GCBC
Greene County Bancorp, Inc.Financial Services·Banks - Regional
$26.24
$447M market cap
Revenue
$143.0M
Free Cash Flow
$36.3M
Rev Growth
+0.0%
FCF Margin
25.4%
P/FCF
12.3x
EV/FCF
1.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as l
2-Year Price History
$25.07-16.2%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q3 | 36.3 | 12.2 | 12.2 | 10.5 | 10.7 | 10.7 | -0.0 | 492.7 | 107.3 | 17.0 | 20.1% | 1.0x | -- |
| Act | 2026-Q2 | 36.7 | 11.6 | 11.6 | 10.3 | 6.4 | 6.2 | -0.2 | 510.2 | 214.1 | 17.0 | 13.3% | 0.8x | -- |
| Act | 2026-Q1 | 35.6 | 10.5 | 10.2 | 8.9 | 7.0 | 6.6 | -0.4 | 471.3 | 54.1 | 17.0 | 25.4% | 0.7x | -- |
| Act | 2025-Q4 | 34.5 | 11.2 | 11.0 | 9.3 | 13.2 | 12.9 | -0.3 | 504.3 | 128.1 | 17.0 | 18.1% | 0.8x | -- |
Historical Valuation
Multiples vs the company's own history — cheap or rich relative to itself? Historical fiscal years, then TTM, then forward projections (E). Forward rows hold today's price against projected earnings, so the multiple compresses if the company grows into it.
| Year | Price | Rev Gr | EBITDA % | EBITDA | EV/EBITDA | EV/FCF | P/E | P/S |
|---|---|---|---|---|---|---|---|---|
| TTM | 26.24 | 0.0% | 31.8% | 45 | 0.0× | 0.0× | 0.0× | 0.0× |
EBITDA in reporting-currency $M. Historical multiples use year-end market cap (split-adjusted price history); TTM & forward years use today's.
Valuation & Metrics
Market Stats
Price$26.24
Market Cap$447M
Enterprise Value$61M
P/S Ratio3.1x
P/FCF12.3x
EV/FCF1.7x
FCF Margin (TTM)25.4%
FCF Yield8.1%
Dividend Yield (TTM)1.9%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$143.0M
Net Income$39.0M
Free Cash Flow$36.3M
Revenue Growth (YoY)+0.0%
EBITDA Margin31.7%
Net Margin27.3%
FCF Margin25.4%
CapEx % of Revenue0.6%
SBC % of Revenue0.0%
ROIC19.2%
WC Change % Rev-2.6%
Interest Coverage0.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover3.4
Change (vs Prior)-5.3%
Need at least 2 settlement dates for chart
Employees
Headcount189
Revenue / Employee$756,841
Gross Profit / Employee$460,582
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
3.6%(-2.5% YoY)
61 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
8.0%(+0.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $15.2M | $27.27 | −$236K | +$4.2M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $6.7M | $22.32 | +$6.7M | +$6.7M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $3.7M | $23.20 | −$81K | +$58K | +2.3% | $1.61T |
| STATE STREET CORPPassive | $2.9M | $23.94 | +$9K | +$71K | -0.2% | $2.89T |
| DIMENSIONAL FUND ADVISORS LPPassive | $2.1M | $24.35 | +$22K | +$376K | -0.4% | $480.92B |
| Covalent Partners LLC | $1.5M | $22.25 | +$134K | +$1.5M | -1.1% | $11.3M |
| GOLDMAN SACHS GROUP INC | $1.5M | $23.37 | +$41K | +$1.1M | -0.2% | $760.93B |
| Angel Oak Capital Advisors, LLC | $1.4M | $23.54 | +$22K | +$426K | -2.8% | $83.6M |
| VANGUARD FIDUCIARY TRUST COPassive | $1.2M | $22.32 | +$1.2M | +$1.2M | — | $395.83B |
| RENAISSANCE TECHNOLOGIES LLC | $1.1M | $23.47 | +$29K | −$83K | +1.2% | $63.91B |
| NORTHERN TRUST CORPPassive | $1.1M | $22.85 | +$36K | −$311K | -0.2% | $755.34B |
| HSBC HOLDINGS PLC | $968K | $22.41 | +$12K | +$689K | -0.1% | $167.40B |
| LPL Financial LLC | $961K | $27.08 | +$0 | +$206K | -0.2% | $372.65B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $926K | $22.32 | +$922K | +$926K | — | $1.91T |
| RAYMOND JAMES FINANCIAL INC | $783K | $22.30 | −$37K | +$783K | -0.0% | $322.69B |
| MORGAN STANLEY | $773K | $24.60 | −$126K | +$38K | -0.3% | $1.65T |
| BARCLAYS PLC | $640K | $24.36 | −$207K | +$360K | -0.1% | $279.69B |
