GREENE COUNTY BANCORP INC (GCBC)
Financials · regional banks · NASDAQ
A community-focused, federally chartered bank holding company serving individuals, businesses, and municipalities in New York.
What GREENE COUNTY BANCORP INC does
Greene County Bancorp, Inc. is a federally chartered holding company for the Bank of Greene County, a community bank focused on attracting retail, commercial, and municipal deposits. The company utilizes these funds to invest in residential mortgages, commercial real estate loans, consumer loans, and various securities. It operates through its primary banking subsidiary, a limited-purpose commercial bank subsidiary, and a real estate investment trust.
Recent developments
The company reported record net income of $41.0 million for fiscal year 2026 and was recognized by Bank Director Magazine as a top-performing bank under $5.0 billion in assets. Results were driven by a higher net interest margin achieved through a strategy of focusing on higher-yielding loans and managing deposit costs.
From GREENE COUNTY BANCORP INC's filing of 2026-07-23.
Themes: community banking, mortgage lending, net interest margin management, commercial real estate finance
Fundamentals
- Price$34.34 as of 2026-10-08 close
- Market cap$585M as of 2026-09-08 (share count; price 2026-10-08)
- 1-year return+51.6% 2025-10-08 close $22.65 → 2026-10-08 close $34.34
- P/E14.25 as of 2026-10-08
- ROE+14.8% FY2026, SEC XBRL
- Debt / equity0.11 as of 2026-09-03
- Revenue growth (YoY)+36.4% as of 2026-09-03
- Beta0.54 as of 2026-09-03
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.2%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
How GCBC compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitytop 25% 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2026
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2026)
Covered by reported results. In FY2026, GCBC's dividend was covered by reported results (earnings payout 10%, free-cash-flow payout 10%). This describes past coverage, not a forecast.
- Earnings payout10% dividends / net income
- Free-cash-flow payout10% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2026 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How GREENE COUNTY BANCORP INC looks technically
GREENE COUNTY BANCORP INC (GCBC) is trading 24.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 102 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 7 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 24.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +24.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $34.70 | $34.70 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $27.64 | $27.64 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 102 trading days ago — a "golden cross", a bullish long-term signal | 102 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend) | 12.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 47.7 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($33.08 to $35.85) — its "stochastic" reading is 45 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 45.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $36.33 | $36.33 |
|---|---|---|
| From the 52-week high | it is 5.5% below its 52-week high (its highest price of the past year) | -5.5% |
| Above the 52-week low | it is 61.6% above its 52-week low (its lowest price of the past year) | +61.6% |
| Below the 52-week high | it is 5.5% below its highest point of the past year | 5.5% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day high about 18 trading days ago | 18 sessions |
| All-time high | its highest closing price on record is $44.90 (set on 2022-11-25) | $44.90 |
| Given back of the 52-week move | over the past year its closes ranged ($21.50 to $36.02), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $26.58 to $27.05. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 11.6% |
| From the all-time high | it is 23.5% below its all-time high | -23.5% |
| Nearest price level | it is trading 1.3% above a support level at $33.89 — a price it turned at three times since 2026-07-16, most recently on 2026-09-01. Since 2024-10-08 it has 10 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.3% |
| All-time low | its lowest closing price on record is $0.9219 (set on 2000-04-18) | $0.9219 |
| Above the all-time low | it is 3625.0% above its all-time low | +3,625% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 37th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7549 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.7549 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $33.31 and $36.17 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $33.31 – $34.74 – $36.17 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 8.9 daily ranges above its 200-day average price (24.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 8.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.51× |
|---|
Candlestick patterns
3
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a hammer | 6 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 6 sessions ago |
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | +0.1% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.0 percentage points (the stock lost 0.9% while the market gained 1.0%) | -2.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.5 percentage points (the stock gained 8.3% while the market gained 3.8%) | +4.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 33.0 percentage points (the stock gained 50.5% while the market gained 17.5%) | +33.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 36.6 percentage points (the stock gained 51.6% while the market gained 15.0%) | +36.6% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 7.1% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $30.62 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | +12.2% |
|---|
Price levels it has turned at before
GCBC last closed at $34.34 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $33.89 | Support | 1.3% below the last close | turned there three times · 2026-07-16 to 2026-09-01 |
| $35.48 | Resistance | 3.3% above the last close | turned there four times · 2024-11-07 to 2026-08-24 |
| $36.17 | Resistance | 5.3% above the last close | turned there twice · 2026-07-07 to 2026-09-16 |
| $30.52 | Support | 11.1% below the last close | turned there twice · 2024-10-15 to 2026-06-12 |
| $27.55 | Support | 19.8% below the last close | turned there four times · 2024-10-23 to 2025-02-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · beating the market · Stretched far above its 200-day average (6+ daily ranges) · Trading inside the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["interest rate risk and fluctuations in market prices","credit risk from loan and investment portfolios","operational and cybersecurity risks"]
What changed in the latest 10-Q
AI-assisted comparison of GCBC's 10-Q filed 2026-05-08 against the prior one filed 2026-02-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added in newer filing (2026-05-08): 'In addition to historical information, this quarterly report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which describes the future plans, strategies and expectations of the Company.'
