GCBC
Greene County Bancorp, Inc.
GCBC's fundamentals are strong: its operating margin rose 6 points to 53% and revenue grew 20%. At 14x earnings, it's trading right at its usual valuation.
GCBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
GCBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like GCBC.
GCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $28.63 | -20% |
| Fair | 14x | $35.53 | -0.3% |
| Current | 14x | $35.62 | — |
| Expensive | 18x | $46.46 | +30% |
Historical ranges are pointers, not guarantees.
GCBC's PE is in its fair range at 14x.
GCBC Forward outlook
There aren't enough analyst estimates for GCBC to show an outlook.
GCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.62 | +32% |
| Q2 2026 | $2.41 | +32% |
| Q1 2026 | $2.29 | +37% |
| Q4 2025 | $2.14 | +39% |
| Q3 2025 | $1.98 | +38% |
| Q2 2025 | $1.83 | +26% |
| Q1 2025 | $1.67 | +16% |
| Q4 2024 | $1.54 | -1.9% |
GCBC earned $2.62 per share over the past year, up 32% from the year before.
GCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $24.8M | +15% |
| Q2 2026 | $25M | +22% |
| Q1 2026 | $23.9M | +19% |
| Q4 2025 | $22.2M | +24% |
| Q3 2025 | $21.5M | +27% |
| Q2 2025 | $20.5M | +23% |
| Q1 2025 | $20.1M | +28% |
| Q4 2024 | $17.9M | +13% |
GCBC's revenue has grown year over year for nine quarters in a row: $25M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | +11 points |
| Q2 2026 | 52% | -1.8 points |
| Q1 2026 | 51% | +6.3 points |
| Q4 2025 | 52% | +7 points |
| Q3 2025 | 47% | +7.7 points |
| Q2 2025 | 54% | +12 points |
| Q1 2025 | 45% | +5.2 points |
| Q4 2024 | 45% | +4.9 points |
GCBC's operating margin was 58% last quarter, up 11 points from the same quarter a year ago, near the top of its range since 2019.
GCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.8M | +186% |
| Q2 2026 | $18.1M | +40% |
| Q1 2026 | $10.7M | +47% |
| Q4 2025 | $6.2M | +21% |
| Q3 2025 | $6.5M | +228% |
| Q2 2025 | $12.9M | +19% |
| Q1 2025 | $7.3M | +47% |
| Q4 2024 | $5.1M | +180% |
GCBC's free cash flow was $54M over the past year, up 69% from the year before. Free cash flow isn't a meaningful measure for financial services companies like GCBC.
GCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -1.3K shares |
| 3 years | 0% | -1.3K shares |
| 5 years | 0% | -1.3K shares |
| Available history | -0.3% | -48.5K shares |
GCBC has 17M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | — |
| Q1 2021 | — |
| Q2 2020 | — |
| Q1 2020 | $593,000 |
GCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 1.0x | Healthy |
| Q1 2025 | -3.4x | Net Cash |
| Q4 2024 | -4.1x | Net Cash |
GCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GCBC.
GCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.2 | Neutral |
| Stochastic | 66.6 | Neutral |
GCBC's weekly RSI is 66 (neutral) and its Stochastic is 67 (neutral).
GCBC PE vs Financial Services Sector
| Metric | GCBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 4.5% above |
| PE % | 50 | 63 | 13 pts below |
GCBC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
GCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.0 | 1.8% above |
| 20 week MA | $34.6 | 2.9% above |
| 50 week MA | $28.4 | 26% above |
| 100 week MA | $26.1 | 36% above |
| 200 week MA | $27.2 | 31% above |
GCBC has climbed back above all five of its weekly moving averages, and it's now 31% above its 200-week average.
GCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.6 | $13.0 | -11% |
| 2021 | $13.0 | $17.3 | +33% |
| 2022 | $17.3 | $32.7 | +89% |
| 2023 | $32.7 | $28.2 | -14% |
| 2024 | $28.2 | $27.9 | -1.1% |
| 2025 | $27.9 | $22.8 | -18% |
| 2026 YTD | $22.8 | $35.6 | +56% |
GCBC has finished three years in a row lower, and it's up 56% so far in 2026.