Greene County Bancorp, Inc. (GCBC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Greene County Bancorp, Inc. (GCBC) trades at $34.00 with AI Score 92/100 (Grade A+). Greene County Bancorp, Inc. is a financial holding company operating The Bank of Greene County, offering a range of banking services in the United States. Market cap: $578.87M, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for GCBC: GCBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GCBC against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
GCBC: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Greene County Bancorp, Inc. (GCBC) Financial Services Profile
Greene County Bancorp, Inc., established in 1889, operates as a community-focused bank in the United States, providing traditional deposit and loan products. With a market capitalization of $578.87M and a dividend yield of 1.63%, the company emphasizes local relationships and steady financial performance.
What Is the Investment Thesis for GCBC?
Greene County Bancorp presents a stable investment profile with a focus on traditional banking operations. The company's P/E ratio of 10.5 suggests a reasonable valuation relative to its earnings. A key value driver is its established presence in the local market, fostering customer loyalty and consistent deposit growth. The dividend yield of 1.63% provides a steady income stream for investors. Growth catalysts include potential expansion within its existing geographic footprint and strategic investments in technology to enhance customer service. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.39 indicates lower volatility compared to the broader market, appealing to risk-averse investors. Investors should monitor the company's ability to maintain its net interest margin and manage credit risk in a changing economic environment.
Based on FMP financials and quantitative analysis
GCBC Key Highlights
- Market capitalization of $578.87M, reflecting its size and market value within the regional banking sector.
- P/E ratio of 10.5, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 27.3%, indicating strong profitability and efficient operations.
- Gross margin of 60.9%, reflecting effective cost management and revenue generation.
- Dividend yield of 1.63%, providing a consistent income stream for investors.
Who Are GCBC's Competitors?
GCBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBT Cabot Corporation | $87.75 | +1.63% | $4.53B | 85 |
| WTFC Wintrust Financial Corporation | $163.51 | +1.44% | $11.03B | 87 |
| FULT Fulton Financial Corporation | $24.26 | +0.63% | $4.64B | 94 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GCBC's Key Strengths?
- Strong local market presence.
- Long-standing customer relationships.
- Conservative lending practices.
- Consistent profitability.
What Are GCBC's Weaknesses?
- Limited geographic diversification.
- Reliance on traditional banking products.
- Smaller size compared to larger regional banks.
- Limited investment in technology.
What Could Drive GCBC Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued investment in digital banking platforms to attract new customers.
- Expansion of commercial lending portfolio to drive revenue growth.
What Are the Key Risks for GCBC?
- Financial-distress signal — its Altman Z-Score of -0.55 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn could lead to increased loan defaults.
- Competition from larger banks could erode market share.
- Regulatory changes could increase compliance costs.
- Interest rate volatility could impact net interest margin.
What Are the Growth Opportunities for GCBC?
- Expansion within Existing Footprint: Greene County Bancorp can grow by expanding its services and presence within its current geographic markets. This includes opening new branches in underserved areas and increasing market share through targeted marketing and community outreach. The market for community banking in the United States is estimated at over $500 billion in assets, providing ample opportunity for growth. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can attract younger customers and improve customer convenience. This includes offering online account opening, mobile check deposit, and enhanced online bill payment services. The digital banking market is projected to reach $1.2 trillion by 2030, presenting a significant growth opportunity. Timeline: Ongoing.
- Commercial Lending Growth: Expanding its commercial lending portfolio can drive revenue growth and diversify its loan book. This includes targeting small and medium-sized businesses in its region with tailored loan products and services. The market for commercial loans in the United States is estimated at over $3 trillion. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management and financial planning services can generate fee income and deepen customer relationships. This includes providing investment advice, retirement planning, and estate planning services. The wealth management market is projected to reach $110 trillion globally by 2030. Timeline: Ongoing.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller banks or financial institutions can expand its market share and geographic reach. This includes targeting banks with complementary business lines and customer bases. The market for bank mergers and acquisitions is cyclical, with opportunities arising during periods of economic consolidation. Timeline: Ongoing.
What Opportunities Does GCBC Have?
- Expansion within existing markets.
- Growth in commercial lending.
- Investment in digital banking platforms.
- Strategic acquisitions.
What Threats Does GCBC Face?
- Competition from larger regional and national banks.
- Interest rate sensitivity.
- Economic downturns.
- Regulatory changes.
What Are GCBC's Competitive Advantages?
- Strong local presence and brand recognition.
- Long-standing relationships with customers in its region.
- Community-focused approach to banking.
- Conservative lending practices and risk management.
What Does GCBC Do?
Greene County Bancorp, Inc., headquartered in Catskill, New York, is the holding company for The Bank of Greene County. Founded in 1889, the bank has a long history of serving the financial needs of individuals and businesses in its region. The Bank of Greene County offers a comprehensive suite of financial services, including traditional deposit products such as savings accounts, NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement accounts. The company's loan portfolio is diversified, encompassing residential mortgage loans, construction and land loans, multifamily mortgage loans, commercial real estate mortgage loans, and consumer loans. Consumer loans include loans on new and used automobiles, personal loans, home equity loans, passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts, as well as commercial loans. As of June 30, 2021, Greene County Bancorp operated 17 full-service banking offices. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC. The bank's strategy focuses on building strong customer relationships and providing personalized service, contributing to its established presence in the communities it serves. The company's consistent profitability, reflected in its profit margin of 27.3%, underscores its effective management and operational efficiency.
What Products and Services Does GCBC Offer?
- Provides traditional banking services to individuals and businesses.
- Offers a variety of deposit products, including savings, checking, and money market accounts.
- Provides residential, construction, and commercial real estate mortgage loans.
