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Greene County Bancorp, Inc. (GCBC)

Financial Services | Banks - Regional | Catskill, United States | NasdaqCM
32.84 USD +0.77 (2.401%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 2:45 a.m. EDT

The most compelling signal here is the robust recovery of the business fundamentals, which have decisively reversed a recent annual decline. While the stock dipped last year, the underlying company is showing exceptional resilience with revenue growing 23% and earnings surging 31%, alongside a healthy 15.7% return on equity. This operational strength is reflected in the price action, which has climbed significantly over the trailing 200 days, suggesting the market is already pricing in a return to form. However, the short-term outlook remains cautious due to a recent gap-down event and a weak statistical forecast model that indicates low confidence in immediate price direction. For the long term, the combination of double-digit growth, a fortress-like balance sheet relative to its size, and a solid competitive position in regional banking warrants a strong buy rating, despite the lack of analyst consensus. On the income side, the yield is modest and the payout ratio, while sustainable, does not offer a compelling income advantage compared to inflation, making it a growth story rather than a yield play.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.118164
AutoARIMA0.132321
MSTL0.132354
AutoETS0.132696

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 40%
H-stat 45.19
Ljung-Box p 0.000
Jarque-Bera p 0.098
Excess Kurtosis -0.50
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-14
Last Dividend Date 2026-05-14
Revenue per Share 5.077
Market Cap 559,116,928
Trailing P/E 14.34
Beta 0.39
Profit Margins 45.14%
Website https://www.thebankofgreenecounty.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.40% 1.70% 1.34% 1.31%
Dividend History
Date Dividend Yield %
2026-05-15 0.10000 0.403226
2026-02-13 0.10000 0.420521
2025-11-14 0.10000 0.450653
2025-08-15 0.10000 0.421053
2025-05-16 0.09000 0.386100
2025-02-14 0.09000 0.328467
2024-11-15 0.09000 0.269865
2024-08-15 0.09000 0.285081
2024-05-14 0.08000 0.256164
2024-02-14 0.08000 0.259067
2023-11-14 0.08000 0.316832
2023-08-11 0.08000 0.222903
2023-05-12 0.07000 0.377766
2023-02-10 0.07000 0.287415
2022-11-14 0.07000 0.201439
2022-08-12 0.07000 0.276954
2022-05-12 0.06500 0.253115
2022-02-14 0.06500 0.335917
2021-11-12 0.06500 0.377358
2021-08-13 0.06500 0.422215
2021-05-13 0.06000 0.462250
2021-02-11 0.06000 0.489796
2020-11-12 0.06000 0.489596
2020-08-13 0.06000 0.554273
2020-05-14 0.05500 0.536324
2020-02-13 0.05500 0.379441
2019-11-14 0.05500 0.400729
2019-08-14 0.05500 0.415094
2019-05-14 0.05000 0.325309
2019-02-14 0.05000 0.316156
2018-11-14 0.05000 0.316756
2018-08-14 0.05000 0.292826
2018-05-14 0.04900 0.313099
2018-02-14 0.04900 0.278409
2017-11-14 0.04900 0.330523
2017-08-11 0.04900 0.404124
2017-05-11 0.04750 0.407725
2017-02-13 0.04750 0.416667
2016-11-10 0.04750 0.493506
2016-08-11 0.04750 0.571945
2016-05-12 0.04650 0.523944
2016-02-10 0.04625 0.560436
2015-11-10 0.04625 0.637931
2015-08-12 0.04625 0.675429
2015-05-13 0.04500 0.642857
2015-02-11 0.04500 0.610169
2014-11-12 0.04500 0.710900
2014-08-13 0.04500 0.676692
2014-05-13 0.04375 0.677769
2014-02-12 0.04375 0.680934
2013-11-13 0.04375 0.625000
2013-08-13 0.04375 0.783699
2013-05-13 0.04375 0.866337
2013-02-13 0.04375 0.797266
2012-11-13 0.04375 0.823529
2012-08-13 0.04375 0.928875
2012-05-11 0.04375 0.945946
2012-02-13 0.04375 1.006905
2011-11-10 0.04375 0.985915
2011-08-11 0.04375 0.897436
2011-05-11 0.04375 1.007484
2011-02-11 0.04375 0.983699
2010-11-09 0.09375 2.027027
2010-08-11 0.04375 1.071647
2010-05-12 0.04375 1.011561
2010-02-10 0.04250 1.093248
2009-11-10 0.04250 1.184669
2009-08-12 0.04250 1.214286
2009-05-13 0.04250 1.260193
2009-02-11 0.04250 1.504425
2008-11-12 0.04250 1.478261
2008-08-13 0.04250 1.386623
2008-05-13 0.04000 1.265823
2008-02-13 0.03750 1.224490
2007-11-13 0.03500 1.166667
2007-08-13 0.06250 2.000000
2007-02-13 0.06250 1.675603
2006-08-11 0.05750 1.533333
2006-02-13 0.05750 1.533333
2005-08-11 0.05500 1.157895
2005-02-11 0.05500 1.271309
2004-08-12 0.05250 1.293502
2004-02-11 0.05000 1.174398
2003-08-13 0.04500 1.411765
2003-02-12 0.04250 1.787592
2002-08-13 0.04000 1.802817
2002-02-13 0.03500 1.656805
2001-08-13 0.03125 1.901141
2001-02-13 0.01500 1.200000
2000-07-28 0.01500 1.411765
Additional Data
dividendRate 0.4
dividendYield 1.22
exDividendDate 2026-05-15
trailingAnnualDividendRate 0.4
trailingAnnualDividendYield 0.012472716
lastDividendValue 0.1
lastDividendDate 2026-05-15
dividendDate 2026-05-29

