Greene County Bancorp, Inc. (GCBC)

Over the past six months, Greene County Bancorp's stock experienced a decline of 13.24% from March 10, 2025, but saw a 0.75% rise over the last month and a 0.44% rise over the last six months as of a March 2026 report. The company announced a cash dividend on January 21, 2026, and reported a record net income of $10.3 million for the quarter ended December 31, 2025. For the six months ended December 31, 2025, net income reached $19.2 million. The net interest margin increased by 50 basis points to 2.54% for the three months ended December 31, 2025. The company's efficiency ratio was 46.9% for the six months ended December 31, 2025. In December 2025, Greene County Bancorp, Inc. was recognized as a Top-Performing Bank in Piper Sandler's Class of 2025 Bank & Thrift Small-Cap All Stars. Insider buying activity was reported in October and November 2025. In July 2025, the Board of Directors approved an increase in the quarterly cash dividend to $0.10 per share.

Specific demand seasonality for Greene County Bancorp, Inc.'s products and services is not explicitly detailed, but the regional banking sector can experience seasonal fluctuations. Marketing efforts for bank products often have a seasonal rhythm, with September and October identified as effective times. December is generally considered the most challenging month for marketing bank products. Tax season can also influence demand. Regional banks tend to be cyclical.

Greene County Bancorp, Inc. offers a range of financial services, including deposit accounts like savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans, commercial real estate mortgages, and consumer loans. The company also provides transaction processing and investment brokerage services and invests in state and political subdivision securities and mortgage-backed securities.

Greene County Bancorp, Inc. primarily serves New York's Hudson Valley and Capital Region, concentrating its market area around Greene, Columbia, Albany, and Ulster Counties in New York State. It operates through full-service banking offices, lending centers, an operations center, a customer call center, an administration center, and a wealth management center. Recent expansion includes new branches in Colonie (opened March 2024) and Clifton Park (opened October 2025) within New York's Capital Region.

Greene County Bancorp, Inc. has maintained a strong brand reputation, being named a "Top-Performing Bank in Piper Sandler's Class of 2025 Bank & Thrift Small-Cap All Stars" in December 2025, an accolade it has received nine times since 2004. The company has also been recognized as the #1 Commercial Mortgage Lender in the Capital Region and one of the fastest-growing companies over $100 million by the Albany Business Review in 2025.

Greene County Bancorp, MHC owns 54.1% of the issued and outstanding common stock. The company has 96 institutional owners and shareholders holding a total of 2,407,272 shares, including major holders like BlackRock, Inc. and Vanguard Group Inc. Individual insiders hold approximately 5.21% of the shares, while the general public holds about 26.8%.