A Business at a Glance
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GREENE COUNTY BANCORP INC
GCBC
$569M
Mkt Cap
$33.42
+2.26%
GREENE COUNTY BANCORP INC (GCBC) has a current P/E ratio of 15.5, compared to its historical median P/E of 13.5. The stock is currently considered Fair based on its historical valuation range.
GREENE COUNTY BANCORP INC (GCBC) has a 5-year average return on invested capital (ROIC) of 16.0%. This indicates strong capital allocation and a potential competitive advantage.
GREENE COUNTY BANCORP INC (GCBC) has a market capitalization of $569M. It is classified as a small-cap stock.
Yes, GREENE COUNTY BANCORP INC (GCBC) pays a dividend with a trailing twelve-month yield of 0.52%.
Based on historical P/E analysis, GREENE COUNTY BANCORP INC (GCBC) appears fair. The current P/E of 15.5 is 15% above its historical median of 13.5. The estimated fair value CAGR (P/E method) is 9.1%.
GREENE COUNTY BANCORP INC (GCBC) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
GREENE COUNTY BANCORP INC (GCBC) reported annual revenue of $133 million in its most recent fiscal year, based on SEC EDGAR filings.
Greene County Bancorp, MHC and Greene County Bancorp, Inc. Greene County Bancorp, MHC was formed in December 1998 as part of the Bank of Greene County's mutual holding company reorganization. In 2001, Greene County Bancorp, MHC converted from a state to a federal charter. The Federal Reserve Board regulates Greene County Bancorp, MHC. Greene County Bancorp, MHC owns 54.1% of the issued and outstanding common stock of Greene County Bancorp, Inc. The remaining shares of Greene County Bancorp, Inc. are owned by public stockholders and the Bank of Greene County’s Employee Stock Ownership Plan. At June 30, 2025, Greene County Bancorp, Inc.’s assets consisted primarily of its investment in the Bank of Greene County, cash and securities. At June 30, 2025, 7,808,300 shares of Greene County Bancorp, Inc.’s common stock, par value $0.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 84M | 133M | 118M | 97M | 76M | 68M |
| Net Income | 37M | 31M | 25M | 31M | 28M | 24M |
| EPS | $2.15 | $1.83 | $1.45 | $1.81 | $0.82 | $1.41 |
| Free Cash Flow | 33M | 27M | 23M | 27M | 34M | 26M |
| ROIC | 14.2% | 14.0% | 12.7% | 18.1% | 18.2% | 17.2% |
| Gross Margin | - | 57.6% | 57.1% | 78.2% | 88.5% | 86.5% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $0.17 | $0.36 | $0.19 | $0.13 | $0.08 | $0.14 |
| Operating Income | 2.8M | 2.9M | 1.4M | 36M | 33M | 28M |
| Operating Margin | 3.3% | 2.2% | 1.2% | 37.0% | 43.5% | 40.6% |
| ROE | 14.2% | 14.0% | 12.7% | 18.1% | 18.2% | 17.2% |
| Shares Outstanding | 17M | 17M | 17M | 17M | 34M | 17M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 29M | 31M | 35M | 40M | 46M | 55M | 62M | 68M | 76M | 97M | 118M | 133M | 84M |
| Gross Margin | 86.6% | 87.7% | 87.8% | 87.5% | 88.1% | 85.4% | 80.0% | 86.5% | 88.5% | 78.2% | 57.1% | 57.6% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 9.3M | 9.9M | 10M | 12M | 13M | 15M | 17M | 19M | 21M | 23M | 24M | 24M | 25M |
