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    Greene County Bancorp (GCBC)

    Market Price (10/21/2026): $34.98 | Market Cap: $595.4 MilSector: Financials | Industry: Regional Banks

    Greene County Bancorp (GCBC)

    Market Price (10/21/2026): $34.98
    Market Cap: $595.4 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, FCF Yield is 7.0%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 45%

    Low stock price volatility
    Vol 12M is 31%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -3.0%, Dist 3Y High is -3.0%

    Weak multi-year price returns
    2Y Excs Rtn is -12%, 3Y Excs Rtn is -26%

    Key risks
    GCBC key risks include [1] significant interest rate exposure due to its portfolio of fixed-rate residential mortgage loans and [2] heightened credit risk from increased loan growth in commercial real estate.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, FCF Yield is 7.0%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 45%
    3 Low stock price volatility
    Vol 12M is 31%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -3.0%, Dist 3Y High is -3.0%
    6 Weak multi-year price returns
    2Y Excs Rtn is -12%, 3Y Excs Rtn is -26%
    7 Key risks
    GCBC key risks include [1] significant interest rate exposure due to its portfolio of fixed-rate residential mortgage loans and [2] heightened credit risk from increased loan growth in commercial real estate.

    GCBC in ETFs

    Weight = GCBC's share of each fund

    VTI0.00%
    IWM0.01%
    AVUV0.01%
    VTWO0.01%
    DFAS0.00%
    IWO0.00%
    IWN0.00%
    DFAC0.00%

    Valuation & Metrics

    null
    GCBCS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q22.0%9.3%
    Rev Chg LTM22.9%8.3%
    Rev Chg 3Y Avg9.1%5.9%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM45.7%21.8%
    Net Inc Mgn44.3%13.3%
    VALUATIONMODERATE
    P/S6.43.1
    P/CFO14.115.1
    P/FCF14.319.8
    P/E14.523.0

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Full-Service Offices186242025Link
    Net Interest Margin2.48%9302025Link
    Return on Average Assets1.21%9302025Link
    Return on Average Equity14.59%9302025Link
    Book Value per Share$14.589302025Link
    Number of Banking Offices179302020Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 10/1/2026

    Greene County Bancorp (GCBC) stock has gained about 5% since 6/30/2026 because of the following key factors:

    1. Strong Fiscal Year 2026 Financial Performance: Greene County Bancorp reported record net income of $41.022 million for the fiscal year ended June 30, 2026, marking a 32% increase compared to the previous fiscal year. Diluted earnings per share also rose to $2.41 for fiscal 2026, up from $1.83 in fiscal 2025. These robust results, announced in July 2026 and further detailed in the 10-K filing in September 2026, provided significant fundamental support for the stock price, anchoring it around its levels.

    2. Commitment to Shareholder Returns: The company demonstrated a commitment to returning value to shareholders by increasing its cash dividend by 10% to $0.11 per share, announced in July 2026. Additionally, a stock repurchase program authorizing the buyback of up to 400,000 shares had been adopted in April 2026. These capital allocation strategies likely enhanced investor confidence and provided a floor for the stock price.

    Show more
    Updated on 10/1/2026

    Greene County Bancorp (GCBC) stock has gained about 5% since 6/30/2026 because of the following key factors:

    1. Strong Fiscal Year 2026 Financial Performance: Greene County Bancorp reported record net income of $41.022 million for the fiscal year ended June 30, 2026, marking a 32% increase compared to the previous fiscal year. Diluted earnings per share also rose to $2.41 for fiscal 2026, up from $1.83 in fiscal 2025. These robust results, announced in July 2026 and further detailed in the 10-K filing in September 2026, provided significant fundamental support for the stock price, anchoring it around its levels.

    2. Commitment to Shareholder Returns: The company demonstrated a commitment to returning value to shareholders by increasing its cash dividend by 10% to $0.11 per share, announced in July 2026. Additionally, a stock repurchase program authorizing the buyback of up to 400,000 shares had been adopted in April 2026. These capital allocation strategies likely enhanced investor confidence and provided a floor for the stock price.

    3. Positive Market Sentiment and Institutional Interest: Greene County Bancorp's stock received a "Buy" rating upgrade from Weiss Ratings in late August 2026. Furthermore, institutional accumulation was observed with the Bank of New York Mellon disclosing a new stake. This positive sentiment from analysts and institutional investors helped maintain the stock's stability and contributed to offsetting any potential selling pressures during the period.

