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GCBC stock logo

GCBC

Greene County Bancorp, Inc.

$22.92
0.37
 (1.64%)
Exchange:  NASDAQ
Market Cap:  390.255M
Shares Outstanding:  16M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Donald E. Gibson
Full Time Employees:  189
Address: 
302 Main Street
Catskill
NY
12414
US
Website:  https://www.thebankofgreenecounty.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue96,771117,572132,938
Gross Profit74,43564,12174,038
EBITDA36,69827,74735,731
Operating Income35,82726,81934,666
Net Income30,78524,76931,138

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,698,2832,825,7883,040,609
Total Liabilities2,515,0002,619,7882,801,772
Total Stockholders Equity183,283206,000238,837
Total Debt49,495199,137128,056
Cash and Cash Equivalents201,021193,22612,788

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow28,10924,9080
Capital Expenditure-1,537-1,5060
Free Cash Flow26,57223,4020
Net Income30,78524,7690
Net Change in Cash127,436-6,0500

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Analyst Estimates

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Current Key Metrics

?Revenue
 (TTM)
: 
117.572M  ?P/S
 (TTM)
: 
2.87
?Net Income
 (TTM)
: 
24.769M  ?P/E
 (TTM)
: 
11.04
?Enterprise Value
 (TTM)
: 
608.852M  ?EV/FCF
 (TTM)
: 
18.49
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.08
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
243.689M  ?Debt/Equity
 (TTM)
: 
0.83
?P/B
 (TTM)
: 
1.56  ?Current Ratio
 (TTM)
: 
11.69

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Forward P/E Ratios

?

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates GCBC intrinsic value between $20.22 – $28.71 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate GCBC Intrinsic Value

Common questions about GCBC valuation

Is Greene County Bancorp, Inc. (GCBC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Greene County Bancorp, Inc. (GCBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is GCBC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GCBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is GCBC’s P/E ratio?

You can see GCBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for GCBC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is GCBC a good long-term investment?

Whether GCBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

GCBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.64
MARKETSnap

Trading Metrics:

Open: 22.75   Previous Close: 22.55
Day Low: 22.64   Day High: 22.92
Year Low: 20   Year High: 26.04
Price Avg 50: 22.8   Price Avg 200: 23.1
Volume: 7450   Average Volume: 12216

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