Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp Statistics

Total Valuation

GCBC has a market cap or net worth of $393.32 million. The enterprise value is $288.12 million.

Market Cap	393.32M
Enterprise Value	288.12M

Important Dates

The next estimated earnings date is Wednesday, January 21, 2026, before market open.

Earnings Date	Jan 21, 2026
Ex-Dividend Date	Nov 14, 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 (%)	5.19%
Owned by Institutions (%)	14.22%
Float	6.92M

Valuation Ratios

The trailing PE ratio is 11.62.

PE Ratio	11.62
Forward PE	n/a
PS Ratio	5.06
Forward PS	n/a
PB Ratio	1.58
P/TBV Ratio	1.58
P/FCF Ratio	12.35
P/OCF Ratio	12.00
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.54
EV / Sales	3.72
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.05

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.77
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.53%.

Return on Equity (ROE)	14.53%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$365,274
Profits Per Employee	$159,184
Employee Count	212
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GCBC has paid $4.42 million in taxes.

Income Tax	4.42M
Effective Tax Rate	11.58%

Stock Price Statistics

The stock price has decreased by -20.91% in the last 52 weeks. The beta is 0.40, so GCBC's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	-20.91%
50-Day Moving Average	22.36
200-Day Moving Average	23.18
Relative Strength Index (RSI)	55.76
Average Volume (20 Days)	10,860

Short Selling Information

The latest short interest is 51,495, so 0.30% of the outstanding shares have been sold short.

Short Interest	51,495
Short Previous Month	49,774
Short % of Shares Out	0.30%
Short % of Float	0.74%
Short Ratio (days to cover)	3.26

Income Statement

In the last 12 months, GCBC had revenue of $77.44 million and earned $33.75 million in profits. Earnings per share was $1.98.

Revenue	77.44M
Gross Profit	77.44M
Operating Income	39.58M
Pretax Income	38.17M
Net Income	33.75M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.98

Balance Sheet

The company has $161.65 million in cash and $56.45 million in debt, giving a net cash position of $105.20 million or $6.18 per share.

Cash & Cash Equivalents	161.65M
Total Debt	56.45M
Net Cash	105.20M
Net Cash Per Share	$6.18
Equity (Book Value)	248.18M
Book Value Per Share	14.58
Working Capital	-2.54B

Cash Flow

In the last 12 months, operating cash flow was $32.78 million and capital expenditures -$940,000, giving a free cash flow of $31.84 million.

Operating Cash Flow	32.78M
Capital Expenditures	-940,000
Free Cash Flow	31.84M
FCF Per Share	$1.87

Margins

Gross Margin	n/a
Operating Margin	51.12%
Pretax Margin	49.28%
Profit Margin	43.58%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	41.11%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 1.74%.

Dividend Per Share	$0.40
Dividend Yield	1.74%
Dividend Growth (YoY)	11.76%
Years of Dividend Growth	11
Payout Ratio	19.19%
Buyback Yield	n/a
Shareholder Yield	1.73%
Earnings Yield	8.58%
FCF Yield	8.09%

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