    4. Mixed Regional Banking Sector Performance: Despite Greene County Bancorp's strong individual performance, the broader regional banking sector experienced a mixed environment. Peers generally underperformed (down an average of 2.1-2.2%) since Q2 2026 earnings amidst rising bond yields and broader macroeconomic uncertainties. This sector-wide cautious sentiment likely tempered significant upward price movement for GCBC, leading to its relative stability as strong company-specific results were partially counterbalanced by external sector headwinds.

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    Stock Movement Drivers

    Fundamental Drivers

    The 4.3% change in GCBC stock from 6/30/2026 to 10/20/2026 was primarily driven by a 5.1% change in the company's Total Revenues ($ Mil).
    (LTM values as of)630202610202026Change
    Stock Price ($)33.4834.934.3%
    Change Contribution By: 
    Total Revenues ($ Mil)88935.1%
    Net Income Margin (%)44.3%44.3%0.0%
    P/E Multiple14.614.5-0.8%
    Shares Outstanding (Mil)17170.0%
    Cumulative Contribution4.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2026 to 10/20/2026
    ReturnCorrelation
    GCBC4.3% 
    Market (SPY)3.0%9.4%
    Sector (XLF)3.9%52.0%

    Fundamental Drivers

    The 57.0% change in GCBC stock from 3/31/2026 to 10/20/2026 was primarily driven by a 39.8% change in the company's P/E Multiple.
    (LTM values as of)331202610202026Change
    Stock Price ($)22.2534.9357.0%
    Change Contribution By: 
    Total Revenues ($ Mil)84939.9%
    Net Income Margin (%)43.4%44.3%2.1%
    P/E Multiple10.414.539.8%
    Shares Outstanding (Mil)17170.0%
    Cumulative Contribution57.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 10/20/2026
    ReturnCorrelation
    GCBC57.0% 
    Market (SPY)18.6%12.5%
    Sector (XLF)13.3%38.3%

    Fundamental Drivers

    The 57.0% change in GCBC stock from 9/30/2025 to 10/20/2026 was primarily driven by a 22.9% change in the company's Total Revenues ($ Mil).
    (LTM values as of)930202510202026Change
    Stock Price ($)22.2434.9357.0%
    Change Contribution By: 
    Total Revenues ($ Mil)759322.9%
    Net Income Margin (%)41.3%44.3%7.2%
    P/E Multiple12.214.519.2%
    Shares Outstanding (Mil)17170.0%
    Cumulative Contribution57.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2025 to 10/20/2026
    ReturnCorrelation
    GCBC57.0% 
    Market (SPY)16.4%16.1%
    Sector (XLF)4.7%38.3%

    Fundamental Drivers

    The 51.4% change in GCBC stock from 9/30/2023 to 10/20/2026 was primarily driven by a 26.2% change in the company's Total Revenues ($ Mil).
    (LTM values as of)930202310202026Change
    Stock Price ($)23.0734.9351.4%
    Change Contribution By: 
    Total Revenues ($ Mil)739326.2%
    Net Income Margin (%)42.0%44.3%5.6%
    P/E Multiple12.814.513.6%
    Shares Outstanding (Mil)17170.0%
    Cumulative Contribution51.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2023 to 10/20/2026
    ReturnCorrelation
    GCBC51.4% 
    Market (SPY)86.1%25.4%
    Sector (XLF)75.4%39.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    GCBC Return47%58%99%-1%-19%54%475%
    Peers Return29%8%17%7%2%23%118%
    S&P 500 Return27%-19%24%23%16%12%104%

    Monthly Win Rates [3]
    GCBC Win Rate67%83%50%58%33%70% 
    Peers Win Rate58%60%48%48%56%57% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    GCBC Max Drawdown-16%-27%-38%-24%-25%-11% 
    Peers Max Drawdown-22%-21%-41%-23%-25%-16% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, CLBK, GCBC, MBBC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 10/20/2026 (YTD)

    How Low Can It Go

    EventGCBCS&P 500
    2025 US Tariff Shock
      % Loss-24.3%-18.8%
      % Gain to Breakeven32.2%23.1%
      Time to Breakeven409 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-30.9%-9.5%
      % Gain to Breakeven44.7%10.5%
      Time to Breakeven111 days24 days
    2020 COVID-19 Crash
      % Loss-40.8%-33.7%
      % Gain to Breakeven68.8%50.9%
      Time to Breakeven363 days140 days
    2008-2009 Global Financial Crisis
      % Loss-26.6%-53.4%
      % Gain to Breakeven36.2%114.4%
      Time to Breakeven49 days1085 days
    Summer 2007 Credit Crunch
      % Loss-11.7%-8.6%
      % Gain to Breakeven13.3%9.5%
      Time to Breakeven21 days47 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    Greene County Bancorp's stock fell -24.3% during the 2025 US Tariff Shock. Such a loss loss requires a 32.2% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventGCBCS&P 500
    2025 US Tariff Shock
      % Loss-24.3%-18.8%
      % Gain to Breakeven32.2%23.1%
      Time to Breakeven409 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-30.9%-9.5%
      % Gain to Breakeven44.7%10.5%
      Time to Breakeven111 days24 days
    2020 COVID-19 Crash
      % Loss-40.8%-33.7%
      % Gain to Breakeven68.8%50.9%
      Time to Breakeven363 days140 days
    2008-2009 Global Financial Crisis
      % Loss-26.6%-53.4%
      % Gain to Breakeven36.2%114.4%
      Time to Breakeven49 days1085 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    Greene County Bancorp's stock fell -24.3% during the 2025 US Tariff Shock. Such a loss loss requires a 32.2% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Greene County Bancorp (GCBC)

