# Greene County Bancorp Inc. (GCBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $35.65, market value $607 million.

## Valuation
- **P/E (trailing): 14.8×** (5-yr avg 14.6×, 3-yr avg 16.8×). Greene County Bancorp Inc. trades at 14.8× trailing earnings, close to its own five-year average of 14.6×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 147.4×**. Each dollar of revenue is priced at 147.4×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.2×**. The shares trade at 2.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.0%** (5-yr avg 7.6%). Free cash flow equals 6.0% of the market value, below its five-year average of 7.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Return on equity: 13.0%**. 13.0% on shareholders' equity is solid.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 26.2%** (3-yr 3.7%/yr, 5-yr 10.7%/yr). Earnings per share rose 26.2%.
- **Free-cash-flow growth (3 yr): -7.3%/yr**. Free cash flow has compounded at -7.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.23%** ($0.40 per share, trailing). Greene County Bancorp Inc. yields 1.23%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%** (11% of free cash flow). 14% 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): 54.2%** (YTD 61.7%, 3-mo 29.1%). The shares are up 54.2% over twelve months including dividends.
- **From 52-week high: -1.0%** (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): 0.55** (volatility 34%). Beta of 0.55 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.