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Greene County Bancorp Inc

Greene County Bancorp Inc

GCBC · NASDAQ · Financial Services / Banks - Regional

35.60USD-0.02 (-0.06%)

Price History

Full chart

Market Stats

Previous Close35.62
Open35.44
Day Range34.77 – 35.63
52-Week Range20.91 – 36.33
Volume27.80K
Market Cap586.70M
P/E (TTM)14.30
Forward P/E13.70
EPS2.41
Dividend Yield1.27%
Beta0.39
50-Day Avg34.51
200-Day Avg27.20

About

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Donald E. Gibson
  • Employees203
  • Headquarters302 Main Street, Catskill, NY, United States, 12414, USA
  • Websitehttps://www.thebankofgreenecounty.com

Leadership

  • Mr. Donald E. GibsonPresident, CEO & Director · b. 1965
  • Mr. Nick Barzee CPASenior VP & CFO · b. 1986
  • Mr. John AntalekExecutive VP & Chief Lending Officer · b. 1976
  • Kay ScarselliVice President of Operations
  • Mr. Timothy BartholomewVP & Director of Investment Services
  • Sumeet MurarkaVP & Chief Information Officer
  • Tim PenkSenior VP & Chief Administrative Officer
  • Ms. Cynthia DuPilkaVice President of BSA, Compliance & Operational Support
  • Ms. Susan TimanVP, Director of Marketing & Corporate Secretary
  • Megan ZahnAssistant VP & Director of Human Resources

Financials

Income Statement

Currency: USD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue5.52M10.50M11.40M12.61M14.39M15.54M16.07M16.78M17.94M20.93M24.11M28.80M27.70M29.02M29.19M29.05M29.07M31.40M34.77M39.88M46.41M54.67M61.96M68.00M75.58M73.36M117.57M132.94M145.79M
Growth (%)-+90.07%+8.55%+10.63%+14.12%+7.97%+3.42%+4.42%+6.91%+16.66%+15.22%+19.45%-3.83%+4.77%+0.59%-0.47%+0.04%+8.01%+10.73%+14.72%+16.36%+17.80%+13.34%+9.73%+11.16%-2.93%+60.26%+13.07%+9.67%
Cost of Revenue5.09M5.10M5.12M5.51M5.15M4.52M3.46M3.33M4.34M6.72M7.92M8.77M6.64M6.14M5.37M4.56M3.89M3.86M4.25M4.99M5.54M7.97M12.39M9.16M8.72M22.34M53.45M58.90M55.25M
Gross Profit436.67K5.40M6.28M7.10M9.24M11.01M12.61M13.45M13.60M14.21M16.19M20.03M21.06M22.88M23.82M24.49M25.18M27.54M30.51M34.90M40.87M46.70M49.58M58.84M66.86M73.36M64.12M74.04M90.55M
Gross Margin7.90%51.43%55.08%56.31%64.19%70.88%78.49%80.16%75.82%67.88%67.13%69.55%76.03%78.84%81.61%84.30%86.63%87.71%87.76%87.49%88.05%85.43%80.01%86.53%88.47%100.00%54.54%55.69%62.11%
Operating Expense-1.27M4.30M4.97M5.93M6.98M7.82M8.47M9.24M10.53M11.04M12.30M13.78M13.61M14.86M15.31M15.45M16.12M18.03M18.87M19.97M22.36M25.68M27.82M31.22M33.96M37.54M37.30M39.37M43.72M
Operating Income1.70M1.10M1.30M1.17M2.25M3.20M4.14M4.21M3.07M3.17M3.88M6.25M7.45M8.02M8.51M9.04M9.06M9.51M11.64M14.93M18.50M21.03M21.76M27.61M32.91M35.83M26.82M34.67M46.83M
Operating Margin30.83%10.48%11.45%9.30%15.66%20.57%25.75%25.10%17.13%15.14%16.11%21.71%26.89%27.65%29.15%31.12%31.19%30.28%33.49%37.43%39.87%38.46%35.11%40.61%43.54%48.83%22.81%26.08%32.12%
EBITDA1.85M1.40M1.60M1.62M2.69M4.30M6.08M6.39M5.47M4.82M5.04M7.11M8.37M8.76M9.35M9.78M9.68M10.05M12.27M15.56M19.14M21.66M22.47M28.39M33.73M36.70M27.75M35.73M47.97M
EBITDA Margin33.50%13.33%14.02%12.82%18.70%27.65%37.81%38.09%30.51%23.05%20.90%24.69%30.22%30.19%32.01%33.66%33.31%32.02%35.29%39.03%41.24%39.63%36.26%41.75%44.63%50.02%23.60%26.88%32.90%
Net Income1.15M900.00K958.13K956.35K1.65M2.20M2.91M2.95M2.24M2.26M2.72M4.08M4.88M5.29M5.83M6.37M6.53M7.19M8.96M11.19M14.41M17.48M18.73M23.94M27.99M30.79M24.77M31.14M41.02M
Net Income Margin20.82%8.57%8.41%7.58%11.49%14.19%18.13%17.58%12.50%10.80%11.28%14.18%17.64%18.23%19.97%21.93%22.46%22.90%25.78%28.05%31.05%31.98%30.22%35.21%37.03%41.96%21.07%23.42%28.14%
R&D--------------000-000--------
R&D as % of Total Revenue--------------0.00%0.00%0.00%-0.00%0.00%0.00%--------
Interest Expense4.97M4.90M4.98M5.45M4.93M4.34M3.35M3.26M4.14M6.44M7.34M6.75M5.37M4.51M3.58M2.82M2.39M2.30M2.58M3.08M4.01M6.31M8.48M5.18M5.44M23.41M52.69M57.58M53.21M
Interest Expense % of Total Revenue89.92%46.67%43.73%43.21%34.29%27.96%20.86%19.42%23.06%30.78%30.46%23.44%19.37%15.54%12.27%9.70%8.21%7.33%7.42%7.72%8.65%11.54%13.69%7.62%7.20%31.91%44.81%43.32%36.50%

