Greene County Bancorp, Inc.
GCBCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 2, 2026
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Daily timeframeGreene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. With a market capitalization of $446.7M, it sits in small-cap territory. 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.
Market Cap
$446.7M
Beta
0.41
P/E (TTM)
11.46
P/E (Fwd)
—
EPS (TTM)
$2.29
EPS (Fwd)
—
ROE
15.7%
ROA
1.3%
Cash
$144.5M
Total Debt
$110.2M
Free CF
—
52W Change
19.3%
Annual Financials
Cash vs Debt
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 0.41 suggests GCBC is a less volatile holding compared to the broader index. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing GCBC.