| EBIT | 637K | 720K | 781K | 761K | 804K | 937K | 1.1M | 28M | 33M | 36M | 1.4M | 2.9M | 2.8M |
| Op. Margin | 2.2% | 2.3% | 2.2% | 1.9% | 1.7% | 1.7% | 1.7% | 40.6% | 43.5% | 37.0% | 1.2% | 2.2% | 3.3% |
| Net Income | 6.5M | 7.2M | 9.0M | 11M | 14M | 17M | 19M | 24M | 28M | 31M | 25M | 31M | 37M |
| Net Margin | 22.5% | 22.9% | 25.8% | 28.0% | 31.0% | 32.0% | 30.2% | 35.2% | 37.0% | 31.8% | 21.1% | 23.4% | 43.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 11.1% | 11.2% | 12.7% | 14.2% | 16.0% | 16.8% | 15.5% | 17.2% | 18.2% | 18.1% | 12.7% | 14.0% | 14.2% |
| ROE | 11.1% | 11.2% | 12.7% | 14.2% | 16.0% | 16.8% | 15.5% | 17.2% | 18.2% | 18.1% | 12.7% | 14.0% | 14.2% |
| ROA | 1.0% | 1.0% | 1.1% | 1.2% | 1.4% | 1.4% | 1.3% | 1.2% | 1.2% | 1.2% | 0.9% | 1.1% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 11M | 13M | 14M | 14M | 21M | 22M | 27M | 28M | 35M | 28M | 25M | 28M | 34M |
| Free Cash Flow | 11M | 12M | 13M | 14M | 20M | 21M | 26M | 26M | 34M | 27M | 23M | 27M | 33M |
| Owner Earnings | 11M | 12M | 13M | 13M | 20M | 21M | 26M | 27M | 35M | 27M | 24M | 27M | 21M |
| CapEx | 575K | 753K | 290K | 76K | 324K | 589K | 1.1M | 1.3M | 1.1M | 1.5M | 1.5M | 691K | 968K |
| Maint. CapEx | 617K | 545K | 629K | 637K | 635K | 638K | 713K | 775K | 826K | 871K | 928K | 1.1M | 13M |
| Growth CapEx | 0 | 208K | 0 | 0 | 0 | 0 | 403K | 479K | 225K | 666K | 578K | 0 | 0 |
| D&A | 617K | 545K | 629K | 637K | 635K | 638K | 713K | 775K | 826K | 871K | 928K | 1.1M | 13M |
| CapEx/OCF | 5.1% | 5.9% | 2.1% | 0.5% | 1.6% | 2.7% | 4.2% | 4.5% | 3.0% | 5.5% | 6.0% | 2.5% | 2.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.3M | 1.8M | 1.9M | 1.9M | 1.5M | 2.0M | 2.2M | 2.4M | 2.6M | 2.2M | 3.2M | 4.5M | 3.0M |
| Dividend Yield | 1.5% | 0.9% | 1.6% | 1.2% | 0.6% | 0.8% | 1.1% | 1.2% | 0.4% | 0.5% | 0.7% | 1.0% | 0.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 631K | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 0.4% | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 27K | 16K | 6K | 51K | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 7.5M | 20M | 3.2M | 19M | 6.9M | 8.0M | 18M | 15M | 3.0M | 0 | 0 | 34M | 34M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -541M | -477M | -478M | -540M | -539M | -536M |
| Cash & Equiv. | N/A | N/A | N/A | 16M | 27M | 30M | 40M | 150M | 69M | 196M | 190M | 183M | 536M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | N/A | N/A | N/A |
| Debt/Equity | 10.02 | 10.04 | 10.69 | 10.76 | 10.97 | 10.30 | 12.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.2 |
| Equity | 61M | 67M | 74M | 84M | 96M | 112M | 129M | 150M | 158M | 183M | 206M | 239M | 258M |
| Total Assets | 674M | 739M | 869M | 982M | 1.2B | 1.3B | 1.7B | 2.2B | 2.6B | 2.7B | 2.8B | 3.0B | 3.1B |
| Total Liabilities | 613M | 672M | 794M | 899M | 1.1B | 1.2B | 1.5B | 2.1B | 2.4B | 2.5B | 2.6B | 2.8B | 2.9B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 51M | 57M | 64M | 73M | 86M | 102M | 118M | 140M | 165M | 194M | 215M | 241M | 259M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.39 | 0.21 | 0.53 | 0.66 | 0.85 | 1.03 | 1.10 | 1.41 | 0.82 | 1.81 | 1.45 | 1.83 | 2.15 |
