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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Greene County Bancorp, Inc. is a bank holding company that operates a community commercial bank offering deposit, lending and mortgage services to local customers. Long-term growth may be driven by net interest margin expansion, loan and deposit growth in its market area, and modest fee-income diversification. Its local franchise and relationship-based lending could make it attractive to investors seeking regional bank exposure.
Key investment risks include sensitivity to interest-rate movements, exposure to local economic and loan-portfolio concentrations, and competitive and regulatory pressures that could affect earnings and capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Income before tax | 34.67M | 26.82M | 35.83M | 32.91M | 27.61M |
| Net income | 31.14M | 24.77M | 30.79M | 27.99M | 23.94M |
| Selling general administrative | 30.35M | 29.09M | 29.02M | 25.61M | 23.89M |
| Selling and marketing expenses | 0.49M | 0.45M | 0.50M | 0.49M | 0.49M |
| Gross profit | 74.04M | 64.12M | 73.36M | 70.14M | 62.81M |
| Reconciled depreciation | 1.06M | 0.93M | 0.87M | 0.83M | 0.78M |
| Ebit | 34.67M | 26.82M | 34.96M | 38.34M | 27.61M |
| Ebitda | 35.73M | 27.75M | 35.83M | 39.17M | 28.39M |
| Depreciation and amortization | 1.06M | 0.93M | 0.87M | 0.83M | 0.78M |
| Operating income | 34.67M | 26.82M | 35.83M | 38.34M | 27.61M |
| Other operating expenses | 98.27M | 90.75M | -37.54M | -31.80M | -35.20M |
| Interest expense | 57.58M | 52.69M | 23.41M | 5.44M | 5.18M |
| Tax provision | 3.53M | 2.05M | 5.04M | 4.92M | 3.67M |
| Interest income | 117.70M | 103.66M | 84.62M | 63.44M | 58.33M |
| Net interest income | 60.12M | 50.98M | 61.22M | 58.01M | 53.15M |
| Income tax expense | 3.53M | 2.05M | 5.04M | 4.92M | 3.67M |
| Total revenue | 132.94M | 117.57M | 73.36M | 70.14M | 62.81M |
| Total operating expenses | 39.37M | 37.30M | -37.54M | -31.80M | -35.20M |
| Cost of revenue | 58.90M | 53.45M | - | - | - |
| Total other income expense net | -4.53M | -0.93M | - | -5.44M | -5.18M |
| Net income from continuing ops | 31.14M | 24.77M | 30.79M | 27.99M | 23.94M |
| Net income applicable to common shares | - | - | 30.79M | 27.99M | 23.94M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Total assets | 3040.61M | 2825.79M | 2698.28M | 2571.74M | 2200.34M |
| Other current assets | -1791.61M | 207.50M | 12.25M | 8.92M | -113.33M |
| Total liab | 2801.77M | 2619.79M | 49.49M | 2414.03M | 2050.75M |
| Total stockholder equity | 238.84M | 206.00M | 183.28M | 157.71M | 149.58M |
| Other current liab | 2639.84M | 2389.22M | - | -123.70M | -3.00M |
| Common stock | 1.72M | 1.72M | 0.03M | 0.86M | 0.86M |
| Capital stock | 1.72M | 1.72M | 1.72M | 0.86M | 0.86M |
| Retained earnings | 241.40M | 214.74M | 193.72M | 165.13M | 139.78M |
| Other liab | - | - | 18.48M | 16.11M | 13.72M |
| Other assets | 2839.72M | -6.46M | 1181.05M | 897.10M | 745.09M |
| Cash | 184.50M | 193.23M | 201.02M | 73.12M | 154.33M |
| Total current liabilities | 2713.84M | 2504.52M | 2445.21M | 123.70M | 3.00M |
| Net debt | -56.45M | 5.91M | -151.53M | 99.89M | -131.68M |
| Short term debt | 74.00M | 115.30M | - | 123.70M | 3.00M |
| Short long term debt | 74.00M | 115.30M | 0.00M | 123.70M | 3.00M |
| Short long term debt total | 128.06M | 199.14M | 49.49M | 173.01M | 22.64M |
| Other stockholder equity | 9.25M | 9.25M | 10.94M | 10.11M | 10.11M |
| Property plant equipment | - | - | 17.22M | 14.36M | 14.14M |
| Total current assets | 520.73M | 557.50M | 494.40M | 490.10M | 553.00M |
| Long term investments | 1132.61M | 1040.68M | 1007.80M | 1170.19M | 888.11M |
| Net tangible assets | - | - | 183.28M | 157.71M | 149.58M |
