Greene County Bancorp (GCBC)
Market Price (5/20/2026): $24.6 | Market Cap: $418.9 MilSector: Financials | Industry: Regional Banks
Greene County Bancorp (GCBC)
Market Price (5/20/2026): $24.6Market Cap: $418.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 8.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -92% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 23% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% Low stock price volatilityVol 12M is 36% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -2.8% Weak multi-year price returns2Y Excs Rtn is -59%, 3Y Excs Rtn is -40% | Key risksGCBC 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 8.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -92% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 23% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% |
| Low stock price volatilityVol 12M is 36% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -2.8% |
| Weak multi-year price returns2Y Excs Rtn is -59%, 3Y Excs Rtn is -40% |
| Key risksGCBC 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. |
Qualitative Assessment
AI Analysis | Feedback
Greene County Bancorp (GCBC) stock has gained about 5% since 1/31/2026 because of the following key factors:
1. Greene County Bancorp reported record net income and asset growth for the quarter ended March 31, 2026. The company's net income reached $10.5 million, or $0.62 per share, for the three months ended March 31, 2026, marking an increase from $8.1 million, or $0.47 per share, in the same period of the prior year. This performance was supported by a $4.0 million increase in net interest income, which rose to $20.2 million, as well as strong loan and deposit growth and improved margins.
2. The company initiated a new stock repurchase program. On April 15, 2026, Greene County Bancorp authorized the repurchase of up to 400,000 shares of its common stock, representing approximately 5.0% of its publicly held outstanding shares. This program is often viewed as a positive signal to investors, indicating management's belief that the stock is undervalued and a commitment to enhancing shareholder value.
Show more
1. Greene County Bancorp reported record net income and asset growth for the quarter ended March 31, 2026. The company's net income reached $10.5 million, or $0.62 per share, for the three months ended March 31, 2026, marking an increase from $8.1 million, or $0.47 per share, in the same period of the prior year. This performance was supported by a $4.0 million increase in net interest income, which rose to $20.2 million, as well as strong loan and deposit growth and improved margins.
2. The company initiated a new stock repurchase program. On April 15, 2026, Greene County Bancorp authorized the repurchase of up to 400,000 shares of its common stock, representing approximately 5.0% of its publicly held outstanding shares. This program is often viewed as a positive signal to investors, indicating management's belief that the stock is undervalued and a commitment to enhancing shareholder value.
Show more
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →
Stock Movement Drivers
Fundamental Drivers
The 5.9% change in GCBC stock from 1/31/2026 to 5/19/2026 was primarily driven by a 10.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312026 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.25 | 24.61 | 5.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 80 | 88 | 10.1% |
| Net Income Margin (%) | 42.2% | 44.3% | 5.0% |
| P/E Multiple | 11.7 | 10.7 | -8.4% |
| Shares Outstanding (Mil) | 17 | 17 | 0.0% |
| Cumulative Contribution | 5.9% |
Market Drivers
1/31/2026 to 5/19/2026| Return | Correlation | |
|---|---|---|
| GCBC | 5.9% | |
| Market (SPY) | 6.3% | 10.9% |
| Sector (XLF) | -3.9% | 35.7% |
Fundamental Drivers
The 13.6% change in GCBC stock from 10/31/2025 to 5/19/2026 was primarily driven by a 16.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.67 | 24.61 | 13.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 75 | 88 | 16.9% |
| Net Income Margin (%) | 41.3% | 44.3% | 7.2% |
| P/E Multiple | 11.9 | 10.7 | -9.4% |
| Shares Outstanding (Mil) | 17 | 17 | 0.0% |
| Cumulative Contribution | 13.6% |
Market Drivers
10/31/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| GCBC | 13.6% | |
| Market (SPY) | 8.2% | 15.2% |
| Sector (XLF) | -1.6% | 33.1% |
Fundamental Drivers
The 12.9% change in GCBC stock from 4/30/2025 to 5/19/2026 was primarily driven by a 31.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.79 | 24.61 | 12.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 67 | 88 | 31.3% |
| Net Income Margin (%) | 39.3% | 44.3% | 12.8% |
| P/E Multiple | 14.1 | 10.7 | -23.8% |
| Shares Outstanding (Mil) | 17 | 17 | 0.0% |
| Cumulative Contribution | 12.9% |
Market Drivers
4/30/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| GCBC | 12.9% | |
| Market (SPY) | 33.8% | 30.8% |
| Sector (XLF) | 6.4% | 44.4% |
Fundamental Drivers
The 25.2% change in GCBC stock from 4/30/2023 to 5/19/2026 was primarily driven by a 20.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302023 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.66 | 24.61 | 25.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 73 | 88 | 20.9% |
| Net Income Margin (%) | 41.5% | 44.3% | 6.8% |
| P/E Multiple | 11.1 | 10.7 | -3.0% |
| Shares Outstanding (Mil) | 17 | 17 | 0.0% |
| Cumulative Contribution | 25.2% |
Market Drivers
4/30/2023 to 5/19/2026| Return | Correlation | |
|---|---|---|
| GCBC | 25.2% | |
| Market (SPY) | 83.3% | 27.0% |
| Sector (XLF) | 61.7% | 37.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| GCBC Return | 47% | 58% | 99% | -1% | -19% | 12% | 320% |
| Peers Return | 29% | -28% | 25% | 8% | 29% | -4% | 56% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| GCBC Win Rate | 67% | 83% | 50% | 58% | 33% | 80% | |
| Peers Win Rate | 44% | 50% | 56% | 50% | 65% | 41% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| GCBC Max Drawdown | -16% | -27% | -38% | -24% | -25% | -11% | |
| Peers Max Drawdown | -22% | -39% | -36% | -25% | -24% | -23% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, FITB.
[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 5/19/2026 (YTD)
How Low Can It Go
| Event | GCBC | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -30.9% | -9.5% |
| % Gain to Breakeven | 44.7% | 10.5% |
| Time to Breakeven | 111 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -40.8% | -33.7% |
| % Gain to Breakeven | 68.8% | 50.9% |
| Time to Breakeven | 363 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -26.6% | -53.4% |
| % Gain to Breakeven | 36.2% | 114.4% |
| Time to Breakeven | 49 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -11.7% | -8.6% |
| % Gain to Breakeven | 13.3% | 9.5% |
| Time to Breakeven | 21 days | 47 days |
In The Past
Greene County Bancorp's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% 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.
| Event | GCBC | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -30.9% | -9.5% |
| % Gain to Breakeven | 44.7% | 10.5% |
| Time to Breakeven | 111 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -40.8% | -33.7% |
| % Gain to Breakeven | 68.8% | 50.9% |
| Time to Breakeven | 363 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -26.6% | -53.4% |
| % Gain to Breakeven | 36.2% | 114.4% |
| Time to Breakeven | 49 days | 1085 days |
In The Past
Greene County Bancorp's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% 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)
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 loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
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:
- 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.
- 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.
- 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
nullAI Analysis | Feedback
Donald Gibson, President and Chief Executive OfficerDonald 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)
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Greene County Bancorp Stock Fell 7.9% in a Month, What Now? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to GCBC.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 18.73 |
| Mkt Cap | 0.7 |
| Rev LTM | 3,066 |
| Op Inc LTM | - |
| FCF LTM | 86 |
| FCF 3Y Avg | 28 |
| CFO LTM | 191 |
| CFO 3Y Avg | 29 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 21.7% |
| Rev Chg 3Y Avg | 6.9% |
| Rev Chg Q | 19.0% |
| QoQ Delta Rev Chg LTM | 4.5% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 16.5% |
| CFO/Rev 3Y Avg | 31.4% |
| FCF/Rev LTM | 11.2% |