    ```html

    Greene County Bancorp, Inc. (GCBC) operates as a financial holding company for The Bank of Greene County, providing a comprehensive suite of financial services. Founded in 1889 and based in Catskill, New York, the company primarily serves its customers through a network of 17 full-service banking offices across its operating regions in the United States. Its core business revolves around traditional banking functions, offering essential services to individuals and commercial entities.

    The company's main products and services are broadly categorized into deposit accounts and various types of loans. Deposit offerings include savings, NOW, money market, and checking accounts, as well as certificates of deposit and individual retirement accounts, providing secure options for customers to manage their funds. On the lending side, GCBC's portfolio is diverse, featuring residential, construction and land, multifamily, and commercial real estate mortgage loans.

    Additionally, Greene County Bancorp extends consumer loans for needs such as automobiles, personal expenses, and home equity, alongside other installment loans, and provides commercial loans to businesses. This extensive range of products and services caters to a broad customer base, including individual consumers, families, real estate developers, and small to medium-sized businesses seeking both deposit and lending solutions in the communities it serves.

    ```

    AI Analysis | Feedback

    It's like a small-town version of Chase Bank, focused on serving communities primarily in Greene County, New York.

    Think of it as a highly localized KeyBank, providing traditional banking services to a specific region in upstate New York.

    AI Analysis | Feedback

    • Deposit Products: The bank offers various deposit accounts including savings, checking, money market, certificates of deposit, and individual retirement accounts.
    • Loan Products: The company provides a broad range of loans such as residential, commercial real estate, construction, and multifamily mortgages, alongside consumer and commercial loans.

    AI Analysis | Feedback

    Greene County Bancorp (GCBC) primarily serves a broad base of individuals and businesses within its operating region through its subsidiary, The Bank of Greene County, rather than having a few major corporate customers.

    The major categories of customers it serves are:

    1. Individual Customers: This category includes people seeking personal banking services such as savings accounts, checking accounts (NOW accounts, non-interest bearing checking), money market accounts, certificates of deposit, and individual retirement accounts. It also encompasses individuals applying for residential mortgage loans, construction and land loans for personal residences, and various consumer loans like auto loans, personal loans, home equity loans, and other installment loans.
    2. Commercial Clients: This category consists of businesses (likely small to medium-sized enterprises within its service footprint) that utilize the bank for commercial real estate mortgage loans, general commercial loans, and business deposit accounts.
    3. Real Estate Developers and Investors: This group includes individuals or businesses involved in real estate development and investment, seeking specialized financing such as construction and land loans for projects beyond personal residences, and multifamily mortgage loans.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Donald Gibson, President and Chief Executive Officer
    Donald Gibson has served as President and Chief Executive Officer of Greene County Bancorp, Inc. and The Bank of Greene County since 2007. He joined the Bank in 1987, holding various positions of increasing responsibility before his appointment as President and CEO. Under his leadership, the Bank has grown significantly from approximately $300 million in assets to over $3 billion and has achieved record earnings in 16 of the past 17 years. Mr. Gibson also serves as Chairperson of the Board of Directors of Atlantic Community Bankers Bank and is a current Board Member and past Chairperson of the New York State Bankers Association. He holds a Master of Business Administration from The College of Saint Rose and a Bachelor's degree in Business and Economics from the State University of New York College at Oneonta.

    Nick Barzee, Senior Vice President and Chief Financial Officer
    Nick Barzee was appointed Senior Vice President and Chief Financial Officer of Greene County Bancorp, Inc. and The Bank of Greene County, effective July 1, 2024. Prior to this role, he served as Vice President, Director of Finance since 2023 and Vice President, Controller since April 2021. Before joining the Company and Bank, Mr. Barzee worked as a Senior Manager with KPMG LLP in Albany, NY and New York City for over 12 years, starting in 2008. He is a Certified Public Accountant. Mr. Barzee holds both a Master's degree in Business Administration and a Bachelor's degree in Accounting from the State University of New York at Oswego.