Balance Sheet

Currency: USD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets140.25M152.60M167.73M185.10M220.16M256.97M284.58M294.68M307.56M325.83M379.61M460.54M495.32M547.52M590.66M633.61M674.16M738.65M868.78M982.29M1.15B1.27B1.68B2.20B2.57B2.70B2.83B3.04B3.18B
Total Liabilities124.52M128.70M144.14M160.01M193.76M227.84M254.75M261.93M273.98M290.41M343.34M420.27M450.82M499.44M537.99M577.50M612.96M671.73M794.48M898.77M1.06B1.16B1.55B2.05B2.41B2.52B2.62B2.80B2.91B
Total Equity15.73M23.90M23.59M25.09M26.40M29.12M29.83M32.75M33.58M35.41M36.27M40.26M44.50M48.08M52.66M56.11M61.20M66.92M74.30M83.52M96.19M112.37M128.81M149.58M157.71M183.28M206.00M238.84M277.83M
Cash8.27M2.80M6.01M5.34M7.41M16.92M12.93M10.87M12.22M11.13M7.30M9.64M10.64M9.97M7.52M6.47M14.06M16.77M18.11M18.42M28.89M32.41M44.53M154.33M73.12M201.02M193.23M184.50M12.31M
Total Debt--10.00M5.00M9.00M8.00M10.00M7.50M5.00M5.00M20.00M19.00M26.10M26.30M21.00M14.60M17.65M41.70M46.40M29.55M18.15M21.60M25.48M22.64M173.01M49.49M199.14M128.06M155.15M
Net Debt-8.27M-2.80M3.99M-336.19K1.59M-8.92M-2.93M-3.37M-7.22M-6.13M12.70M9.36M15.46M16.33M13.48M8.13M3.59M24.93M28.30M11.13M-10.74M-10.81M-19.05M-131.68M99.89M-151.53M5.91M-56.45M142.84M

