Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
GCBC 
Greene County Bancorp Inc (GCBC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: GCBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.72% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 390.42M USD | Price to earnings Ratio 13.73 | 1Y Target Price - |
Price to earnings Ratio 13.73 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.48 | 52 Weeks Range 19.92 - 36.78 | Updated Date 06/29/2025 |
52 Weeks Range 19.92 - 36.78 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.57% | Basic EPS (TTM) 1.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.11% | Operating Margin (TTM) 48.96% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 13.33% |
Valuation
Trailing PE 13.73 | Forward PE - | Enterprise Value 326593152 | Price to Sales(TTM) 5.62 |
Enterprise Value 326593152 | Price to Sales(TTM) 5.62 | ||
Enterprise Value to Revenue 6.78 | Enterprise Value to EBITDA - | Shares Outstanding 17026800 | Shares Floating 6912211 |
Shares Outstanding 17026800 | Shares Floating 6912211 | ||
Percent Insiders 59.34 | Percent Institutions 14.49 |
Upturn AI SWOT
Greene County Bancorp Inc
Company Overview
History and Background
Greene County Bancorp, Inc. is the holding company for The Greene County Savings Bank, a community-oriented financial institution. Founded in 1889, the bank has a long history of serving the financial needs of individuals and businesses in Greene County, New York and surrounding areas. It has expanded its services and reach over the years, maintaining a focus on personalized customer service and community involvement.
Core Business Areas
- Retail Banking: Offers checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs) to individuals and families.
- Commercial Banking: Provides loans and deposit products to small businesses and commercial enterprises, including commercial real estate loans, business lines of credit, and term loans.
- Residential Mortgage Lending: Originates and services residential mortgage loans, including fixed-rate and adjustable-rate mortgages, for home purchases and refinancing.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is hierarchical, with various departments reporting to the executive team. The Board of Directors provides oversight and guidance to the management team.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Fixed and adjustable-rate mortgages. Market share in Greene County, NY is estimated at 10%. Competitors include large national banks and regional banks such as Bank of America (BAC), JPMorgan Chase (JPM), and KeyCorp (KEY).
- Commercial Real Estate Loans: Loans for commercial properties. Estimated market share in the region is 8%. Competitors include regional banks like M&T Bank (MTB) and local credit unions.
- Checking and Savings Accounts: Traditional banking products. Account penetration in Greene County is estimated at 20%. Competitors include online banks and other local banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and technological disruption. Community banks are facing challenges from larger institutions and fintech companies.
Positioning
Greene County Bancorp Inc. positions itself as a community-focused bank with strong relationships with its customers. Its competitive advantages include local expertise, personalized service, and a strong reputation in the community.
Total Addressable Market (TAM)
The total addressable market for banking services in Greene County and surrounding areas is estimated at $5 billion. Greene County Bancorp Inc. is well-positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- High customer loyalty
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking products
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for local banking services
- Acquisition of smaller institutions
Threats
- Competition from larger banks
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- JPMorgan Chase (JPM)
- KeyCorp (KEY)
- M&T Bank (MTB)
Competitive Landscape
Greene County Bancorp Inc. faces competition from larger national and regional banks, as well as credit unions and online lenders. Its advantages include a strong local presence and personalized service, while its disadvantages include a smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Requires specific year-based data which cannot be dynamically accessed.
Future Projections: Requires specific year-based data which cannot be dynamically accessed.
Recent Initiatives: Recent initiatives include expanding online banking services and investing in technology to improve customer experience.
Summary
Greene County Bancorp Inc. is a stable community bank with deep roots in its local market. Its strengths lie in its customer relationships and local expertise. However, it faces challenges from larger competitors and the changing banking landscape and needs to continually adapt to the marketplace to compete effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market research
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Greene County Bancorp Inc
Exchange NASDAQ | Headquaters Catskill, NY, United States | ||
IPO Launch date 1998-12-31 | President, CEO & Director Mr. Donald E. Gibson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 189 | |
Full time employees 189 | |||
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's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. It also offers loan products, such as residential, construction and land, and multifamily loans; commercial real estate mortgage loans; 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, the company engages in provision of transaction processing and investment brokerage services through third-party service provider; and investment and sale of securities; and operates banking office, lending centers, operations center, customer call center, and 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.