    John Antalek, Executive Vice President, Chief Lending Officer
    John Antalek has served as Executive Vice President and Chief Lending Officer of Greene County Bancorp and The Bank of Greene County since 2021. He began his career in banking over 30 years ago as a teller and has over 20 years of commercial lending experience. Mr. Antalek joined the Company and the Bank as Vice President, Commercial Lending and Business Development in 2018. Since then, he has held several positions of increasing responsibility within the Lending Department.

    AI Analysis | Feedback

    Key Risks to Greene County Bancorp (GCBC)

    1. Credit Risk: As a financial institution with a significant loan portfolio encompassing residential, construction and land, multifamily, and commercial real estate mortgage loans, Greene County Bancorp faces inherent credit risk. A downturn in the real estate market, particularly in its operating region, or a broader economic contraction could lead to increased loan delinquencies, defaults, and subsequent loan losses, negatively impacting the company's asset quality and profitability.
    2. Interest Rate Risk: Greene County Bancorp's profitability is highly sensitive to fluctuations in interest rates. Changes in market interest rates can affect the interest earned on its loan portfolio and securities, as well as the interest paid on its deposits and borrowings. An unfavorable movement in interest rates, such as a rapid increase in funding costs without a corresponding increase in asset yields, could compress the company's net interest margin and reduce its earnings.
    3. Competition and Economic Conditions in Operating Region: Operating a network of 17 full-service banking offices in Catskill, New York, Greene County Bancorp is susceptible to intense competition from larger regional and national banks, credit unions, and alternative financial service providers. This competition could impact its ability to attract and retain deposits, originate loans, and maintain market share. Furthermore, the company's performance is closely tied to the economic health and demographic trends of its specific operating region. A sustained economic downturn, job losses, or population decline in its service area could adversely affect loan demand, deposit growth, and the credit quality of its loan portfolio.

    AI Analysis | Feedback

    The increasing competition from digital-first financial service providers (fintech companies and neobanks) that offer banking services online and through mobile applications, potentially attracting customers away from traditional branch-based banks like Greene County Bancorp.

    AI Analysis | Feedback

    The addressable markets for Greene County Bancorp's main products and services in the region of New York State are as follows:
    • Deposit Products: Community banks in New York held approximately $281.3 billion in total deposits as of December 13, 2024. Total deposits in all New York-based financial institutions exceeded $3.4 trillion in Q4 2023.
    • Residential Mortgage Loans: Mortgage balances for New Yorkers amounted to just under $601.2 billion as of the fourth quarter of 2021.
    • Commercial Real Estate Mortgage Loans: New York banks had $450 billion in commercial real estate (CRE) exposure.
    • Commercial Loans (Small Business Segment): Small business loans under $1 million by New York banks totaled $18 billion in 2023.
    • Consumer Loans (such as auto loans, personal loans, home equity loans, and other installment loans): Specific market sizes for these individual consumer loan categories within New York State are not readily available in the provided information. However, total household debt for New Yorkers, which includes mortgages and other consumer debt, was $869.4 billion in the fourth quarter of 2021.

    AI Analysis | Feedback

    Greene County Bancorp (GCBC) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

    1. Net Interest Margin (NIM) Expansion: The company has demonstrated an improvement in its net interest margin. For the quarter ended December 31, 2025, GCBC's net interest margin increased by 50 basis points to 2.54% from 2.04% a year earlier. The net interest margin (FTE) also rose to 2.83% for the most recent quarter, up from 2.47% in fiscal year 2024. This expansion directly contributes to higher interest income.
    2. Growth in Commercial Real Estate and Other Loan Portfolios: Loan growth has been identified as a key contributor to increased net income. Greene County Bancorp is recognized as the #1 Commercial Mortgage Lender in the Capital Region, indicating a strong position in a significant segment of its loan portfolio. As of December 31, 2025, total loans held for investment were $1.69 billion, with commercial real estate loans accounting for 65.1% and residential loans for 24.6% of this portfolio. The company continues to focus on attracting retail deposits and deploying these funds into various loan products, including residential and commercial real estate mortgages, consumer loans, and home equity loans.
    3. Strategic Geographic Expansion: Greene County Bancorp has expanded its presence into new, high-growth areas. The successful opening of a new office in Saratoga County underscores a strategic focus on prudent capital deployment aimed at enhancing long-term shareholder value. This expansion allows the company to reach new customers and markets, thereby increasing its revenue base.
    4. Overall Balance Sheet and Low-Cost Deposit Growth: The company has experienced consistent growth in its total assets and benefits from a robust, low-cost deposit franchise. Total assets grew to $3.1 billion as of December 31, 2025, an increase of 6% from the prior year. The deposit base is largely comprised of low-cost NOW accounts (75.7% of total deposits), which stood at $2.64 billion. A low cost of deposits, which was 2.05% for 2025, enables better profitability on lending activities and supports sustained growth in interest-earning assets.

