GCBC - NASDAQ

Greene County Bancorp, Inc.

GCBC·NASDAQ

$25.56

-1.3%

Financial ServicesBanks - Regional

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$435.17M

EPS1.8300

P/E Ratio13.97

Earnings Date07/22/2026

3.04B

Assets

3Y+18.0%

5Y+81.0%

10Y+250.0%

2.80B

Total Liabilities

3Y+16.0%

5Y+81.0%

10Y+253.0%

238.84M

Total Equity

16%

3Y+51.0%

5Y+85.0%

10Y+221.0%

Greene County Bancorp, Inc. Funding & Solvency Profile

GCBC · NASDAQ

Current Assets

Cash & Cash Equivalents184.50M

Net Receivables16.38M

Inventory0.00

Other Current Assets0.00

Total Current Assets521 M

Non-Current Assets

Property, Plant & Equipment15.23M

Goodwill & Intangible Assets0.00

Long-Term Investments2.42B

Other Non-Current Assets84.62M

Total Non-Current Assets3 B

Total Assets

3.04B

Financial Health Analysis

Current Ratio

0.19x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

11.73x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2193110000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

17% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Greene County Bancorp, Inc. Balance Sheet

GCBC • NASDAQ

Greene County Bancorp, Inc. Balance Sheet	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010	Jun 2009	Jun 2008	Jun 2007	Jun 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	184.5M	193.2M	201M	73.1M	154.3M	44.5M	32.4M	28.9M	18.4M	18.1M	16.8M	14.1M	6.5M	7.5M	10M	10.6M	9.6M	7.3M	11.1M	12.2M
Short-Term Investments	319.8M	350M	281.1M	408.1M	390.9M	226.7M	122.7M	120.8M	91.5M	100.1M	86M	56.2M	69.6M	87.5M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	504.3M	543.2M	482.2M	481.2M	545.2M	271.2M	155.1M	149.7M	109.9M	118.2M	102.8M	70.2M	76.1M	95M	10M	10.6M	9.6M	7.3M	11.1M	12.2M
Net Receivables	16.4M	14.3M	12.2M	8.9M	7.8M	8.2M	5.9M	5.1M	4M	3.6M	3M	2.7M	2.7M	2.7M	2.7M	2.7M	2.4M	2.1M	2M	1.7M
Accounts Receivables	16.4M	14.3M	12.2M	8.9M	7.8M	8.2M	5.9M	5.1M	4M	3.6M	3M	2.7M	2.7M	2.7M	2.7M	2.7M	2.4M	2.1M	2M	1.7M
Prepaids	0.0	0.0	17.5M	15.2M	8.5M	5M	3.2M	2.6M	3.8M	1.9M	2.5M	3.6M	2.8M	2.7M	1.7M	2.4M	1.2M	0.0	0.0	0.0
Total Current Assets	520.7M	557.5M	511.9M	505.3M	561.5M	284.5M	164.2M	157.3M	117.7M	123.8M	108.3M	76.6M	81.6M	100.4M	14.4M	15.7M	13.2M	9.4M	13.1M	14M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	15.2M	15.6M	15M	14.4M	14.1M	13.7M	13.3M	13.3M	13.6M	14.2M	14.5M	14.3M	14.3M	14.9M	15.4M	14.8M	15.3M	15.1M	13.7M	10.8M
Long-Term Investments	2.4B	2.2B	2.1B	2B	1.6B	1.4B	1.1B	979.2M	848M	727.7M	612.5M	581.3M	535.9M	473.1M	515.3M	462.9M	429.5M	351.6M	294.5M	277.4M
Other Non-Current Assets	84.6M	81.8M	57M	60.6M	41.6M	1.2M	1.8M	1.7M	2.9M	3.1M	3.3M	2M	1.7M	2.2M	2.4M	1.9M	2.5M	3.5M	4.6M	5.4M
Total Non-Current Assets	2.5B	2.3B	2.2B	2.1B	1.6B	1.4B	1.1B	994.2M	864.6M	745M	630.4M	597.6M	552M	490.3M	534.4M	481.9M	447.3M	368.1M	312.7M	293.6M
Total Assets	3B	2.8B	2.7B	2.6B	2.2B	1.7B	1.3B	1.2B	982.3M	868.8M	738.6M	674.2M	633.6M	594.1M	547.5M	495.3M	460.5M	379.6M	325.8M	307.6M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	28.3M	28.4M	23M	21.4M	14.9M	11.9M	9.7M	9.2M	7.3M	5.7M	4.5M	5.1M	3.2M	3M	2.5M	0.0	0.0	0.0
