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 $559.3M market capitalization puts GCBC squarely in small-cap range for its industry. 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.
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With $144.5M in cash and $110.2M in debt, GCBC maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 15.7% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $70.1M (2022) to $75.4M (2025).
The relatively low beta of 0.39 suggests GCBC is a less volatile holding compared to the broader index. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Greene County Bancorp, Inc.'s trajectory.