Stocks · Financial Services · Banks - Regional
Greene County Bancorp, Inc. GCBC
$34.26 +1.06% Close, Oct 2, 2026 · NASDAQ · Market cap $583.3M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 112 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $2.41, up 31.7% year over year.
- Operating margin widened to 32.1% from 26.1% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 39%
- EPS growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Top 30%
- Revenue growth, 3-year CAGRBottom 50%
- Revenue growth accelerationBottom 45%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 50%
- Gross marginBottom 41%
- Operating marginTop 24%
- Cash conversion (OCF / net income)Bottom 40%
- Accruals (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Bottom 35%
- Interest coverBottom 46%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 46%
- Free-cash-flow yieldBottom 45%
- EBITDA / enterprise valueTop 50%
- Sales / enterprise valueBottom 25%
- P/E vs own 5-year history (lower is better)Top 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 6%
- 6-month returnTop 3%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsBottom 22%
- Beta vs S&P 500 (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 35%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.5% | 9.7% | ↓ |
| EPS growth (YoY) | 36.3% | 31.7% | ↓ |
| Gross margin | 55.7% | 62.1% | ↑ |
| Operating margin | 26.1% | 32.1% | ↑ |
| FCF margin | 20.5% | 28.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.7% | 10.5% | ↓ | Top 39% |
| EPS growth (TTM, YoY) | 31.7% | 36.3% | ↓ | Top 34% |
| Gross margin | 62.1% | 55.7% | ↑ | Bottom 41% |
| Operating margin | 32.1% | 26.1% | ↑ | Top 24% |
| Net margin | 28.1% | 23.4% | ↑ | — |
| Free-cash-flow margin | 28.5% | 20.5% | ↑ | — |
| Return on invested capital | 1.3% | — | Bottom 50% | |
| Revenue growth, 3-year CAGR | 14.6% | — | Bottom 50% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.03×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -4.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.98×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.69%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.69%
- Share count change, 1 year
- -0.0%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 9, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | +0.2% | +4.7% | +5.4% | — |
| Apr 22, 2026 | — | -1.3% | +6.7% | +6.7% | +42.5% |
| Jan 21, 2026 | — | +4.6% | +0.3% | +5.7% | +6.5% |
| Oct 21, 2025 | — | -1.1% | +1.8% | -3.3% | +1.3% |
| Jul 23, 2025 | — | +0.5% | -5.8% | -7.6% | -14.6% |
| Apr 22, 2025 | — | +3.3% | +5.3% | +13.0% | +24.1% |
| Jan 22, 2025 | — | -0.4% | -0.6% | +1.6% | -20.7% |
| Oct 22, 2024 | — | -2.0% | +1.4% | +13.0% | -5.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.67 | — | — | $37.3M |
| Apr 22, 2026 | $0.62 | — | — | $36.3M |
| Jan 21, 2026 | $0.60 | — | — | $36.7M |
| Oct 21, 2025 | $0.52 | — | — | $35.6M |
| Jul 23, 2025 | $0.55 | — | — | $34.5M |
| Apr 22, 2025 | $0.47 | — | — | $33.6M |
| Jan 22, 2025 | $0.44 | — | — | $33.3M |
| Oct 22, 2024 | $0.37 | — | — | $31.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.2× | 14.5× | 48th | Top 46% |
| EV / EBITDA | 15.1× | — | — | Top 50% |
| EV / Sales | 4.98× | — | — | Bottom 25% |
| Free-cash-flow yield | 7.12% | — | — | Bottom 45% |
| Earnings yield | 7.03% | — | — | Top 46% |
P/E over the past five years
Range 10.3× – 23.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +52.9%
- Earnings per share growth (TTM)
- +31.7%
- Change in P/E multiple
- +14.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 112
- 50-day average slope (20 days)
- +2.3%
- 200-day average slope (20 days)
- +4.5%
- Distance from 50-day average
- -1.1%
- Distance from 200-day average
- +24.6%
- RSI (14)
- 46.4
- Relative volume
- 1.02×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -4.9%
- Maximum drawdown, 3 years
- -43.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 30, 2022 | May 3, 2023 | -53.2% | 105 days | Not yet recovered |
| May 31, 2022 | Jun 13, 2022 | -21.6% | 9 days | 62 days (Sep 12, 2022) |
| Mar 10, 2021 | Mar 29, 2021 | -16.4% | 13 days | 44 days (Jun 1, 2021) |
| Dec 10, 2020 | Jan 29, 2021 | -13.8% | 33 days | 27 days (Mar 10, 2021) |
| Jun 7, 2021 | Jun 16, 2021 | -13.5% | 7 days | 30 days (Jul 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $583.3M
- P/E (TTM)
- 14.2
- EPS, diluted (TTM)
- $2.41
- Revenue (TTM)
- $145.8M
- Dividend yield
- 1.20%
- 52-week range
- $21.25 – $36.33
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $75.6M | $96.8M | $117.6M | $132.9M | $145.8M |
| Gross profit | $66.9M | $74.4M | $64.1M | $74.0M | $90.5M |
| Operating income | $32.9M | $35.8M | $26.8M | $34.7M | $46.8M |
| Net income | $28.0M | $30.8M | $24.8M | $31.1M | $41.0M |
| EPS (diluted) | $1.65 | $1.81 | $1.45 | $1.83 | $2.41 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $31.5M | $33.3M | $33.6M | $34.5M | $35.6M | $36.7M | $36.3M | $37.3M |
| Net income | $6.3M | $7.5M | $8.1M | $9.3M | $8.9M | $10.3M | $10.5M | $11.3M |
| EPS (diluted) | $0.37 | $0.44 | $0.47 | $0.55 | $0.52 | $0.60 | $0.62 | $0.67 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $35.4M | $28.1M | $24.9M | $28.0M | $42.3M |
| Capital expenditure | -$1.1M | -$1.5M | -$1.5M | -$691,000 | -$741,000 |
| Free cash flow | $34.3M | $26.6M | $23.4M | $27.3M | $41.6M |
| Dividends paid | -$2.6M | -$2.2M | -$3.2M | -$4.5M | -$4.0M |
| Net share buybacks | $0 | $0 | $0 | $0 | -$32,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $386.1M
- Total assets
- $3.18B
- Total liabilities
- $2.91B
- Total debt
- $155.1M
- Net debt
- $142.8M
- Shareholders’ equity
- $277.8M
As of Jun 30, 2026 (filed Sep 9, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.11 | Aug 31, 2026 |
| May 15, 2026 | $0.10 | May 29, 2026 |
| Feb 13, 2026 | $0.10 | Feb 27, 2026 |
| Nov 14, 2025 | $0.10 | Nov 28, 2025 |
| Aug 15, 2025 | $0.10 | Aug 29, 2025 |
| May 16, 2025 | $0.09 | May 30, 2025 |
| Feb 14, 2025 | $0.09 | Feb 28, 2025 |
| Nov 15, 2024 | $0.09 | Nov 29, 2024 |
Short interest
- Shares sold short
- 191,241
- Days to cover
- 7.81
- Change vs previous report
- -5.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 24, 2023
- 2-for-1
- Mar 16, 2016
- 2-for-1
- Jun 1, 2005
- 2-for-1
- Jul 22, 1999
- 11-for-10