| Owner EPS | 0.63 | 0.36 | 0.77 | 0.78 | 1.18 | 1.23 | 1.53 | 1.58 | 1.01 | 1.60 | 1.40 | 1.58 | 1.23 |
| Book Value | 3.61 | 1.98 | 4.39 | 4.89 | 5.64 | 6.59 | 7.57 | 8.78 | 4.62 | 10.78 | 12.06 | 14.04 | 15.17 |
| Cash Flow/Share | 0.67 | 0.38 | 0.80 | 0.82 | 1.21 | 1.27 | 1.57 | 1.63 | 1.04 | 1.65 | 1.46 | 1.64 | 2.91 |
| Dividends/Share | 0.08 | 0.05 | 0.11 | 0.11 | 0.09 | 0.12 | 0.13 | 0.14 | 0.08 | 0.13 | 0.19 | 0.36 | 0.17 |
| Shares Out. | 17.0M | 33.8M | 16.9M | 17.1M | 17.1M | 17.1M | 17.0M | 17.0M | 34.1M | 17.0M | 17.1M | 17.0M | 17.0M |
| Valuation | |||||||||||||
| P/E Ratio | 14.3 | 14.2 | 13.1 | 17.9 | 17.6 | 13.1 | 9.4 | 9.4 | 13.8 | 16.6 | 22.8 | 12.4 | 15.6 |
| P/FCF | 8.6 | 17.0 | 8.9 | 14.3 | 12.4 | 10.9 | 6.9 | 8.5 | 22.5 | 19.2 | 24.1 | 14.2 | 17.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | 181.2 | 7.0 | N/A | N/A | N/A | N/A | 12.0 |
| Price/Book | 1.5 | 1.5 | 1.6 | 2.4 | 2.6 | 2.0 | 1.4 | 1.5 | 2.4 | 2.8 | 2.7 | 1.6 | 2.2 |
| Price/Sales | 3.3 | 3.4 | 3.6 | 4.2 | 5.6 | 5.1 | 3.8 | 3.1 | 4.5 | 6.1 | 7.2 | 6.2 | 6.8 |
| FCF Yield | 11.6% | 11.8% | 11.3% | 7.0% | 8.0% | 9.2% | 14.5% | 11.7% | 8.9% | 5.2% | 4.2% | 7.1% | 5.8% |
| Market Cap | 93M | 102M | 118M | 200M | 253M | 228M | 176M | 226M | 386M | 511M | 564M | 387M | 569M |
| Avg. Price | 5.18 | 5.82 | 6.79 | 9.10 | 13.96 | 14.39 | 12.06 | 11.49 | 18.47 | 26.21 | 27.50 | 27.28 | 33.42 |
| Year-End Price | 5.49 | 6.05 | 6.97 | 11.70 | 14.85 | 13.38 | 10.36 | 13.26 | 22.62 | 30.06 | 33.00 | 22.73 | 33.42 |
GREENE COUNTY BANCORP INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
GREENE COUNTY BANCORP INC trades at 15.5x trailing earnings, compared to its 15-year median P/E of 13.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 17.3x vs a median of 13.3x. The company's 5-year average ROIC is 16.0% with a gross margin of 73.6%. Total shareholder yield (dividends) is 0.5%. At current prices, the estimated annualized return to fair value is +2.2%.
GREENE COUNTY BANCORP INC (GCBC) has a net profit margin of 23.4%. This is a strong margin indicating high profitability.
GREENE COUNTY BANCORP INC (GCBC) generated $27 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
GREENE COUNTY BANCORP INC (GCBC) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
GREENE COUNTY BANCORP INC (GCBC) reported earnings per share (EPS) of $1.83 in its most recent fiscal year.
GREENE COUNTY BANCORP INC (GCBC) has a return on equity (ROE) of 14.0%. This indicates moderate shareholder returns.
GREENE COUNTY BANCORP INC (GCBC) has a 5-year average gross margin of 73.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for GREENE COUNTY BANCORP INC (GCBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
GREENE COUNTY BANCORP INC (GCBC) has a book value per share of $14.04, based on its most recent annual SEC filing.