    AI Analysis | Feedback

    Greene County Bancorp (GCBC) has made the following capital allocation decisions over the last 3-5 years:

    Share Repurchases

    • The company completed the repurchase of 48,800 shares for $0.63 million under a buyback plan announced on September 19, 2019, as of March 31, 2025.
    • There were no share repurchases made between January 1, 2025, and March 31, 2025.

    Share Issuance

    • Greene County Bancorp has maintained a stable number of outstanding common shares, with 17,026,828 shares outstanding as of September 4, 2025, December 31, 2024, December 31, 2022, September 7, 2023, and December 31, 2025.

    Capital Expenditures

    • For fiscal year 2025, Greene County Bancorp reported a net investment of -$210.17 million.

    Peer Outperformance in Regional Banks

    GCBC has outperformed 100% of its 263 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that GCBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    92%
    of 285 industry peers · 58.2% return
    3Y
    17%
    of 275 industry peers · 57.9% return
    5Y
    100%
    of 263 industry peers · 345.7% return
    No Regional Banks peer with a comparable growth profile has beaten GCBC by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is GCBC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 29.0%73.5%119.6% SPNT 175% · RNR 149% · RGA 146%
    Diversified Banks 12 28.1%143.6%87.2% CM 137% · JPM 122% · RY 122%
    Life & Health Insurance 20 12.4%61.6%81.1% JXN 472% · UNM 280% · MFC 177%
    Investment Banking & Brokerage 13 -12.0%102.4%68.8% IBKR 354% · SNEX 177% · GS 145%
    Property & Casualty Insurance 42 14.2%80.2%66.6% TRV 174% · PGR 162% · ACGL 150%
    Multi-line Insurance 9 8.3%66.9%59.7% GNW 99% · L 95% · AIZ 87%
    Multi-Sector Holdings 3 6.4%55.8%52.3% BRK-B 88% · VOYA 52% · JEF 31%
    Regional Banks ← 264 29.4%97.9%49.9% CBC 230% · FCNCA 153% · OFG 144%
    Financial Exchanges & Data 15 8.1%35.0%30.1% CBOE 165% · VIRT 158% · CME 70%
    Consumer Finance 30 2.5%86.6%21.1% ENVA 397% · EZPW 320% · FCFS 154%
    Insurance Brokers 15 -6.1%7.9%18.3% LIFE 375% · ARX 88% · AJG 68%
    Diversified Financial Services 4 -2.6%23.6%6.4% FRHC 161% · EQH 81%
    Asset Management & Custody Banks 84 -13.0%22.7%3.3% WT 293% · AAMI 257% · VCTR 245%
    Commercial & Residential Mortgage Finance 15 -53.5%34.8%-4.5% FNMA 333% · FMCC 289% · ACT 154%
    Specialized Finance 3 8.8%36.6%-13.5% CACC -13% · HASI -23%
    Mortgage REITs 34 -21.0%-3.0%-34.3% RITM 26% · DX 17% · AGNC 7%
    Transaction & Payment Processing Services 17 2.1%8.2%-35.9% V 82% · MA 79% · CPAY 49%
    Diversified Capital Markets 20 -48.9%12.8%-62.8% LPLA 89% · TW 45% · RIOT -56%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    KODKodiak Sciences5.8186.8%232.5%
    BRZEBraze5.079.4%32.9%
    FIGSFIGS3.351.3%74.8%
    PCRXPacira BioSciences1.450.9%40.6%
    CBRLCracker Barrel Old Country Store1.549.2%168.9%
    IOVAIovance Biotherapeutics6.745.8%444.3%
    RXORXO4.945.4%126.8%
    MAZEMaze Therapeutics1.944.9%-21.7%
    PACBPacific Biosciences of California0.644.1%4.8%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    CTVACorteva8.6-83.7%-80.6%
    GLASGlass House Brands0.2-70.5%-73.6%
    NUAINew Era Energy & Digital0.3-63.1%-3.8%
    XNDUXanadu Quantum Technologies0.9-61.3%-75.2%
    EOSEEos Energy Enterprises0.6-58.7%-85.3%
    EMATEvolution Metals & Technologies0.9-58.3%-93.3%
    SHAZSharonAI0.5-55.0%-70.8%
    CIFRCipher Digital3.6-53.0%-39.8%
    BRUNBoost Run0.5-50.7%-59.6%
    QUREuniQure1.5-48.7%-5.1%