Short Term Debt	74M	115.3M	455K	123.7M	3M	17.9M	8M	0.0	6.9M	26.1M	22.9M	3.2M	10.6M	14M	14.3M	9.1M	0.0	1M	0.0	0.0
Other Current Liabilities	2.6B	2.4B	2.4B	2.2B	2B	1.5B	1.1B	1B	859.5M	738.9M	622.7M	589.6M	558.4M	511.9M	469.9M	421.7M	398.7M	321.4M	284.2M	268.3M
Total Current Liabilities	2.7B	2.5B	2.5B	2.4B	2B	1.5B	1.1B	1B	876.1M	774.2M	652.9M	598.5M	573.5M	531M	487.4M	433.8M	401.3M	322.4M	284.2M	268.3M
NON-CURRENT LIABILITIES
Long Term Debt	54.1M	83.8M	49.5M	49.3M	19.6M	7.6M	13.6M	18.2M	22.7M	20.3M	18.8M	14.5M	4M	7M	12M	17M	19M	19M	5M	5M
Other Non-Current Liabilities	33.9M	31.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.9M	1.2M	734K
Total Non-Current Liabilities	87.9M	115.3M	49.5M	49.3M	19.6M	7.6M	13.6M	18.2M	22.7M	20.3M	18.8M	14.5M	4M	7M	12M	17M	19M	20.9M	6.2M	5.7M
Capital Lease Obligations	0.0	0.0	1.8M	1.7M	1.6M	1.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.8B	2.6B	2.5B	2.4B	2.1B	1.5B	1.2B	1.1B	898.8M	794.5M	671.7M	613M	577.5M	541.5M	499.4M	450.8M	420.3M	343.3M	290.4M	274M
SHAREHOLDERS' EQUITY
Treasury Stock	-908K	-908K	-908K	-908K	-908K	-908K	-277K	-277K	-410K	-512K	-629K	-694K	-853K	-928K	-1.2M	-1.4M	-1.5M	-1.6M	-828K	-860K
Common Stock	1.7M	1.7M	1.7M	1.7M	861K	861K	861K	861K	861K	861K	431K	431K	431K	431K	431K	431K	431K	431K	431K	431K
Additional Paid-In Capital	10.2M	10.2M	10.2M	10.2M	11M	11M	11M	11M	11M	10.9M	11.2M	11.2M	11.2M	11.1M	11M	10.7M	10.5M	10.3M	10.3M	10.3M
Retained Earnings	241.4M	214.7M	193.7M	165.1M	139.8M	118.3M	101.8M	86.2M	73.1M	63.8M	56.7M	51.3M	46.1M	41.9M	37.3M	33.7M	30M	27.2M	26M	24.6M
Accumulated Other Comprehensive Income/Loss	-13.5M	-19.7M	-21.4M	-18.4M	-1.2M	-428K	-1M	-1.6M	-992K	-725K	-798K	-1.1M	-750K	173K	519K	1.1M	792K	-28K	-469K	-878K
Total Stockholders' Equity	238.8M	206M	183.3M	157.7M	149.6M	128.8M	112.4M	96.2M	83.5M	74.3M	66.9M	61.2M	56.1M	52.7M	48.1M	44.5M	40.3M	36.3M	35.4M	33.6M
Total Equity	238.8M	206M	183.3M	157.7M	149.6M	128.8M	112.4M	96.2M	83.5M	74.3M	66.9M	61.2M	56.1M	52.7M	48.1M	44.5M	40.3M	36.3M	35.4M	33.6M
SUMMARY
Total Liabilities & Equity	3B	2.8B	2.7B	2.6B	2.2B	1.7B	1.3B	1.2B	982.3M	868.8M	738.6M	674.2M	633.6M	590.7M	547.5M	495.3M	460.5M	379.6M	325.8M	307.6M
Total Investments	2.7B	2.5B	2.4B	2.4B	2B	1.6B	1.2B	1.1B	939.5M	827.8M	698.5M	637.4M	605.6M	560.7M	515.3M	462.9M	429.5M	351.6M	294.5M	277.4M
Total Debt	128.1M	199.1M	49.5M	173M	22.6M	25.5M	21.6M	18.2M	29.6M	46.4M	41.7M	17.7M	14.6M	21M	26.3M	26.1M	19M	20M	5M	5M
Net Debt	-56.4M	5.9M	-151.5M	99.9M	-131.7M	-19M	-10.8M	-10.7M	11.1M	28.3M	24.9M	3.6M	8.1M	13.5M	16.3M	15.5M	9.4M	12.7M	-6.1M	-7.2M
Shares Outstanding	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824	17,026,824

SEC Filings

GCBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 15, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 20, 2026	March 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 09, 2026	March 09, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 21, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 371 filings

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