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2.17%
Greene county bancorp, inc.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Greene county bancorp, inc. (GCBC) covers the period of 2026Q2 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating GCBC's short-term business performance and financial health. For the latest updates on GCBC's earnings releases, visit this page regularly.
According to historical valuation range analysis, Greene county bancorp, inc. (GCBC)'s current price-to-earnings (P/E) ratio is 11.42, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Greene county bancorp, inc. (GCBC) reported an Operating Profit of 11.56M with an Operating Margin of 52.49% this period, representing a growth of 43.05% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Greene county bancorp, inc. (GCBC) announced revenue of 22.02M, with a Year-Over-Year growth rate of 26.06%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Greene county bancorp, inc. (GCBC) had total debt of 214.12M, with a debt ratio of 0.07. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Greene county bancorp, inc. (GCBC) held Total Cash and Cash Equivalents of 124.09M, accounting for 0.04 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Greene county bancorp, inc. (GCBC) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 52.49%%, and net margin of 46.7%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess GCBC's profit trajectory and future growth potential.
According to the past four quarterly reports, Greene county bancorp, inc. (GCBC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.6. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Greene county bancorp, inc. (GCBC)'s Free Cash Flow (FCF) for the period is 6.22M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 21.25% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Greene county bancorp, inc. (GCBC) has a Price-To-Earnings (PE) ratio of 11.42 and a Price/Earnings-To-Growth (PEG) ratio of 0.6. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.