Info Dump

Attribute Value
52 Week Change 0.28177452
Address1 302 Main Street
Address2 P.O. Box 470
All Time High 44.895
All Time Low 0.921875
Ask 41.92
Ask Size 2
Audit Risk 9
Average Daily Volume10 Day 85,430
Average Daily Volume3 Month 33,973
Average Volume 33,973
Average Volume10Days 85,430
Beta 0.389
Bid 23.58
Bid Size 2
Board Risk 9
Book Value 15.716
City Catskill
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 32.84
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 33.16
Day Low 31.93
Display Name Greene County Bancorp
Dividend Date 1,780,012,800
Dividend Rate 0.4
Dividend Yield 1.22
Earnings Growth 0.315
Earnings Quarterly Growth 0.306
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,784,836,800
Earnings Timestamp Start 1,784,836,800
Ebitda Margins 0.0
Enterprise To Revenue 6.071
Enterprise Value 524,798,912
Eps Trailing Twelve Months 2.29
Esg Populated 0
Ex Dividend Date 1,778,803,200
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 27.6932
Fifty Day Average Change 5.146801
Fifty Day Average Change Percent 0.18585072
Fifty Two Week Change Percent 28.177452
Fifty Two Week High 36.02
Fifty Two Week High Change -3.1800003
Fifty Two Week High Change Percent -0.08828429
Fifty Two Week Low 21.25
Fifty Two Week Low Change 11.59
Fifty Two Week Low Change Percent 0.54541177
Fifty Two Week Range 21.25 - 36.02
Financial Currency USD
First Trade Date Milliseconds 930,749,400,000
Five Year Avg Dividend Yield 1.26
Float Shares 6,915,752
Full Exchange Name NasdaqCM
Full Time Employees 190
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 86,440,000
Has Pre Post Market Data 1
Held Percent Insiders 0.59363
Held Percent Institutions 0.13947
Implied Shares Outstanding 17,025,485
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,778,803,200
Last Dividend Value 0.1
Last Fiscal Year End 1,751,241,600
Last Split Date 1,679,616,000
Last Split Factor 2:1
Long Business Summary Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
Long Name Greene County Bancorp, Inc.
Market us_market
Market Cap 559,116,928
Market State PRE
Max Age 86,400
Message Board Id finmb_395582
Most Recent Quarter 1,774,915,200
Net Income To Common 39,017,000
Next Fiscal Year End 1,782,777,600
Non Diluted Market Cap 546,007,303
Open 32.45
Operating Cashflow 37,262,000
Operating Margins 0.53478
Overall Risk 9
Payout Ratio 0.1703
Peg Ratio 1.83
Phone 518 943 2600
Previous Close 32.07
Price Hint 2
Price To Book 2.0895903
Price To Sales Trailing12 Months 6.468266
Profit Margins 0.45138
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.77
Regular Market Change Percent 2.401
Regular Market Day High 33.16
Regular Market Day Low 31.93
Regular Market Day Range 31.93 - 33.16
Regular Market Open 32.45
Regular Market Previous Close 32.07
Regular Market Price 32.84
Regular Market Time 1,783,972,801
Regular Market Volume 39,041
Return On Assets 0.012610001
Return On Equity 0.15713
Revenue Growth 0.234
Revenue Per Share 5.077
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 17,025,485
Shares Percent Shares Out 0.0086
Shares Short 147,180
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 52,949
Short Name Greene County Bancorp, Inc.
Short Percent Of Float 0.024300002
Short Ratio 2.35
Source Interval 15
State NY
Symbol GCBC
Total Cash 144,498,000
Total Cash Per Share 8.487
Total Debt 110,180,000
Total Revenue 86,440,000
Tradeable 0
Trailing Annual Dividend Rate 0.4
Trailing Annual Dividend Yield 0.012472716
Trailing Eps 2.29
Trailing P E 14.340611
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 24.0233
Two Hundred Day Average Change 8.8167
Two Hundred Day Average Change Percent 0.36700618
Type Disp Equity
Volume 39,041
Website https://www.thebankofgreenecounty.com
Zip 12,414