Greene County Bancorp, Inc. (GCBC) is a Financials stock trading at $35.02 (as of 2026-09-03), with a market capitalization of $596.23M and a trailing P/E of 15.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
Greene County Bancorp holds The Bank of Greene County, a small U.S. community bank that earns money by lending to homeowners, businesses, and consumers while funding those loans with customer deposits. The balance sheet is deliberately conservative, prioritizing a thick liquidity cushion over maximum lending deployment, which shapes both the yield profile and the risk posture.
Every dollar of profit is the interest spread between what local depositors earn and what borrowers pay, and the 63% loan-to-deposit ratio intentionally leaves a large liquidity buffer that caps the achievable spread but shields the NIM from rate shocks.
Business quality (Strong): Strong: a 37% operating margin and 14% ROE on a conservative balance sheet indicate the community bank is converting its deposit base into earnings efficiently without taking on outsized credit risk.
Valuation: At 16× earnings, GCBC trades 23% above the Banking average (13×).
| Price | $35.02 |
| Market Cap | $596.23M |
| P/E Ratio | 15.8 |
| EV / EBITDA | 10.7 |
| Price / Book | 2.23 |
| Price / Sales | 4.68 |
| FCF Yield | 4.6% |
| DCF Value (model) | $39.60 |
| DCF Upside vs Price | 13.1% |
| Revenue (TTM) | $117.70M |
| Net Margin | 26.5% |
| Revenue Growth (YoY) | 9.4% |
| EPS Growth (YoY) | 31.9% |
| FCF Growth (YoY) | 46.9% |
| Stock P/E | 15.8 |
| Sector P/E (Financials) | 15.2 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | 3.9% |
| vs Industry | 21.5% |
| Top Institutional Holder | BlackRock, Inc. ($15.20M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Donald E. Gibson |
| Employees | 189 |
| Country | US |
| IPO Date | 1999-06-30 |
Data as of 2026-09-03.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.