Greene County Bancorp Inc

Greene County Bancorp Inc (GCBC) Stock Analysis

$35.610

-0.395 (-1.11%)At close

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High
35.890
Open
35.880
VWAP
35.60
Volume
18.78K
Mkt Cap
544.18M
Low
35.300
Amount
668.57K
EV/EBITDA, TTM
0.00

Greene County Bancorp, Inc. is the holding company for Bank of Greene (the Bank), and its subsidiary Greene County Commercial Bank. The Bank is a provider of community-based banking services throughout the Hudson Valley and Capital Region of New York State. The Bank's customers include individuals, businesses, municipalities and other institutions. The Bank's principal business consists of retail, commercial and municipal deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, the Bank invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities. Greene County Commercial Bank is a New York State-chartered limited purpose commercial bank.

AI analysis of Greene County Bancorp Inc (GCBC)

Buy

Greene County Bancorp Inc (GCBC) is a good buy right now due to its solid financial performance and positive market sentiment. The stock is currently priced at $35.61, with a year-to-date change of +63.65%, reflecting strong investor interest. The company also reported a robust net income of $11.34 million for Q4 2026, up from $10.52 million in Q3, indicating consistent profitability. Additionally, the recent dividend increase of 10% to $0.11 per share signals financial health and commitment to shareholder returns. However, a potential risk is the increase in non-performing assets, which rose to $1.5 million, or 0.09% of total assets, suggesting a need for careful monitoring of asset quality.

Valuation Metrics

The current forward P/E ratio for Greene County Bancorp Inc (GCBC) is 13.70, compared to its 5-year average forward P/E of 2.27.

Forward P/E

Strongly Overvalued
5Y Average P/E
2.27
Current P/E
13.70
Overvalued
7.39
Undervalued
-2.85

Forward EV/EBITDA

Strongly Undervalued
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued
0.00
Undervalued
0.00

Forward P/S

Strongly Undervalued
5Y Average P/S
0.00
Current P/S
0.00
Overvalued
0.00
Undervalued
0.00

Alphio AI Price Scenarios for GCBC

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%GCBC

$26.67

Scenario price

B

Base

Base · 50%GCBC

$24.79

Scenario price

B

Bear

Bear · 25%GCBC

$22.39

Scenario price

Events Timeline

2026-04-15 (ET)

10:00:00

Greene County Bancorp Board Approves Stock Repurchase Program for Up to 400,000 Shares

2026-01-21 (ET)

09:30:00

Company Net Interest Income Increases to $19.1 Million

2025-10-21 (ET)

09:30:11

Greene County Bancorp announces Q1 earnings per share of 52 cents, up from 37 cents a year ago.

2025-07-23 (ET)

09:18:44

Greene County Bancorp reports Q4 EPS 55c vs. 40c last year

2025-07-16 (ET)

10:01:28

Greene County Bancorp raises quarterly dividend 11.1% to 10c per share

News

GCBC FAQ — answered by Alphio AI

Greene County Bancorp, Inc. is the holding company for Bank of Greene (the Bank), and its subsidiary Greene County Commercial Bank. The Bank is a provider of community-based banking services throughout the Hudson Valley and Capital Region of New York State. The Bank's customers include individuals, businesses, municipalities and other institutions. The Bank's principal business consists of retail, commercial and municipal deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, the Bank invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities. Greene County Commercial Bank is a New York State-chartered limited purpose commercial bank. It operates in the Financials sector (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED industry).

Greene County Bancorp Inc (GCBC) is a good buy right now due to its solid financial performance and positive market sentiment. The stock is currently priced at $35.61, with a year-to-date change of +63.65%, reflecting strong investor interest. The company also reported a robust net income of $11.34 million for Q4 2026, up from $10.52 million in Q3, indicating consistent profitability. Additionally, the recent dividend increase of 10% to $0.11 per share signals financial health and commitment to shareholder returns. However, a potential risk is the increase in non-performing assets, which rose to $1.5 million, or 0.09% of total assets, suggesting a need for careful monitoring of asset quality.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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