene County Bancorp's stock split?

Greene County Bancorp's stock split before market open on Tuesday, March 7th 2023.The 2-1 split was announced on Tuesday, March 7th 2023. The newly minted shares were issued to shareholders after the market closes on Tuesday, March 7th 2023. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

How do I buy shares of Greene County Bancorp?

Shares of GCBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Greene County Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Greene County Bancorp investors own include NVIDIA (NVDA), Advanced Micro Devices (AMD), Meta Platforms (META), Tesla (TSLA), Home Depot (HD), JPMorgan Chase & Co. (JPM) and Netflix (NFLX).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 5/30 Dividend: 5/16/2025
• Ex-Dividend for 5/30 Dividend: 5/16/2025
• Dividend Payable: 5/30/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:GCBC
• CIK: 1070524
• Web: www.thebankofgreenecounty.com
• Phone: (518) 943-2600
• Fax: 518-943-4431
• Employees: 210
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.68
• Trailing P/E Ratio: 14.77
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $24.77 million
• Net Margins: 22.04%
• Pretax Margin: 23.59%
• Return on Equity: 13.12%
• Return on Assets: 0.98%

Debt

• Debt-to-Equity Ratio: 0.01
• Current Ratio: 0.64
• Quick Ratio: 0.64

Sales & Book Value

• Annual Sales: $71.46 million
• Price / Sales: 5.92
• Cash Flow: $1.62 per share
• Price / Cash Flow: 15.31
• Book Value: $12.10 per share
• Price / Book: 2.05

Miscellaneous

• Outstanding Shares: 17,030,000
• Free Float: N/A
• Market Cap: $422.68 million
• Optionable: Not Optionable
• Beta: 0.49