- Offers consumer loans, such as auto loans, personal loans, and home equity loans.
- Provides commercial loans to businesses.
- Operates 17 full-service banking offices.
How Does GCBC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages its loan portfolio to minimize credit risk.
- Invests in technology to improve efficiency and customer service.
What Industry Does GCBC Operate In?
Greene County Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with banks increasingly investing in technology to enhance customer experience and operational efficiency. The regional banking sector is also subject to regulatory scrutiny and capital requirements. The competitive landscape includes larger national banks, other regional banks, and credit unions. Greene County Bancorp differentiates itself through its community focus, personalized service, and long-standing relationships with local customers. The company's success depends on its ability to adapt to changing market conditions, manage credit risk, and maintain a strong net interest margin.
Who Are GCBC's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking services.
- Real estate developers and investors seeking mortgage financing.
- Consumers seeking auto loans and other personal loans.
ROE 15%Key Financial Metrics
Return on equity for Greene County Bancorp, Inc. stands at 15.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. GCBC trades at a trailing price-to-earnings ratio of 10.53, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.18 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
Greene County Bancorp, Inc. (GCBC) Valuation Context
Valued at $578.87M, GCBC is classified as a small-cap stock. Relative to its peer group, GCBC's quantitative score of 92/100 is above the peer average of 81/100.
Company Profile
Greene County Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Catskill, US. The company is led by CEO Donald E. Gibson. GCBC has traded publicly since 1999.
F-Score 7/9Financial Health
Greene County Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.55 places it in the distress zone, a signal of elevated financial risk.
GCBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local market presence.
- Long-standing customer relationships.
- Conservative lending practices.
- Consistent profitability.
Bear Case
- Limited geographic diversification.
- Reliance on traditional banking products.
- Smaller size compared to larger regional banks.
- Limited investment in technology.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
GCBC Latest News
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List of Companies Reaching Yearly Lows Tuesday
· Jul 23, 2019
GCBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GCBC.
Price Targets
Wall Street price target analysis for GCBC.
GCBC MoonshotScore
What does this score mean?
The MoonshotScore rates GCBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Donald E. Gibson
CEO
Donald E. Gibson serves as the CEO of Greene County Bancorp, Inc., leading the company's strategic direction and overseeing its day-to-day operations. His career in the banking industry spans several decades, with experience in various roles, including lending, operations, and management. He has been with Greene County Bancorp for a significant period, demonstrating his commitment to the organization and its community. Mr. Gibson's expertise in community banking and his deep understanding of the local market have been instrumental in the company's success.
Track Record: Under Donald E. Gibson's leadership, Greene County Bancorp has maintained its strong financial performance and community focus. Key achievements include consistent profitability, growth in assets, and expansion of its branch network. He has also overseen the implementation of new technologies to improve customer service and operational efficiency. His strategic decisions have contributed to the company's stability and long-term growth.
What Investors Ask About Greene County Bancorp, Inc. (GCBC) — Financial Services
What does Greene County Bancorp, Inc. do?
Greene County Bancorp, Inc. operates as the holding company for The Bank of Greene County, a community-focused bank providing a range of financial services to individuals and businesses in the United States. The bank offers traditional deposit products, including savings, checking, and money market accounts, as well as a variety of loan products, such as residential mortgages, commercial real estate loans, and consumer loans. With 17 full-service banking offices, the company focuses on building strong customer relationships and providing personalized service within its regional footprint.
What do analysts say about GCBC stock?
Analyst coverage of Greene County Bancorp, Inc. is limited, reflecting its smaller size and regional focus. Key valuation metrics include its P/E ratio of 10.5 and dividend yield of 1.63%. Growth considerations include its ability to expand its commercial lending portfolio and invest in digital banking platforms. Investors should monitor the company's net interest margin, credit quality, and operating efficiency. Analyst consensus is generally neutral, with a focus on the company's stable financial performance and community-focused approach.
What are the main risks for GCBC?
Greene County Bancorp, Inc. faces several risks, including interest rate sensitivity, competition from larger banks, and potential economic downturns. Rising interest rates could negatively impact its net interest margin, while increased competition could erode market share. An economic downturn could lead to increased loan defaults and reduced profitability. The company also faces regulatory risks and compliance costs. Effective risk management and strategic planning are essential for mitigating these risks and ensuring long-term success.
What is Greene County Bancorp, Inc.'s credit quality and risk management approach?
Greene County Bancorp, Inc. maintains a conservative approach to credit quality and risk management. The company's loan portfolio is diversified across various asset classes, including residential mortgages, commercial real estate loans, and consumer loans. The bank's provision levels are adequate to cover potential loan losses. Risk management frameworks include regular monitoring of loan performance, stress testing, and adherence to regulatory guidelines. The company's conservative lending practices and strong credit culture contribute to its stable financial performance.
What regulatory challenges does Greene County Bancorp, Inc. face?
Greene County Bancorp, Inc. faces regulatory challenges common to the banking industry, including capital requirements, compliance costs, and oversight from federal and state regulators. The company must comply with regulations related to anti-money laundering, consumer protection, and data security. Regulatory changes can increase compliance costs and require adjustments to business practices. Effective compliance management is essential for maintaining a strong regulatory standing and avoiding penalties.
What are the key factors to evaluate for GCBC?
Greene County Bancorp, Inc. (GCBC) holds an AI score of 92/100 (high). P/E: 10.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does GCBC data refresh on this page?
GCBC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GCBC's recent stock price performance?
Greene County Bancorp, Inc. (GCBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local market presence. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage may impact the availability of detailed financial analysis.
- Forward-looking statements are subject to risks and uncertainties.