# Greene County Bancorp Inc. (GCBC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $35.87, market value $611 million.

## Valuation
- **P/E (trailing): 13.7×** (5-yr avg 15.5×, 3-yr avg 16.1×). Greene County Bancorp Inc. trades at 13.7× trailing earnings, close to its own five-year average of 15.5×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 148.3×**. Each dollar of revenue is priced at 148.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.8%** (5-yr avg 6.7%). Free cash flow equals 6.8% of the market value, in line with its five-year average of 6.7%. Above 5% is generally attractive.
- **Earnings yield: 7.3%**. The inverse of the P/E: 7.3% of the price is earned each year.

## Profitability
- **Return on equity: 14.8%**. 14.8% on shareholders' equity is solid.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 31.7%** (3-yr 10.0%/yr, 5-yr 11.4%/yr). Earnings per share rose 31.7%.
- **Free-cash-flow growth (3 yr): 16.1%/yr**. Free cash flow has compounded at 16.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.22%** ($0.42 per share, trailing). Greene County Bancorp Inc. yields 1.22%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 10%** (10% of free cash flow). 10% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 10.6%/yr** (1-yr 11.8%). The dividend has compounded at 10.6% a year over five years, doubling roughly every 7 years at that pace.

## Price and momentum
- **Total return (1 yr): 68.8%** (YTD 66.0%, 3-mo 7.0%). The shares are up 68.8% over twelve months including dividends.
- **From 52-week high: -3.7%** (67.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.38** (volatility 30%). Beta of 0.38 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GCBC · Page: https://foliofundamentals.com/stocks/gcbc

Not investment advice.