Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp Statistics

Total Valuation

GCBC has a market cap or net worth of $404.22 million. The enterprise value is $348.41 million.

Market Cap	404.22M
Enterprise Value	348.41M

Important Dates

The next estimated earnings date is Tuesday, October 21, 2025, before market open.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

GCBC has 17.03 million shares outstanding.

Current Share Class	17.03M
Shares Outstanding	17.03M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	5.26%
Owned by Institutions (%)	13.97%
Float	6.91M

Valuation Ratios

The trailing PE ratio is 13.06.

PE Ratio	13.06
Forward PE	n/a
PS Ratio	5.54
Forward PS	n/a
PB Ratio	1.70
P/TBV Ratio	1.70
P/FCF Ratio	14.91
P/OCF Ratio	14.54
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.19
EV / Sales	4.74
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.77

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.80
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.00%.

Return on Equity (ROE)	14.00%
Return on Assets (ROA)	1.06%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$346,358
Profits Per Employee	$146,877
Employee Count	212
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GCBC has paid $3.53 million in taxes.

Income Tax	3.53M
Effective Tax Rate	10.18%

Stock Price Statistics

The stock price has decreased by -20.86% in the last 52 weeks. The beta is 0.49, so GCBC's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	-20.86%
50-Day Moving Average	24.13
200-Day Moving Average	24.83
Relative Strength Index (RSI)	50.94
Average Volume (20 Days)	10,884

Short Selling Information

The latest short interest is 31,664, so 0.19% of the outstanding shares have been sold short.

Short Interest	31,664
Short Previous Month	39,894
Short % of Shares Out	0.19%
Short % of Float	0.46%
Short Ratio (days to cover)	2.57

Income Statement

In the last 12 months, GCBC had revenue of $73.43 million and earned $31.14 million in profits. Earnings per share was $1.83.

Revenue	73.43M
Gross Profit	73.43M
Operating Income	36.04M
Pretax Income	27.19M
Net Income	31.14M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.83

Balance Sheet

The company has $189.24 million in cash and $130.88 million in debt, giving a net cash position of $58.36 million or $3.43 per share.

Cash & Cash Equivalents	189.24M
Total Debt	130.88M
Net Cash	58.36M
Net Cash Per Share	$3.43
Equity (Book Value)	238.84M
Book Value Per Share	14.03
Working Capital	-2.52B

Cash Flow

In the last 12 months, operating cash flow was $27.98 million and capital expenditures -$691,000, giving a free cash flow of $27.29 million.

Operating Cash Flow	27.98M
Capital Expenditures	-691,000
Free Cash Flow	27.29M
FCF Per Share	$1.60

Margins

Gross Margin	n/a
Operating Margin	49.08%
Pretax Margin	47.21%
Profit Margin	42.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.16%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 1.67%.

Dividend Per Share	$0.40
Dividend Yield	1.67%
Dividend Growth (YoY)	12.12%
Years of Dividend Growth	11
Payout Ratio	20.23%
Buyback Yield	n/a
Shareholder Yield	1.67%
Earnings Yield	7.65%
FCF Yield	6.71%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 24, 2023. It was a forward split with a ratio of 2:1.

Last Split Date	Mar 24, 2023
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3