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    Peer Comparisons

    Peers to compare with:

    Financials

    GCBCNEWTATLOCLBKMBBCMedian
    NameGreene C.NewtekOneAmes Nat.Columbia.Marathon. 
    Mkt Price34.9811.2332.3810.6514.7414.74
    Mkt Cap0.60.30.31.1-0.5
    Rev LTM9327773277-185
    Op Inc LTM------
    FCF LTM42-7402169-31
    FCF 3Y Avg31-3731736-24
    CFO LTM42-7392278-32
    CFO 3Y Avg32-3731945-25

    Growth & Margins

    GCBCNEWTATLOCLBKMBBCMedian
    NameGreene C.NewtekOneAmes Nat.Columbia.Marathon. 
    Rev Chg LTM22.9%7.8%21.3%38.7%-22.1%
    Rev Chg 3Y Avg9.1%26.8%8.1%3.4%-8.6%
    Rev Chg Q22.0%7.0%18.5%15.5%-17.0%
    QoQ Delta Rev Chg LTM5.1%1.7%4.3%3.7%-4.0%
    Op Inc Chg LTM------
    Op Inc Chg 3Y Avg------
    Op Mgn LTM------
    Op Mgn 3Y Avg------
    QoQ Delta Op Mgn LTM------
    CFO/Rev LTM45.7%-267.4%30.3%28.3%-29.3%
    CFO/Rev 3Y Avg40.4%-138.6%30.2%18.4%-24.3%
    FCF/Rev LTM44.9%-267.5%28.9%24.8%-26.9%
    FCF/Rev 3Y Avg39.1%-138.7%27.9%14.5%-21.2%

    Valuation

    GCBCNEWTATLOCLBKMBBCMedian
    NameGreene C.NewtekOneAmes Nat.Columbia.Marathon. 
    Mkt Cap0.60.30.31.1-0.5
    P/S6.41.24.03.9-3.9
    P/Op Inc------
    P/EBIT------
    P/E14.54.912.518.6-13.5
    P/CFO14.1-0.413.013.8-13.4
    Total Yield7.6%30.1%10.8%5.4%-9.2%
    Dividend Yield0.7%9.6%2.7%0.0%-1.7%
    FCF Yield 3Y Avg6.3%-103.1%8.5%--6.3%
    D/E0.31.70.11.1-0.7
    Net D/E-0.60.6-1.7-0.7--0.6

    Returns

    GCBCNEWTATLOCLBKMBBCMedian
    NameGreene C.NewtekOneAmes Nat.Columbia.Marathon. 
    1M Rtn-1.9%-1.2%1.5%-8.0%-4.2%-1.9%
    3M Rtn6.5%-23.2%10.2%-3.4%-3.5%-3.4%
    6M Rtn52.8%-8.3%16.6%-3.4%7.7%7.7%
    12M Rtn58.5%11.5%65.2%-3.4%40.0%40.0%
    3Y Rtn58.1%1.3%141.0%-3.4%82.9%58.1%
    1M Excs Rtn0.7%-0.5%2.5%-6.8%-2.2%-0.5%
    3M Excs Rtn5.5%-24.6%8.5%-4.4%-2.0%-2.0%
    6M Excs Rtn44.3%-16.8%8.1%-11.9%-0.9%-0.9%
    12M Excs Rtn47.5%-0.9%55.8%-18.4%21.2%21.2%
    3Y Excs Rtn-26.1%-75.3%58.8%-80.4%4.6%-26.1%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 6/302026Q42026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q1
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date9/9/20265/8/20262/6/202611/7/20259/5/20255/9/20252/7/202511/8/20249/6/20245/10/20242/9/202411/13/2023
    Key Financials Quarterly            
    Total Revenue252422222020181717161617
    Net Income111110998767666
    EPS0.670.620.600.520.550.470.440.370.400.340.340.38
    Key Financials TTM            
    Total Revenue TTM938884807571676565666871
    Net Income TTM413937343129262525242728
    Growth Rates Quarterly            
    Total Revenue Growth22.0%19.0%23.8%27.5%23.5%27.8%13.1%0.8%-4.3%-14.1%-15.7%-11.6%
    Net Income Growth21.5%30.6%37.4%41.7%38.6%37.4%31.2%-3.2%4.2%-27.6%-20.7%-28.4%
    Margins Quarterly            
    Net Income Margin45.4%44.1%46.3%41.2%45.6%40.1%41.7%37.1%40.6%37.3%36.0%38.6%
    Cash & Debt            
    Total Cash503493510471541475543581543604488443
    Total Debt15510721454128942511431998617954
    Net Debt / (Cash)-348-385-296-417-413-381-293-438-344-519-309-389
    Cash Flows Quarterly            
    FCF from Operations1811671375211626
    Cash Flows TTM            
    FCF from Operations TTM423734332826242125242630
    Returns to Shareholders Quarterly            
    Dividends121111221111
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20262025202420232022
    Banking9375657370
    Total9375657370


