Greene County Bancorp

GCBC

Banks - Regional · Financial Services

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Exceptional

Valuation

Good

Dividends

Good

Track this stock — start free trial

Winston Score History

The full picture

Greene County Bancorp is a small regional bank holding company based in Catskill, New York. It operates The Bank of Greene County and Greene County Bancorp's subsidiary savings bank, offering everyday banking services like checking and savings accounts, mortgages, and loans to individuals and small businesses. The company mainly serves communities in the Hudson Valley and surrounding areas of upstate New York.

The company makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. With a market cap around $0.6 billion, it is a community-focused institution, which gives it strong local relationships but limits its ability to compete with larger national banks on technology and pricing. The main risk Greene County Bancorp faces is interest rate sensitivity — when rates shift, the gap between what it pays depositors and what it earns on loans can shrink, putting pressure on profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+21.8% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

59.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$3.4B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Greene County Bancorp is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+9.7%

Steady sales growth (+9.7% YoY)

Profit growth

EPS YoY

+31.7%

Earnings growing fast (+31.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

14.4x

no trend

Attractive valuation — P/E 14.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

1.20%

no trend

Small dividend — 1.20% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+10.8%

no trend

Dividend growing fast (10.8% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial