Greene County Bancorp shows strong growth and margin quality at a reasonable growth-adjusted valuation, but an overbought technical setup near exhausted upside argues for holding rather than adding.
Thesis pillars
- Strong Growth And Margins↑Improving
- Cheap Growth Adjusted Valuation↑Improving
- Overbought Momentum Exhausted Upside↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 5, 2026, based on the 10-K filed Sep 9, 2026
Greene County Bancorp, Inc. (GCBC) Stock Analysis
Breakout setup · Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $35.46, but acceptable to hold if already in. Reason: Near 52-week high (4.8% away).
Greene County Bancorp holds the Bank of Greene County, a federal savings bank in Catskill, New York, with 19 offices in the Hudson Valley and Capital District. It had $3.18 billion of assets and $2.71 billion of deposits at June 30, 2026. Revenue comes mainly from interest on... Read more
Hold if already holding. Not a fresh buy at $35.46, but acceptable to hold if already in. Reason: Near 52-week high (4.8% away). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Score 7.2/10, high confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost earnings 0.70, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.
About Greene County Bancorp, Inc.
About Greene County Bancorp, Inc.
Greene County Bancorp reported consolidated assets of $3.18 billion, deposits of $2.71 billion, borrowings of $155.1 million, and equity of $277.8 million at June 30, 2026. The holding company's main subsidiary, the Bank of Greene County, operated 19 full-service banking offices and related centers in the Hudson Valley and Capital District of New York. Deposits are insured by the FDIC's Deposit Insurance Fund, and the Federal Reserve Board regulates the mutual holding company that owns 54.1% of the common stock.
The bank attracts retail, commercial, and municipal deposits and invests them, with funds from operations and borrowings, mainly in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans, and commercial business loans. Revenue is derived principally from interest on residential and commercial real estate mortgages, with smaller contributions from consumer and commercial loans, securities, servicing fees, deposit service charges, debit card fees, and bank owned life insurance income. The bank also invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities. Funding comes from deposits, borrowings from the Federal Home Loan Bank of New York, and loan and securities cash flows. Greene County Commercial Bank, a limited-purpose subsidiary that accepts only government deposits, held $1.19 billion of deposits, and the Greene Property Holdings real estate investment trust held $687.4 million of assets. Commercial loan terms generally run 5-10 years and residential terms 10-20 years.
Show full overview
The franchise is anchored in six counties of eastern New York: Greene, Columbia, Albany, Ulster, Rensselaer, and Saratoga. Greene County, with a population of approximately 47,000, is primarily rural and depends on tourism, while Albany County, at approximately 321,000, depends on state government, health care, and higher education. Saratoga County adds advanced technology and manufacturing. The filing states that most mortgage lending is collateralized by property in this market area, so local employment in services, government, and health care, along with regional real estate values, may weigh on credit quality more than national trends. The market also has a high density of competing financial institutions, including online competitors and branches of larger banks with greater resources.
See also: Financial Services · Banks - Regional
From Greene County Bancorp, Inc.'s most recent 10-K filing, extracted October 18, 2026.
Recent developments
updated 2026-10-29Recent Developments — Greene County Bancorp, Inc.
Latest news
- NEWS Greene County Bancorp, Inc. (NASDAQ:GCBC) Declares Dividend Increase - $0.11 Per Share - MarketBeat — MarketBeat positive
- NEWS Greene County Bancorp, Inc. Approves Cash Dividend for the Quarter Ended June 30, 2026, Payable on August 31, 2026 - mar — marketscreener.com neutral
- NEWS Greene County Bancorp Raises Quarterly Cash Dividend - TipRanks — TipRanks positive
- NEWS Greene County Bancorp raises quarterly dividend 10% By Investing.com - Investing.com South Africa — Investing.com South Africa positive
- NEWS Greene County Bancorp approves 10% dividend increase to $0.11 quarterly - TradingView — TradingView positive
Generated 2026-10-29T11:08:51Z.
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicGreene, Columbia, Albany, Ulster, Rensselaer and Saratoga Counties of New York10-K Item 1: 'The primary market areas the Company serves is the Greene, Columbia, Albany, Ulster, Rensselaer and Saratoga Counties of New York State.'
- MEDIUMloan_portfolioresidential and commercial real estate mortgages10-K Item 1: 'revenues are derived principally from the interest on its residential and commercial real estate mortgages'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
2 ceiling hits
Price Targets
Position Sizing
Analyst Consensus
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $35.46, but acceptable to hold if already in. Reason: Near 52-week high (4.8% away). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Resistance target $36.51 (+3.0%), stop $33.74 (−5.1%), A.R:R 0.0:1. Score 7.2/10, high confidence.
Resistance target: $36.51 (+3.0% upside). Resistance target $36.51 (+3.0%), stop $33.74 (−5.1%), A.R:R 0.0:1. Stop-loss: $33.74.
Near 52-week high (4.8% away).
Greene County Bancorp, Inc. trades at a P/E of 13.5 (forward N/A). TrendMatrix value score: 8.9/10. Verdict: Hold.
What does Greene County Bancorp, Inc. do?Greene County Bancorp holds the Bank of Greene County, a federal savings bank in Catskill, New York, with 19 offices in...
Greene County Bancorp holds the Bank of Greene County, a federal savings bank in Catskill, New York, with 19 offices in the Hudson Valley and Capital District. It had $3.18 billion of assets and $2.71 billion of deposits at June 30, 2026. Revenue comes mainly from interest on residential and commercial real estate mortgages and securities; its mutual holding company owns 54.1% of the stock.