| Short term investments | 319.84M | 350.00M | 281.13M | 408.06M | 390.89M |
| Net receivables | 16.38M | 14.27M | 12.25M | 8.92M | 7.78M |
| Long term debt | 54.06M | 83.84M | 49.49M | 49.31M | 19.64M |
| Inventory | - | -261.94M | 0.30M | 0.07M | 0.06M |
| Accounts payable | - | - | 2437.16M | 2212.60M | 2005.11M |
| Accumulated other comprehensive income | -13.54M | -19.71M | -21.41M | -18.38M | -1.16M |
| Common stock total equity | - | - | - | 0.86M | 0.86M |
| Retained earnings total equity | - | - | - | 165.13M | 139.78M |
| Treasury stock | - | - | - | -0.91M | -0.91M |
| Non currrent assets other | 84.62M | 81.78M | -1022.83M | -1184.55M | -902.25M |
| Non current assets total | 2519.88M | 2268.29M | 1022.83M | 1184.55M | 902.25M |
| Long term debt total | - | - | - | 49.31M | 19.64M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Investments | -210.17M | -129.24M | 0.66M | -458.63M | -283.39M |
| Change to liabilities | - | - | 0.00M | 5.95M | 2.29M |
| Total cashflows from investing activities | -210.17M | -129.24M | 0.66M | -471.18M | -417.14M |
| Net borrowings | -71.27M | 149.46M | -123.70M | 26.50M | -2.91M |
| Total cash from financing activities | 174.87M | 98.28M | 98.67M | 355.06M | 498.70M |
| Change to operating activities | - | - | 0.39M | 6.13M | 1.93M |
| Net income | 31.14M | 24.77M | 30.79M | 27.99M | 23.94M |
| Change in cash | -7.32M | -6.05M | 127.44M | -80.77M | 109.31M |
| Begin period cash flow | 190.40M | 196.44M | 69.01M | 149.78M | 40.46M |
| End period cash flow | 183.08M | 190.40M | 196.44M | 69.01M | 149.78M |
| Total cash from operating activities | 27.98M | 24.91M | 28.11M | 35.35M | 27.75M |
| Depreciation | 1.06M | 0.93M | 0.87M | 0.83M | 0.78M |
| Other cashflows from investing activities | -125.47M | -96.31M | 5.32M | -11.50M | -39.56M |
| Dividends paid | 4.47M | 3.24M | -2.19M | -2.63M | -2.43M |
| Change to account receivables | -2.11M | -2.02M | -3.33M | -1.14M | 0.43M |
| Sale purchase of stock | - | - | - | - | 0.00M |
| Other cashflows from financing activities | 250.61M | -47.94M | 224.56M | 360.70M | 508.73M |
| Change to netincome | - | - | 0.07M | 1.29M | 1.22M |
| Capital expenditures | 0.69M | 1.51M | 1.54M | 1.05M | 1.25M |
| Change receivables | - | - | - | -1.14M | 0.43M |
| Cash flows other operating | - | - | - | 0.21M | -0.97M |
| Cash and cash equivalents changes | - | - | - | -80.77M | 109.31M |
| Change in working capital | -3.15M | -0.09M | -4.06M | 4.99M | 1.75M |
| Stock based compensation | - | 3.62M | 1.82M | - | 3.74M |
| Other non cash items | -0.37M | -0.62M | -1.16M | 2.23M | -0.42M |
| Free cash flow | 27.29M | 23.40M | 26.57M | 34.30M | 26.50M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| GCBC Greene County Bancorp Inc |
0.29 0.80% |
36.42 | 10.93 | 13.70 | 4.79 | 1.55 | 7.28 |
| DBSDY DBS Group Holdings Ltd ADR |
4.37 2.02% |
220.25 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.05 0.14% |
34.68 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
302 Main Street, Catskill, NY, United States, 12414
518 943 2600
190
| Name | Title | Year Born |
|---|---|---|
| Mr. Donald E. Gibson | Pres, CEO & Director | 1965 |
| Ms. Michelle M. Plummer CPA, CGMA, CPA | Sr. EVP, CFO, COO & Director | 1966 |
| Ms. Martha Keeler | VP & Marketing Director | NA |
| Ms. Susan Timan | VP of e-Communications & Corp. Sec. | NA |
| John Antalek | Exec. VP & Commercial Chief Lending Officer | NA |
| Mr. Donald E. Gibson | President, CEO & Director | 1965 |
| Ms. Michelle M. Plummer CPA, CGMA | Senior EVP, CFO, COO & Director | 1966 |
| John Antalek | Executive Vice President | NA |
| Mr. Nick Barzee CPA | Senior VP & CFO | 1986 |
| Mr. John Antalek | Executive VP & Chief Lending Officer | 1975 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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