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Stock

Greene County Bancorp

GCBC
70
Banks - Regional · Financial Services
Price
$34.48
+0.23 (+0.67%)
Market Cap
$587.0M
Exchange
NASDAQ
Winston Score
70
Winston is happy
A high-quality business with solid fundamentals.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Exceptional
17/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Good
5/10
Ownership
Good
10/15
Dividends
Good
3/5

35 of 50 counted points = Winston Score 70. Pillars marked n/a do not apply to this company and are left out of the total.

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§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

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

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

59.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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.

Share count broadly stable

−0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 17.0M (2022) → 17.0M (2026)

Score breakdown

Every number that matters to educated investors.

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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

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
14.3x
Attractive valuation — P/E 14.3

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

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Dividends

Dividend
Dividend Yield
1.28%
Small dividend — 1.28% yield

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

Dividend record
Dividend Growth
+10.8%
Dividend growing fast (10.8% YoY)
Payout Ratio
10%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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