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: $23.25 to $24.30
• 50-Day Range: $21.26 to $24.83
• 52-Week Range: $20.00 to $37.25
• Volume: 43,596 shs
• Average Volume: 27,364 shs
• Market Capitalization: $410.42 million
• P/E Ratio: 14.35
• Dividend Yield: 1.49%
• Price Target: N/A
• Consensus Rating: N/A

GCBC Stock Analysis - Frequently Asked Questions

How have GCBC shares performed this year?

Greene County Bancorp's stock was trading at $27.72 on January 1st, 2025. Since then, GCBC shares have decreased by 13.7% and is now trading at $23.93.

How were Greene County Bancorp's earnings last quarter?

Greene County Bancorp, Inc. (NASDAQ:GCBC) issued its quarterly earnings data 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 trailing twelve-month return on equity of 13.12% and a net margin of 22.04%.

When did Greene County Bancorp's stock split?

Greene County Bancorp's stock split on Tuesday, March 7th 2023.The 2-1 split was announced on Tuesday, March 7th 2023. The newly minted shares were payable 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: 7/08/2025
• 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: 14.24
• 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: 5.70
• Cash Flow: $1.50 per share
• Price / Cash Flow: 15.91
• Book Value: $12.10 per share
• Price / Book: 1.98

Miscellaneous

• Outstanding Shares: 17,030,000
• Free Float: N/A
• Market Cap: $407.53 million
• Optionable: Not Optionable
• Beta: 0.49