Cash Flow

Currency: USD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow960.53K1.80M1.32M1.41M2.32M3.75M5.34M5.61M4.40M4.36M4.91M5.27M6.59M10.12M10.35M10.34M11.38M12.80M13.58M14.05M20.67M21.63M26.72M27.75M35.35M28.11M24.91M27.98M42.30M
Investing Cash Flow-10.17M-15.20M-6.09M-13.49M-35.90M-37.48M-27.87M-13.38M-20.24M-21.13M-60.34M-79.63M-35.30M-56.83M-48.39M-49.95M-36.85M-66.54M-132.44M-115.76M-163.38M-115.34M-397.32M-417.14M-471.18M661.00K-129.24M-210.17M-176.93M
Financing Cash Flow6.59M11.30M14.44M15.07M32.61M32.82M27.03M6.28M11.77M14.95M50.07M75.14M28.90M47.03M35.82M38.10M33.05M55.47M119.22M102.10M152.93M96.75M381.52M498.70M355.06M98.67M98.28M174.87M96.46M
Capital Expenditure1.06M1.10M1.84M365.95K374.70K291.56K1.15M3.04M3.90M3.63M2.40M1.17M464.00K1.34M327.00K187.00K575.00K753.00K290.00K76.00K324.00K589.00K1.12M1.25M1.05M1.54M1.51M691.00K741.00K
Free Cash Flow-99.68K700.00K-515.96K1.05M1.95M3.46M4.19M2.58M494.00K730.00K2.50M4.10M6.13M8.78M10.02M10.15M10.81M12.04M13.29M13.97M20.35M21.04M25.61M26.50M34.30M26.57M23.40M27.29M41.56M
Dividends Paid---489.42K481.33K591.06K688.00K783.00K823.00K885.00K1.28M1.22M1.24M1.65M1.30M2.13M1.33M1.80M1.85M1.92M1.53M2.04M2.24M2.43M2.63M2.19M3.24M4.47M4.05M
FCF to OCF-10.38%38.89%-38.98%74.11%83.86%92.23%78.45%45.95%11.24%16.75%51.00%77.83%92.96%86.76%96.84%98.19%94.95%94.12%97.86%99.46%98.43%97.28%95.82%95.48%97.03%94.53%93.95%97.53%98.25%
Dividend Paid to FCF---46.72%24.72%17.07%16.41%30.35%166.60%121.23%51.20%29.83%20.19%18.75%12.94%20.97%12.35%14.93%13.95%13.74%7.50%9.68%8.74%9.17%7.68%8.25%13.84%16.40%9.74%