- Added in newer filing (2026-05-08): Extended list of forward-looking statement identifiers including 'estimate,' 'project,' 'contemplate,' 'continue,' 'target' and expanded wording about inherent uncertainties
- Added in newer filing (2026-05-08): Risk factor '(g) the effects of any federal government shutdown'
- Added in newer filing (2026-05-08): Risk factor '(n) and the effects of natural disasters and geopolitical events, including terrorism, conflict and acts of war'
- Removed:
- Removed in older filing (2026-02-06): Opening statement 'Greene County Bancorp, Inc. desires to take advantage of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995 and is including this statement for the express purpose of availing itself of the protections of the safe harbor with respect to all such forward-looking statements.'
- Removed in older filing (2026-02-06): Reference to 'Greene County Bancorp, Inc.' in forward-looking statements section (replaced with 'Company' in newer version)
- Removed in older filing (2026-02-06): Risk factor '(a) changes in general market interest rates'
- Removed in older filing (2026-02-06): Risk factor '(d) continued period of high inflation could adversely impact customers'
- Removed in older filing (2026-02-06): Risk factor '(e) cybersecurity risks' and '(f) bank failures' (restructured in newer filing)
- Removed in older filing (2026-02-06): Risk factor '(g) changes in general business and economic trends'
- Removed in older filing (2026-02-06): Risk factor '(h) legislative and regulatory changes'
- Removed in older filing (2026-02-06): Risk factor '(i) monetary and fiscal policies of the U.S. Treasury and the Federal Reserve'
- Removed in older filing (2026-02-06): Risk factor '(j) changes in the quality or composition of Greene County Bancorp, Inc.'s loan and investment portfolios'
- Removed in older filing (2026-02-06): Risk factor '(k) deposit flows'
- Removed in older filing (2026-02-06): Risk factor '(l) competition'
- Removed in older filing (2026-02-06): Risk factor '(m) demand for financial services in Greene County Bancorp, Inc.'s market area'
- Reworded:
- Forward-Looking Statements section restructured: Older version (2026-02-06) contained specific safe harbor language and enumerated factors; Newer version (2026-05-08) uses more general language with reformulated risk factors (e.g., combining inflation and economic conditions under factor (a), cybersecurity risks incorporated differently under factor (j), regulatory changes generalized under factor (f))
- Risk factor presentation changed from bulleted list format (older) to consolidated narrative format with parenthetical factors (newer)
- Language about 'undue reliance' reworded: Older 'undue reliance should not be placed on such statements' versus Newer 'you should not place undue reliance on such statements'
- Disclaimer statement changed from 'results in future periods may differ materially' (older) to 'inherently subject to significant business, economic and competitive uncertainties and contingencies' (newer)
- Notes:
- The newer filing text appears truncated at the end of the Non-GAAP section, cutting off mid-sentence; comparison of that portion may be incomplete.
- Risk factors were substantially reorganized and consolidated between filings, making direct item-by-item comparison difficult but substantive coverage differs.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 180 days · read to 2026-10-043 buys ($100039) · 1 sell ($287700) — 1 buying, 1 selling insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of GCBC within a 30-day window between 2026-03-02 and 2026-03-18. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Most recent open-market transaction: 2026-06-11. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about GCBC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding GCBC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 869,205
- Reported value $29,196,594
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about GCBC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
GCBC had 191,241 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
GCBC had 1.12% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.81 days to cover at the same settlement.
- Reported short interest (shares) 191,241
- Short interest (% of shares outstanding) 1.12%
- Prior settlement (shares) 203,146
- Reported change -5.86%
- Days to cover (reported) 7.81
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Community Bank System (CBU)
- NBT Bancorp (NBTB)
- Arrow Financial (AROW)
- Ballston Spa Bancorp (BSBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does GREENE COUNTY BANCORP INC (GCBC) do?
Greene County Bancorp, Inc. is a federally chartered holding company for the Bank of Greene County, a community bank focused on attracting retail, commercial, and municipal deposits. The company utilizes these funds to invest in residential mortgages, commercial real estate loans, consumer loans, and various securities. It operates through its primary banking subsidiary, a limited-purpose commercial bank subsidiary, and a real estate investment trust.
What sector is GREENE COUNTY BANCORP INC (GCBC) in?
GREENE COUNTY BANCORP INC (GCBC) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does GCBC pay a dividend?
Yes — GREENE COUNTY BANCORP INC (GCBC) pays a dividend, with an indicated yield of about 1.23% and 5-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are GREENE COUNTY BANCORP INC's (GCBC) competitors?
Notable peers of GREENE COUNTY BANCORP INC (GCBC) include Community Bank System, NBT Bancorp, Arrow Financial and Ballston Spa Bancorp. This peer set is informational only — not financial advice.
Is GREENE COUNTY BANCORP INC (GCBC) overbought or oversold right now?
GREENE COUNTY BANCORP INC (GCBC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on GCBC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.