Companies ›Financials ›GCBC.O

GCBC.O — NASDAQ Banks

Gcbc.O

$34,20

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Last 30 days

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Mcap

292,0M USD

P/E

7,0x

EV / Rev

—

Div yield

1,18 %

Op margin

—

ROE

27,7 %

Net margin

51,8 %

Debt / equity

—

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$33,84

Open

—

Next earnings

2026-08-09

Ex-dividend

—

TR 1Y

—

About

Greene County Bancorp Inc operates as a financial institution within the banking sector, generating revenue through interest income and fee-based services.

Business. Greene County Bancorp Inc operates as a financial institution within the banking sector, generating revenue through interest income and fee-based services.

Classification85 %

SectorFinancials

Industry groupBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

EarningsFY 2026 earnings (expected)2026-08-09 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation→

7,0x

P/E

Analysts

—

not yet wired

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

27,7 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning GCBC.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to GCBC.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsFY 2026 earnings (expected)2026-08-09 · estimated
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Greene County Bancorp Inc operates as a financial institution within the banking sector, generating revenue through interest income and fee-based services.

Classification85 %

SectorFinancials

Industry groupBanks

AI synthesis

GENERATED

(a) Capital structure and liquidity: The company maintains a market capitalization of $288.9 million with a price-to-book ratio of 2.57. Total assets stand at $1.27 billion, supported by total equity of $112.4 million and total liabilities of $1.16 billion. The debt-to-equity ratio is reported as 0.0, indicating a conservative leverage profile or specific accounting treatment of liabilities. Operating cash flow is $21.6 million, while capital expenditure is minimal at $0.6 million, suggesting low reinvestment requirements typical of community banking.

(b) Profitability and returns: The firm reports net income of $17.5 million against revenue of $4.1 million, resulting in a return on equity of 27.7% and a return on assets of 2.5%. The price-to-earnings ratio is 9.28, implying a modest valuation multiple relative to earnings. The high ROE suggests efficient use of shareholder capital, though the absence of cohort median data prevents direct peer comparison.

Key takeaways

The company trades at a P/E of 9.28 and P/B of 2.57, reflecting a modest valuation.
Return on equity is strong at 27.7%, driven by $17.5 million net income on $112.4 million equity.
Dilution risk is low with no difference between basic and diluted share counts.
Liquidity risk assessment is inconclusive due to missing detailed balance-sheet inputs.
No historical trend data is available to evaluate growth momentum.

Bull / Bear case

analysis pipeline

— missing data

In focus — financials by report

Annual

ANNUALFiled 2024-07-23

FY 2024 · Full-year highlights

Revenue $51.0M, −16,7% YoY; Net income −19,5% YoY.

Revenue$51.0M−16,7 % YoY

Operating income—

Net income$24.8M−19,5 % YoY

Free cash flow$21.0M−25,0 % YoY

EPS—

Operating cash flow$24.9M−11,4 % YoY

Financials

Income statement

Revenue$51.0M

Gross profit—

Operating income—

Net income$24.8M

Margins

Gross margin—

Operating margin—

Net margin48.6%

FCF margin41.1%

Balance sheet

Total assets$2.83B

Total liabilities$2.62B

Total equity$206.0M

Cash & equivalents—

Long-term debt$49.7M

Cash flow

Operating cash flow$24.9M

CapEx-$1.5M

Free cash flow$21.0M

SBC—

P&L flow · revenue → net income

Highlights

▍Revenue $51.0M, −16,7% YoY
▍Net income −19,5% YoY
▍Free cash flow −25,0% YoY
▍Net margin 48.6%