| FCF/Rev 3Y Avg | 28.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.7 |
| P/S | 3.8 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.1 |
| P/CFO | 11.1 |
| Total Yield | 11.0% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 6.7% |
| D/E | 0.4 |
| Net D/E | -0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.1% |
| 3M Rtn | -4.6% |
| 6M Rtn | 15.1% |
| 12M Rtn | 14.3% |
| 3Y Rtn | 55.7% |
| 1M Excs Rtn | -7.9% |
| 3M Excs Rtn | -12.1% |
| 6M Excs Rtn | 3.6% |
| 12M Excs Rtn | -8.4% |
| 3Y Excs Rtn | -19.0% |
Price Behavior
Price Behavior
| Market Price | $24.61 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 06/30/1999 | |
| Distance from 52W High | -2.8% | |
| 50 Days | 200 Days | |
| DMA Price | $23.17 | $22.87 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 6.2% | 7.6% |
| 3M | 1YR | |
| Volatility | 28.7% | 35.9% |
| Downside Capture | 68.98 | 95.09 |
| Upside Capture | 62.69 | 77.78 |
| Correlation (SPY) | 13.9% | 29.4% |
GCBC Betas & Captures as of 4/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.08 | 0.10 | 0.10 | 0.32 | 0.89 | 0.82 |
| Up Beta | -0.36 | -0.40 | -0.37 | 0.09 | 1.03 | 0.70 |
| Down Beta | 1.94 | -0.59 | -0.12 | 0.47 | 0.76 | 0.65 |
| Up Capture | 53% | 68% | 52% | 42% | 71% | 79% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 12 | 21 | 32 | 58 | 113 | 355 |
| Down Capture | 122% | 27% | 15% | 26% | 97% | 102% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 21 | 31 | 66 | 138 | 388 |
[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 | |
|---|---|---|---|---|
| GCBC | 7.4% | 35.8% | 0.26 | - |
| Sector ETF (XLF) | 0.6% | 14.6% | -0.18 | 43.6% |
| Equity (SPY) | 25.0% | 12.1% | 1.55 | 29.4% |
| Gold (GLD) | 40.0% | 26.8% | 1.23 | -13.1% |
| Commodities (DBC) | 49.4% | 18.5% | 2.03 | -14.1% |
| Real Estate (VNQ) | 9.7% | 13.4% | 0.45 | 33.4% |
| Bitcoin (BTCUSD) | -25.6% | 41.9% | -0.59 | 16.3% |
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 | |
|---|---|---|---|---|
| GCBC | 32.1% | 62.9% | 0.63 | - |
| Sector ETF (XLF) | 8.7% | 18.6% | 0.35 | 23.0% |
| Equity (SPY) | 14.2% | 17.0% | 0.65 | 16.4% |
| Gold (GLD) | 19.3% | 18.0% | 0.87 | -4.4% |
| Commodities (DBC) | 11.0% | 19.4% | 0.45 | 2.7% |
| Real Estate (VNQ) | 4.0% | 18.8% | 0.11 | 15.2% |
| Bitcoin (BTCUSD) | 9.4% | 55.6% | 0.38 | 8.3% |
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 | |
|---|---|---|---|---|
| GCBC | 20.2% | 53.2% | 0.52 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 27.4% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 21.6% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -4.3% |
| Commodities (DBC) | 8.4% | 17.9% | 0.38 | 6.0% |
| Real Estate (VNQ) | 5.1% | 20.7% | 0.21 | 19.2% |
| Bitcoin (BTCUSD) | 67.2% | 66.9% | 1.06 | 9.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/22/2026 | -1.3% | 6.7% | |
| 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% |
| 10/22/2024 | 0.6% | 1.5% | 11.7% |
| 7/23/2024 | -3.8% | -1.1% | -12.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 5 | 13 | 14 |
| # Negative | 19 | 11 | 9 |
| Median Positive | 2.2% | 2.7% | 6.7% |
| Median Negative | -1.1% | -3.8% | -3.8% |
| Max Positive | 6.3% | 9.6% | 18.0% |
| Max Negative | -3.8% | -8.4% | -12.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 02/06/2026 | 10-Q |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 09/05/2025 | 10-K |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/07/2025 | 10-Q |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 09/06/2024 | 10-K |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 02/09/2024 | 10-Q |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 09/08/2023 | 10-K |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 02/10/2023 | 10-Q |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 09/09/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Brust, John | 401(k) | Buy | 4282026 | 24.50 | 2,041 | 50,004 | 152,414 | Form | |
| 2 | Brust, John | 401(k) | Buy | 4282026 | 24.05 | 2,080 | 50,034 | 100,550 | Form | |
| 3 | Hogan, Peter W | 401(k) | Buy | 3182026 | 22.10 | 3,000 | 66,300 | 1,657,500 | Form | |
| 4 | Hada, Tejraj S | Direct | Buy | 3182026 | 21.95 | 4,000 | 87,800 | 777,623 | Form | |
| 5 | Hada, Tejraj S | Direct | Buy | 3182026 | 21.99 | 2,000 | 43,980 | 691,080 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.