| Bank of New York Mellon Corp | $580K | $22.56 | −$20K | +$190K | -0.2% | $543.21B |
| MILLENNIUM MANAGEMENT LLC | $530K | $23.06 | −$286K | −$716K | -0.5% | $127.40B |
| STONERIDGE INVESTMENT PARTNERS LLC | $507K | $25.14 | +$0 | +$151K | +0.1% | $138M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.38%
avg per quarter
Holders (ex-self)
-0.37%
excl. this stock
Buyers (this Q)
-0.68%
29 buyers · $0.01B in
Sellers (this Q)
-0.29%
31 sellers · $0.00B out
alpha coverage: 82% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+11.7%
how holders react when this stock falls
On quiet Qs
+2.8%
−10% to +10% baseline
On rallies (+10%+)
-13.4%
how they react when this stock rises
Holders' portfolio flow this Q
+4.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+2.2%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-5.2%
Holder mid (any stock)
-2.8%
Holder rally (any stock)
-5.8%
Biggest decreases this quarter
NewEdge Advisors, LLCexited−$2.6MMILLENNIUM MANAGEMENT LLC−$286Kα-0.5BlackRock, Inc.−$236Kα-0.2BARCLAYS PLC−$207Kα-0.1MORGAN STANLEY−$126Kα-0.3GEODE CAPITAL MANAGEMENT, LLC−$81Kα+2.3RAYMOND JAMES FINANCIAL INC−$37Kα-0.0CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$34Kα+0.7Bank of New York Mellon Corp−$20Kα-0.2AQR CAPITAL MANAGEMENT LLC−$17Kα-0.2
New buyers this quarter
Top-5 holders · 62.0%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
GEODE CAPITAL MANAGEMENT, LLC--
STATE STREET CORP--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
FMR LLC229MARSHALL WACE, LLP—NewEdge Advisors, LLC—UBS Group AG2KCITADEL ADVISORS LLC11KSTIFEL FINANCIAL CORP—MILLENNIUM MANAGEMENT LLC24KInvesco Ltd.—Bank of New York Mellon Corp26KCovalent Partners LLC69K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$648K
17 txns · 8 insiders · 28,776 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-04-28 | BUY | Brust John | director | 2,041 | $24.50 | $50K | $152K |
| 2026-04-27 | BUY | Brust John | director | 2,080 | $24.05 | $50K | $101K |
| 2026-03-18 | BUY | Hada Tejraj S | director | 4,000 | $21.95 | $88K | $778K |
| 2026-03-18 | BUY | Hogan Peter W. | director | 3,000 | $22.10 | $66K | $1.66M |
| 2026-03-17 | BUY | Hada Tejraj S | director | 2,000 | $21.99 | $44K | $691K |
| 2026-03-05 | BUY | Barzee Nick | officer: SVP and CFO | 1,280 | $22.55 | $29K | $102K |
| 2026-03-02 | BUY | Cannucciari Christopher | director | 1,300 | $22.05 | $29K | $97K |
| 2025-11-18 | BUY | Hada Tejraj S | director | 3,000 | $21.96 | $66K | $613K |
| 2025-11-18 | BUY | Antalek John | officer: EVP and CLO | 1,500 | $22.00 | $33K | $166K |
| 2025-11-14 | BUY | Hada Tejraj S | director | 366 | $22.00 | $8K | $548K |
| 2025-11-05 | BUY | Hada Tejraj S | director | 1,500 | $22.52 | $34K | $553K |
| 2025-11-04 | BUY | Hada Tejraj S | director | 45 | $22.20 | $999 | $512K |
| 2025-11-03 | BUY | Hada Tejraj S | director | 235 | $21.80 | $5K | $502K |
| 2025-10-29 | BUY | Cannucciari Christopher | director | 423 | $22.79 | $10K | $70K |
| 2025-10-29 | BUY | Gibson Donald E | director, officer: President and CEO | 1,000 | $21.88 | $22K | $22K |
| 2025-10-28 | BUY | Cannucciari Christopher | director | 706 | $22.91 | $16K | $61K |
| 2025-10-24 | BUY | Cahalan Jay P. | director | 4,300 | $22.73 | $98K | $805K |
Order Flow (FINRA, ~3w lag)
21.6%retail+5.7pp
10.8%dark+3.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Greene County Bancorp: Wholesale Funding Surge and Executive Benefit Concentration
Overall Risk
4/10
Fraud
2/10
Dilution
1/10
Insolvency
4/10
Earnings Overstated
3/10
Hidden Liabilities
5/10
Legal
2/10
Audit Warnings
2/10
Hidden Upside
3/10
Contextually Acceptable
8/10