Earnings

Report DateMar 31, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Sep 30, 2002Jan 31, 2003Apr 30, 2003Jul 31, 2003Oct 30, 2003Feb 2, 2004May 4, 2004Jul 30, 2004Nov 1, 2004Feb 3, 2005May 3, 2005Aug 1, 2005Oct 28, 2005Feb 1, 2006May 1, 2006Jul 31, 2006Oct 25, 2006Jan 26, 2007May 4, 2007Aug 2, 2007Nov 1, 2007Jan 29, 2008May 1, 2008Jul 28, 2008Oct 24, 2008Jan 22, 2009Apr 30, 2009Jul 29, 2009Oct 26, 2009Jan 27, 2010Apr 27, 2010Jul 28, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 25, 2016Jan 24, 2017Apr 21, 2017Jul 25, 2017Oct 25, 2017Jan 24, 2018Apr 24, 2018Jul 25, 2018Oct 24, 2018Jan 23, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 24, 2020Apr 24, 2020Jul 24, 2020Oct 23, 2020Jan 22, 2021Apr 23, 2021Jul 23, 2021Oct 22, 2021Jan 24, 2022Apr 21, 2022Jul 25, 2022Oct 21, 2022Jan 20, 2023Apr 20, 2023Jul 24, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 22, 2024Jan 22, 2025Apr 22, 2025Jul 23, 2025Oct 21, 2025Jan 21, 2026Apr 22, 2026Jul 23, 2026Oct 20, 2026
EPS Estimate---------------------------------------------------0.00-----------------------0.00-------------------------------
EPS Actual0.020.010.020.020.010.020.010.020.020.030.040.030.030.030.040.050.040.040.050.050.040.040.040.030.030.030.040.050.020.020.030.040.040.050.050.060.070.070.070.070.070.080.160.150.170.180.180.170.160.210.200.180.160.200.200.170.180.210.210.210.220.250.270.250.280.300.340.340.340.340.410.400.430.420.510.510.510.540.570.600.470.550.570.730.620.890.840.810.840.801.060.850.480.380.380.340.340.400.370.440.470.550.520.600.620.67-
Surprise-----------------------------------------------------------------------------------------------------------
Timing------------------------------------------------------------------Pre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap586.70M
Enterprise Value596.21M
Trailing P/E14.30
Forward P/E13.70
PEG Ratio1.83
Price / Sales6.48
Price / Book2.16
EPS2.41
Book Value16.32
Revenue (TTM)90.55M
Gross Profit (TTM)90.55M
Profit Margin45.30%
Operating Margin57.16%
Return on Equity15.88%
Return on Assets1.32%
Shares Outstanding17.03M
Shares Float7.12M
Beta0.39
Dividend Yield1.27%
Dividend Rate0.44
Payout Ratio16.99%

Ownership Breakdown

Institutions
15.72%
Insiders
59.36%
Retail / Other
24.92%

Top Institutional Holders

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    678.23K3.98%
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    298.15K1.75%
  • Geode Capital Management, LLC
    166.92K0.98%
  • State Street Corp
    128.80K0.76%
  • Goss Wealth Management LLC
    109.50K0.64%
  • Dimensional Fund Advisors, Inc.
    101.95K0.60%
  • Covalent Partners LLC
    69.00K0.41%
  • The Goldman Sachs Group Inc
    68.19K0.40%
  • Angel Oak Capital Advisors, LLC
    61.00K0.36%
  • Vanguard Fiduciary Trust Co
    52.42K0.31%
  • Renaissance Technologies Corp
    51.00K0.30%
  • Northern Trust Corp
    50.97K0.30%
  • LPL Financial Corp
    42.90K0.25%
  • HSBC Holdings PLC
    42.42K0.25%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    513.43K3.02%
  • iShares Russell 2000 ETF
    187.78K1.10%
  • BSF Systematic US Eq Abs Ret A2 USD
    119.06K0.70%
  • Fidelity Small Cap Index
    76.38K0.45%
  • Avantis US Small Cap Value ETF
    74.58K0.44%
  • iShares Russell 2000 Value ETF
    58.94K0.35%

Dividends

20264×
0.11Nov 13, 20260.11Aug 14, 20260.10May 15, 20260.10Feb 13, 2026
20254×
0.10Nov 14, 20250.10Aug 15, 20250.09May 16, 20250.09Feb 14, 2025
20244×
0.09Nov 15, 20240.09Aug 15, 20240.08May 14, 20240.08Feb 14, 2024
20234×
0.08Nov 14, 20230.08Aug 11, 20230.07May 12, 20230.07Feb 10, 2023
20224×
0.07Nov 14, 20220.07Aug 12, 20220.07May 12, 20220.07Feb 14, 2022
20214×
0.07Nov 12, 20210.07Aug 13, 20210.06May 13, 20210.06Feb 11, 2021

Stock Splits

  • Mar 24, 20232:1
  • Mar 16, 20162:1
  • Jun 1, 20052:1
  • Jul 22, 1999110:100