Valuation FY

Market price

$34,20

Market cap

$288.9M

Enterprise valueⓘ

—

P/Eⓘ

7.0x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

2.6x

P / Tangible bookⓘ

2.6x

Tangible book

$112.4M

Net cashⓘ

—

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

2.5%

ROEⓘ

27.7%

Cash conversionⓘ

80.0%

CapEx / revenueⓘ

-2.5%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskUnknown

Benchmarks vs cohort

Net Margin51,8 %Above median

ROE27,7 %Best in class

Capex / Rev-2,5 %Above median

D/E0,00Above median

Cash Conv0,80Below median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Reference data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Cash Conversion Ratio
operating_cash_flow / net_income
Market Price
input from market-data provider (delayed close or quote-shim mid)
Return On Equity
net_income / total_equity
Market Cap
market_price * shares_outstanding_diluted
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic

Source documents

GREENE COUNTY BANCORP, INC. Market data — financials · 2026-07-29
reconciler_enqueue (reconciler) on GCBC.O · 2026-07-29

Ownership & reference

Top holders

Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,00 %$2M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$14M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$1M
Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$1M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$4M
Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$1M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$2M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$0M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$1M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$8M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$1M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$3M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$0M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$0M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$0M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$1M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$0M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M

Leadership

Donald E. GibsonPresident, Chief Executive Officer, Director

Insider activity

Net buying27 buys · 1 sellsnet $360K9 insiders · last 365d

PLUMMER MICHELLE MDirector · Common StockSold 10 000 @ $28,77$288K · 2026-06-11
Brust JohnDirector · Common StockBought 2 041 @ $24,50$50K · 2026-04-28
Brust JohnDirector · Common StockBought 1 040 @ $24,05$25K · 2026-04-27
Brust JohnDirector · Common StockBought 1 040 @ $24,06$25K · 2026-04-27
Hada Tejraj SDirector · Common StockBought 4 000 @ $21,95$88K · 2026-03-18
Hogan Peter W.Director · Common StockBought 3 000 @ $22,10$66K · 2026-03-18
Hada Tejraj SDirector · Common StockBought 2 000 @ $21,99$44K · 2026-03-17
Barzee NickSVP and CFO · Common StockBought 1 280 @ $22,55$29K · 2026-03-05
Cannucciari ChristopherDirector · Common StockBought 1 300 @ $22,05$29K · 2026-03-02
Hada Tejraj SDirector · Common StockOther 268 @ $21,95$6K · 2025-11-19
Hada Tejraj SDirector · Common StockBought 3 000 @ $21,96$66K · 2025-11-18
Antalek JohnEVP and CLO · Common StockBought 1 500 @ $22,00$33K · 2025-11-18
Hada Tejraj SDirector · Common StockBought 366 @ $22,00$8K · 2025-11-14
Hada Tejraj SDirector · Common StockBought 1 500 @ $22,52$34K · 2025-11-05
Hada Tejraj SDirector · Common StockBought 45 @ $22,20$999 · 2025-11-04
Hada Tejraj SDirector · Common StockBought 235 @ $21,80$5K · 2025-11-03
Cannucciari ChristopherDirector · Common StockBought 423 @ $22,79$10K · 2025-10-29
Gibson Donald EDirector, President and CEO · Common StockBought 500 @ $22,00$11K · 2025-10-29
Gibson Donald EDirector, President and CEO · Common StockBought 500 @ $21,75$11K · 2025-10-29
Cannucciari ChristopherDirector · Common StockBought 706 @ $22,91$16K · 2025-10-28
Cahalan Jay P.Director · Common StockBought 402 @ $22,72$9K · 2025-10-24
Cahalan Jay P.Director · Common StockBought 150 @ $22,69$3K · 2025-10-24
Cahalan Jay P.Director · Common StockBought 600 @ $22,75$14K · 2025-10-24
Cahalan Jay P.Director · Common StockBought 101 @ $22,78$2K · 2025-10-24
Cahalan Jay P.Director · Common StockBought 1 700 @ $22,82$39K · 2025-10-24

