Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp's stock has experienced fluctuations with a +1.5% return over the past six months, but a -17.57% year-to-date decrease as of October 2025. The stock had a 3-month performance of -9.04% and a 1-month performance of -1.38%. Key events include a record net income of $31.1 million for fiscal year 2025, a cash dividend increase in July 2025, and expansion plans into Saratoga County. GCBC has underperformed the S&P 500 in the last year, three months, and two-week periods.

Specific details regarding the demand seasonality for Greene County Bancorp's banking products and services are not explicitly provided in the available information. Banking services can experience some seasonality related to economic cycles, holiday spending, tax seasons, and real estate market fluctuations, but no specific trends for GCBC's offerings were found.

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County and its subsidiary, Greene County Commercial Bank, providing a range of financial services including deposit accounts, loans, transaction processing, investment brokerage, and wealth management services.

Greene County Bancorp, Inc. primarily serves the Hudson Valley and Capital Region of New York State, operating through 18 branches and 6 offices, with expansion plans into Saratoga County, including a new Clifton Park office that opened on October 25, 2025.

Greene County Bancorp has a strong brand reputation, 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. It has been named a top bank in the Times Union's Best of the Hudson Valley reader poll and has earned recognition from industry experts, including being named to the KBW Honor Roll for 13 consecutive years. The company celebrated its 135th anniversary and 25th year on the Nasdaq exchange in January 2024 and is committed to community banking and local growth.

Greene County Bancorp, MHC, holds a majority stake of 54.1% of GCBC's shares. Institutional ownership stands at 37.82%, fragmented among entities like FMR LLC and The Vanguard Group. Retail investors own 26% of the shares. A director, Jay P Cahalan, bought 4,300 shares for $97,739.00 on October 24, 2025.