Greene County Bancorp (GCBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Greene County Bancorp

NasdaqCM•Financial Services•Banks - Regional

$35.65+0.58(0.02%)Market closed

Market Cap

$607.84M

P/E

14.8x

P/S

4.2x

P/B

2.2x

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability23/25

Growth21/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.8x5y range 10.0x – 21.4x

Currently near its 20-quarter median.

P/S · 4.2x5y range 2.7x – 7.3x

Currently near its 20-quarter median.

P/B · 2.2x5y range 1.5x – 3.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 26.5% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $607.84M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $145.79M
Q. Revenue: $37.26M
TTM EBITDA: $48.52M
TTM Op. Income: $46.83M
Q. Op. Income: $12.93M
TTM Net Income: $41.02M
Q. Net Income: $11.34M
EPS: $0.666
Shares Out.: $17.02M

$145.79M in TTM revenue grew 9.7% YoY, reaching $37.26M last quarter. TTM EBITDA of $48.52M and TTM operating income of $46.83M show growth is flowing through to the bottom line. TTM net income of $41.02M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.0%
EBITDA Margin: 37.0%
Op. Margin: 34.7%
Net Margin: 30.4%

Op. margin of 34.7% is up 2.9% YoY — cost efficiency is improving. Net margin at 30.4% and gross margin of 67.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.8x
P/S Ratio: 4.2x
P/B Ratio: 2.2x

At 14.8x P/E, the stock trades below typical market levels. P/S of 4.2x and P/B of 2.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 22% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.18B
Cash: $144.91M
Long-Term Debt: $6.17M
Book Value: $277.83M
D/E Ratio: 0.0
Debt/EBITDA: 0.4

With $3.18B in assets and $6.17M in long-term debt, D/E is 0.0and book value is $277.83M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 27% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $18.25M
TTM Free Cash Flow: $41.56M
FCF Margin: 28.5%
FCF / Net Income: 1.0

TTM FCF of $41.56M on $18.25M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.