Short positioning

188.3Kshares short+28.0% vs prior

3.88days to cover

65.8%short of daily vol

109fails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

GCBC.OCanonical

NASDAQ · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskUnknown

Evidence & claims

From filings & derived data

Shareholders' equity (annual): USD 258.27MUnknown
Shares outstanding (annual): 17.03MUnknown
Total liabilities (annual): USD 2.89BUnknown
Total assets (annual): USD 3.15BUnknown
Capex (annual): USD 691KUnknown
Pre-tax income (annual): USD 34.67MUnknown
Operating cash flow (annual): USD 27.98MUnknown
EPS (basic) (annual): USD-PER-SHARES 2Unknown
EPS (diluted) (annual): USD-PER-SHARES 2Unknown
Net income (annual): USD 31.14MUnknown
Total liabilities (annual): USD 2.75BUnknown
Shareholders' equity (annual): USD 218.45MUnknown
Cash & equivalents (annual): USD 166.44MUnknown
Total assets (annual): USD 2.97BUnknown
Capex (annual): USD 1.51MUnknown
EPS (diluted) (annual): USD-PER-SHARES 1Unknown
EPS (basic) (annual): USD-PER-SHARES 1Unknown
Net income (annual): USD 24.77MUnknown
Pre-tax income (annual): USD 26.82MUnknown
Operating cash flow (annual): USD 24.91MUnknown

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

2026-08-09EVENTUpcomingFY 2026 earnings (expected) estimated date

2026-07-22 00:00 UTCTRANSCRIPTEarnings call — Q3 2026

2026-07-22EVENTQ2 2026 earnings (expected) estimated date

2026-06-11 00:00 UTCINSIDER1 insider transaction — 2026-06 · net sell $288k

2026-06-11INSIDERPLUMMER MICHELLE M sold 10.0k sh — Director ~$288k

2026-05-08FILING10-Q filing →

2026-04-28 00:00 UTCINSIDER3 insider transactions — 2026-04 · net buy $100k

2026-04-28INSIDERBrust John bought 2.0k sh — Director ~$50k

2026-04-27INSIDERBrust John bought 1.0k sh — Director ~$25k

2026-04-22FILING8-K filing →

2026-04-15FILING8-K filing →

2026-03-20FILING8-K filing →

2026-03-18 00:00 UTCINSIDER5 insider transactions — 2026-03 · net buy $256k

2026-03-18INSIDERHogan Peter W. bought 3.0k sh — Director ~$66k

2026-03-18INSIDERHada Tejraj S bought 4.0k sh — Director ~$88k

2026-03-17INSIDERHada Tejraj S bought 2.0k sh — Director ~$44k

2026-03-09FILING8-K filing →

2026-03-05INSIDERBarzee Nick bought 1.3k sh — SVP and CFO ~$29k

2026-03-02INSIDERCannucciari Christopher bought 1.3k sh — Director ~$29k

2026-02-06FILING10-Q filing →

2026-01-21FILING8-K filing →

2025-11-19 00:00 UTCINSIDER7 insider transactions — 2025-11 · net buy $153k

2025-11-19INSIDERHada Tejraj S transacted 268 sh — Director ~$6k

2025-11-18INSIDERHada Tejraj S bought 3.0k sh — Director ~$66k

2025-11-18INSIDERAntalek John bought 1.5k sh — EVP and CLO ~$33k

2025-11-14INSIDERHada Tejraj S bought 366 sh — Director ~$8k

2025-11-07FILING10-Q filing →

2025-11-05INSIDERHada Tejraj S bought 1.5k sh — Director ~$34k

2025-11-04FILING8-K filing →

2025-11-04INSIDERHada Tejraj S bought 45 sh — Director ~$1k

2025-11-03INSIDERHada Tejraj S bought 235 sh — Director ~$5k

2025-10-29INSIDERGibson Donald E bought 500 sh — Director, President and CEO ~$11k

2025-10-29INSIDERCannucciari Christopher bought 423 sh — Director ~$10k

2025-10-28INSIDERCannucciari Christopher bought 706 sh — Director ~$16k

Showing the 40 most recent of 49 entries.

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread