Start here if you're new
what it is
Greene County Bancorp is a local New York bank that takes deposits, makes loans, and skims a profit on the spread.
how it gets paid
Last year Greene County Banc made $118M in revenue.
why it's growing
Revenue grew 13.5% last year. EDGAR shows quarterly revenue up 94% vs. prior year to $65 million and EPS up 88% to $1.13.
what just happened
Latest quarter revenue jumped to $65M, while EPS rose to $1.13 from the prior year's level.
At a glance
B balance sheet — gets the job done, barely
80/100 earnings predictability — you can trust these numbers
12.2x trailing p/e — the market's not buying it — or you found a deal
$1.83 fy2025 eps est
$2B fy2026 rev est
xvary composite: 48/100 — below average
What they do
Greene County Bancorp is a local New York bank that takes deposits, makes loans, and skims a profit on the spread.
This is a local bank with 18 full-service offices in the Hudson Valley, and that still matters when your mortgage, business loan, and checking account live under one roof. Deposits → customer money parked at the bank → cheaper funding for loans. So what: with $3.1 billion in assets and just 189 employees, it runs a relationship business where leaving is a paperwork project.
How they make money
$118M
annual revenue · their business grew +13.5% last year
total revenue
$118M
+13.5%
The products that matter
lends into the local economy
Commercial & Consumer Loans
2.54% net interest margin
This is the earnings engine. Net interest margin reached 2.54% last quarter after a 50 basis point expansion — that's 0.50 percentage points more spread.
core profit driver
funds the loan book
Deposit Accounts
44.6% net margin
Deposits are the raw material for a bank. On $118M in revenue, Greene County Bancorp kept 44.6% as profit, which tells you funding costs stayed manageable.
funding base
returns cash to shareholders
Quarterly Dividend
$0.10 per share
The payout is modest at $0.10 per share each quarter. In human-speak: you get some cash back, but the real thesis still lives in the core bank earning power.
capital return
Key numbers
$1.83
fy2025 eps est
EPS → profit per share → what each share earns. So what: at $22.41, that puts the stock near 12.2x trailing earnings and keeps the valuation in plain old cheap-bank territory.
$3.1B
total assets
Assets → the bank's earning base → the raw material for loans and interest income. So what: this is a small bank, but not a tiny one.
$50M
long-term debt
Long-term debt → borrowed money due later → fixed obligations you cannot charm away. So what: at 12% of capital, leverage looks contained.
11.5%
past earnings growth
Earnings growth → how fast profit has risen over time → whether the bank is compounding or just existing. So what: 11.5% is solid for a sleepy regional lender.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 4 — safer than 20% of stocks
- price stability 30 / 100
- long-term debt $50M (12% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for GCBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Latest quarter revenue jumped to $65M, while EPS rose to $1.13 from the prior year's level.
EDGAR shows quarterly revenue up 94% vs. prior year to $65 million and EPS up 88% to $1.13. That is much faster than the full-year revenue growth rate of 13.5%, which tells you the quarter was unusually strong.
$65M
revenue
$1.13
eps
44.58%
gross margin
the number that mattered
The 94% revenue jump matters most because it dwarfs the 13.5% annual growth rate and shows the latest quarter ran far hotter than the base business.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
The #1 risk is single-county concentration in Greene County, New York.
high
single-county concentration
All operations sit in Greene County, New York. In human-speak: a local downturn can hit 100% of the franchise at once.
100% geographic exposure
high
net interest margin compression
The core spread is 2.54% after a 50-basis-point expansion. If deposit costs rise or loan yields soften, the profit engine loses torque fast.
2.54% margin is the key variable
med
limited diversification
Reported revenue is $118M and the page shows one real earnings engine: traditional banking spread income. There is not much else here to offset a soft lending or funding environment.
$118M revenue base
med
thin outside coverage
The page shows 0 analysts and institutional ownership data is still being compiled. That means fewer outside eyes challenging management's story — and usually less liquidity for you.
0 analysts on the page
A business with 100% of its footprint in one county and a 2.54% spread-driven earnings model can look great at a 44.6% net margin — right up until the local economy or funding costs turn against it.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin
2.54% is the key number on the page. If that starts moving back down, the 44.6% net margin story weakens with it.
calendar
dividend payment
The next $0.10 quarterly dividend is payable on Feb. 27, 2026. Nice signal of stability, minor part of the thesis.
risk
local credit conditions
Because the bank operates in one county, you should care more than usual about local economic softness. There is no geographic diversification to hide behind.
trend
valuation versus earnings durability
At 12.2x trailing earnings, the stock looks cheap if profitability sticks. It stops looking cheap if the recent margin expansion was temporary.
Analyst rankings
earnings predictability
80 / 100
Results have been relatively steady. In human-speak: this bank usually does not surprise you.
risk rank
4
The stock is listed as safer than 20% of stocks. Translation: this is not where you hide when markets get ugly.
source: institutional data
Institutional activity
institutional ownership data for GCBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$22
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive