GREENE COUNTY BANCORP INC (GCBC)
Financials · Community Banking / Regional Banking · NASDAQ
A regional bank serving Greene County with a diverse loan portfolio and growing deposit base, generating strong profitability and net interest income.
What GREENE COUNTY BANCORP INC does
Greene County Bancorp, Inc. is a community bank holding company that operates through its subsidiary bank, providing traditional banking services including deposits (noninterest-bearing and interest-bearing), loans, and investment services to individuals and businesses. The company generates revenue through net interest income from its loan portfolio and securities holdings, as well as noninterest income from service charges, debit card fees, investment services, and bank-owned life insurance. As of March 31, 2026, the company had approximately $3.18 billion in total assets, with loans receivable of $1.75 billion and total deposits of $2.77 billion.
Themes: ["community banking","net interest income","regional deposit gathering","loan portfolio growth","retail banking services"]
Fundamentals
- Price$32.05 as of 2026-07-09 close
- Market cap$538M as of 2026-07-10
- 1-year return+31.0% as of 2026-07-09 close
- P/E13.78 as of 2026-07-10
- Net margin+39.6% as of 2026-07-10
- ROE+15.4% as of 2026-07-10
- Debt / equity0.11 as of 2026-07-10
- Revenue growth (YoY)+36.4% as of 2026-07-10
- Beta0.41 as of 2026-07-10
Dividend: yield +1.3%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk exposure: allowance for credit losses increased from $20.1 million to $21.8 million, indicating management awareness of loan portfolio risk","Interest rate and duration risk: significant holdings in securities available-for-sale ($370.2 million) and held-to-maturity securities ($814.3 million) expose the company to interest rate fluctuations and mark-to-market losses","Funding and liquidity risk: reliance on deposits for funding, with $2.77 billion in total deposits and short-term borrowings of $73.2 million as of March 31, 2026"]
Competitors & peers
- Berkshire Bank
- Flushing Bank
- Tompkins Financial Corporation
- Chemung Financial Corporation
- Pcsb Financial Corporation
- Dime Community Bancshares
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.