GCBC

MKT CAP:$397M

Greene County Bancorp, Inc.

Market Cap

$397M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$23.01+$1.25 (+5.74%)

Apr 23, 2026

Company Details

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 o...

CEO

Donald E. Gibson

IPO Date

Jun 30, 1999

Website

www.thebankofgreenecounty.com

Key Metrics TTM

Revenue

$107M

-17.5% YoY

Net Income

$28M

EPS (Diluted)

$1.67

Free Cash Flow

$33M

Revenue / Share

$6.27

Gross Margin

59.6%

Operating Margin

30.6%

Net Margin

26.7%

FCF Margin

30.8%

P/S

3.7x

P/E

13.9x

Earnings Reports

Q3 2026

Apr 22, 2026

NEW

$0-100.0%EPS $0.00

Q2 2026

Feb 6, 2026

$37M+10.1%EPS $0.60

Q1 2026

Nov 7, 2025

$36M+13.0%EPS $0.52

FY 2025

Sep 5, 2025

$133M+13.1%EPS $1.83

Q4 2025

Sep 5, 2025

$35M+11.1%EPS $0.55

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 22	$20M	$17M	$8M
Q1 23	$22M	$19M	$11M
Q2 23	$23M	$19M	$9M
Q3 23	$25M	$19M	$9M
Q4 23	$27M	$17M	$7M
Q1 24	$28M	$16M	$7M
Q2 24	$29M	$16M	$6M
Q3 24	$29M	$15M	$6M
Q4 24	$31M	$17M	$7M
Q1 25	$32M	$16M	$7M
Q2 25	$33M	$17M	$8M
Q3 25	$34M	$19M	$9M
Q4 25	$35M	$21M	$11M
Q1 26	$36M	$20M	$10M
Q2 26	$37M	$22M	$12M
Q3 26	$0	$0	$0

Valuation

Quarter	P/S	P/E
Q4 22	5.3x	14.2x
Q1 23	5.0x	13.3x
Q2 23	4.8x	13.1x
Q3 23	4.4x	12.8x
Q4 23	4.1x	12.9x
Q1 24	3.9x	14.1x
Q2 24	3.7x	14.9x
Q3 24	3.5x	16.2x
Q4 24	3.4x	16.0x
Q1 25	3.3x	16.2x
Q2 25	3.2x	15.1x
Q3 25	3.1x	13.9x
Q4 25	3.0x	12.8x
Q1 26	2.9x	11.8x
Q2 26	2.8x	10.9x
Q3 26	3.7x	13.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 22	$8M	$7M
Q4 22	$14M	$14M
Q1 23	$4M	$4M
Q2 23	$6M	$5M
Q3 23	$8M	$7M
Q4 23	$10M	$10M
Q1 24	$6M	$6M
Q2 24	$2M	$2M
Q3 24	$6M	$5M
Q4 24	$11M	$11M
Q1 25	$2M	$2M
Q2 25	$5M	$5M
Q3 25	$7M	$7M
Q4 25	$13M	$13M
Q1 26	$7M	$7M
Q2 26	$6M	$6M

Capital Expenditures

Quarter	CapEx
Q3 22	$496.0K
Q4 22	$293.0K
Q1 23	$154.0K
Q2 23	$363.0K
Q3 23	$300.0K
Q4 23	$720.0K
Q1 24	$474.0K
Q2 24	$170.0K
Q3 24	$664.0K
Q4 24	$198.0K
Q1 25	$153.0K
Q2 25	$181.0K
Q3 25	$52.0K
Q4 25	$305.0K
Q1 26	$402.0K
Q2 26	$209.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 22	+9.4%	+27.1%
Q1 23	+17.2%	+9.3%
Q2 23	+23.0%	+34.9%
Q3 23	+37.2%	+61.1%
Q4 23	+34.6%	+64.0%
Q1 24	+28.7%	+84.9%
Q2 24	+24.1%	+53.4%
Q3 24	+18.0%	+49.2%
Q4 24	+16.6%	+24.7%
Q1 25	+12.6%	+20.9%
Q2 25	+14.5%	+11.1%
Q3 25	+14.1%	+6.0%
Q4 25	+11.1%	-2.8%
Q1 26	+13.0%	+2.4%
Q2 26	+10.1%	-0.5%
Q3 26	-100.0%	-100.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 22	$0	0.0%
Q4 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%
Q1 26	$0	0.0%
Q2 26	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q4 22	$7M	$146.0K
Q1 23	$6M	$76.0K
Q2 23	$6M	$145.0K
Q3 23	$6M	$115.0K
Q4 23	$8M	$162.0K
Q1 24	$6M	$97.0K
Q2 24	$6M	$102.0K
Q3 24	$6M	$122.0K
Q4 24	$11M	$124.0K
Q1 25	$6M	$77.0K
Q2 25	$6M	$127.0K
Q3 25	$7M	$136.0K
Q4 25	$7M	$146.0K
Q1 26	$7M	$100.0K
Q2 26	$479.0K	$147.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q4 22	$73M	$408M	$481M
Q1 23	$71M	$334M	$404M
Q2 23	$65M	$335M	$400M
Q3 23	$183M	$317M	$500M
Q4 23	$201M	$281M	$482M
Q1 24	$134M	$309M	$443M
Q2 24	$180M	$308M	$488M
Q3 24	$259M	$346M	$604M
Q4 24	$193M	$350M	$543M
Q1 25	$216M	$365M	$581M
Q2 25	$169M	$374M	$543M
Q3 25	$157M	$318M	$475M
Q4 25	$185M	$320M	$504M
Q1 26	$156M	$315M	$471M
Q2 26	$9M	$412M	$420M
Q3 26	$11M	$370M	$381M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 22	17M	0.0%	0.0%
Q1 23	17M	0.0%	0.0%
Q2 23	17M	0.0%	0.0%
Q3 23	17M	0.0%	0.0%
Q4 23	17M	0.0%	0.0%
Q1 24	17M	0.0%	0.0%
Q2 24	17M	0.0%	0.0%
Q3 24	17M	0.0%	0.0%
Q4 24	17M	0.0%	0.0%
Q1 25	17M	0.0%	0.0%
Q2 25	17M	0.0%	0.0%
Q3 25	17M	0.0%	0.0%
Q4 25	17M	-0.0%	-0.0%
Q1 26	17M	0.0%	-0.0%
Q2 26	17M	0.0%	-0.0%
Q3 26	17M	0.0%	-0.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 22	$103.6K	191
Q1 23	$113.8K	191
Q2 23	$122.6K	191
Q3 23	$130.8K	191
Q4 23	$136.5K	195
Q1 24	$143.4K	195
Q2 24	$149.1K	195
Q3 24	$151.2K	195
Q4 24	$164.3K	189
Q1 25	$166.7K	189
Q2 25	$176.2K	189
Q3 25	$178.0K	189
Q4 25	$181.6K	190
Q1 26	$187.4K	190
Q2 26	$192.9K	190
Q3 26	$0	190

Revenue / Employee