    Price Behavior

    Price Behavior
    Market Price$34.93 
    Market Cap ($ Bil)0.6 
    First Trading Date06/30/1999 
    Distance from 52W High-3.0% 
       50 Days200 Days
    DMA Price$34.69$28.03
    DMA Trendupup
    Distance from DMA0.7%24.6%
     3M1YR
    Volatility19.4%30.7%
    Downside Capture23.5922.58
    Upside Capture53.9174.67
    Correlation (S&P 500)9.6%13.8%
    GCBC Betas & Captures as of 9/30/2026

     1M2M3M6M1Y3Y
    Beta0.480.500.250.310.410.71
    Up Beta-1.210.68-0.070.000.260.59
    Down Beta0.950.48-0.33-0.440.320.54
    Up Capture44%42%43%98%60%64%
    Bmk +ve Days6162766132424
    Stock +ve Days11253974129366
    Down Capture101%50%53%19%34%98%
    Bmk -ve Days16263760120328
    Stock -ve Days11172548119374

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with GCBC
    GCBC62.5%30.7%1.59-
    Sector ETF (XLF)8.1%14.5%0.3137.2%
    Equity (SPY)16.8%12.7%0.9312.5%
    Gold (GLD)-2.9%29.3%-0.10-8.8%
    Commodities (DBC)52.5%20.7%1.93-22.1%
    Real Estate (VNQ)5.1%13.8%0.1131.0%
    Bitcoin (BTCUSD)-23.7%43.6%-0.502.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with GCBC
    GCBC33.4%62.7%0.65-
    Sector ETF (XLF)9.5%18.3%0.3823.0%
    Equity (SPY)13.6%17.1%0.6115.8%
    Gold (GLD)18.1%18.9%0.77-3.9%
    Commodities (DBC)9.7%19.5%0.381.1%
    Real Estate (VNQ)1.4%18.9%-0.0315.7%
    Bitcoin (BTCUSD)7.7%51.7%0.338.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with GCBC
    GCBC25.3%53.4%0.60-
    Sector ETF (XLF)13.0%22.1%0.5327.7%
    Equity (SPY)15.3%17.9%0.7221.3%
    Gold (GLD)12.1%16.4%0.60-3.9%
    Commodities (DBC)8.2%18.1%0.375.2%
    Real Estate (VNQ)5.2%20.7%0.2119.7%
    Bitcoin (BTCUSD)62.9%66.2%1.039.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date9302026
    Short Interest: Shares Quantity0.1 Mil
    Short Interest: % Change Since 9152026-46.5%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest1.9 days
    Basic Shares Quantity17.0 Mil
    Short % of Basic Shares0.6%

    Returns Analyses

    Earnings Returns History

    Updated 7/22/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/22/20261.1%3.7%10.3%
    1/21/2026-1.8%-4.9%-0.4%
    10/21/2025-1.1%1.8%-1.7%
    7/23/2025-3.2%-6.7%-10.1%
    4/22/2025-0.9%2.7%6.2%
    1/22/2025-3.0%2.0%1.6%
    10/22/20240.6%1.5%11.7%
    7/23/2024-3.8%-1.1%-12.8%
    ...
    SUMMARY STATS   
    # Positive61315
    # Negative18119
    Median Positive1.7%2.7%7.1%
    Median Negative-1.1%-3.8%-3.8%
    Max Positive6.3%9.6%18.0%
    Max Negative-3.8%-8.4%-12.8%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/22/20261.1%3.7%10.3%
    1/21/2026-1.8%-4.9%-0.4%
    10/21/2025-1.1%1.8%-1.7%
    7/23/2025-3.2%-6.7%-10.1%
    4/22/2025-0.9%2.7%6.2%
    1/22/2025-3.0%2.0%1.6%
    10/22/20240.6%1.5%11.7%
    7/23/2024-3.8%-1.1%-12.8%
    4/23/2024-2.1%0.5%8.6%
    1/23/2024-1.0%-7.0%-6.9%
    10/24/2023-1.4%3.1%5.6%
    7/24/20233.0%9.1%-3.8%
    4/20/2023-3.2%-2.5%-1.5%
    1/20/2023-1.1%-3.8%7.8%
    10/21/2022-0.0%9.6%18.0%
    7/25/2022-0.9%-5.3%7.2%
    4/21/2022-0.7%9.0%4.7%
    1/24/20220.7%4.2%7.1%
    10/22/2021-0.4%1.6%4.4%
    7/23/2021-0.1%-0.2%-3.8%
    4/23/20212.2%-0.3%6.1%
    1/22/2021-0.3%-8.4%-5.6%
    10/23/2020-2.0%-2.2%7.5%
    7/24/20206.3%1.2%5.2%
    SUMMARY STATS   
    # Positive61315
    # Negative18119
    Median Positive1.7%2.7%7.1%
    Median Negative-1.1%-3.8%-3.8%
    Max Positive6.3%9.6%18.0%
    Max Negative-3.8%-8.4%-12.8%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202609/09/202610-K
    03/31/202605/08/202610-Q
    12/31/202502/06/202610-Q
    09/30/202511/07/202510-Q
    06/30/202509/05/202510-K
    03/31/202505/09/202510-Q
    12/31/202402/07/202510-Q
    09/30/202411/08/202410-Q
    06/30/202409/06/202410-K
    03/31/202405/10/202410-Q
    12/31/202302/09/202410-Q
    09/30/202311/13/202310-Q
    06/30/202309/08/202310-K
    03/31/202305/11/202310-Q
    12/31/202202/10/202310-Q
    09/30/202211/10/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202609/09/202610-K
    03/31/202605/08/202610-Q
    12/31/202502/06/202610-Q
    09/30/202511/07/202510-Q
    06/30/202509/05/202510-K
    03/31/202505/09/202510-Q
    12/31/202402/07/202510-Q
    09/30/202411/08/202410-Q
    06/30/202409/06/202410-K
    03/31/202405/10/202410-Q
    12/31/202302/09/202410-Q
    09/30/202311/13/202310-Q
    06/30/202309/08/202310-K
    03/31/202305/11/202310-Q
    12/31/202202/10/202310-Q
    09/30/202211/10/202210-Q
    06/30/202209/09/202210-K
    03/31/202205/12/202210-Q
    12/31/202102/11/202210-Q
    09/30/202111/09/202110-Q
    06/30/202109/13/202110-K
    03/31/202105/13/202110-Q
    12/31/202002/12/202110-Q
    09/30/202011/10/202010-Q
    06/30/202009/11/202010-K
    03/31/202005/08/202010-Q
    12/31/201902/06/202010-Q
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 6/15/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Plummer, Michelle M DirectSell612202628.7710,000287,7002,864,341Form
    2Brust, John 401(k)Buy428202624.502,04150,004152,414Form
    3Brust, John 401(k)Buy428202624.052,08050,034100,550Form
    4Hogan, Peter W 401(k)Buy318202622.103,00066,3001,657,500Form
    5Hada, Tejraj S DirectBuy318202621.954,00087,800777,623Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Plummer, Michelle M DirectSell612202628.7710,000287,7002,864,341Form
    2Brust, John 401(k)Buy428202624.502,04150,004152,414Form
    3Brust, John 401(k)Buy428202624.052,08050,034100,550Form
    4Hogan, Peter W 401(k)Buy318202622.103,00066,3001,657,500Form
    5Hada, Tejraj S DirectBuy318202621.954,00087,800777,623Form
    6Hada, Tejraj S DirectBuy318202621.992,00043,980691,080Form
    7Barzee, NickSVP and CFO401(k)Buy305202622.551,28028,864101,926Form
    8Cannucciari, Christopher DirectBuy303202622.051,30028,66596,535Form
    9Hada, Tejraj S DirectBuy1124202521.951,00021,950640,742Form
    10Hada, Tejraj S DirectBuy1119202521.963,00065,880613,189Form
    11Antalek, JohnEVP and CLO401(k)Buy1119202522.001,50033,000166,474Form
    12Hada, Tejraj S DirectBuy1117202522.003668,052548,306Form
    13Hada, Tejraj S DirectBuy1106202522.521,50033,780553,024Form
    14Hada, Tejraj S DirectBuy1106202522.2045999511,865Form
    15Hada, Tejraj S DirectBuy1104202521.802355,123501,662Form
    16Gibson, Donald EPresident and CEO401(k)Buy1030202521.881,00021,87521,875Form
    17Cannucciari, Christopher DirectBuy1030202522.794239,64070,148Form
    18Cannucciari, Christopher DirectBuy1030202522.9170616,17460,826Form
    19Cahalan, Jay P DirectBuy1024202522.734,30097,743805,220Form

    Industry Resources

    External Quote Links


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