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Greene County Bancorp, Inc.

Greene County Bancorp, Inc.

NASDAQ•GCBC
CEO: Mr. Donald E. Gibson
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-06-30
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. It also offers loan products, such as residential, construction and land, and multifamily loans; commercial real estate mortgage loans; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, the company engages in provision of transaction processing and investment brokerage services through third-party service provider; and investment and sale of securities; and operates banking office, lending centers, operations center, customer call center, and wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
連絡先情報
302 Main Street, P.O. Box 470, Catskill, NY, 12414, United States
518-943-2600
greenecountybancorp.q4ir.com
時価総額
$409.50M
PER (TTM)
11.2
15.2
配当利回り
1.6%
52週高値
$27.62
52週安値
$20.00
52週レンジ
53%
順位30Top 19.5%
5.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q2 2026 データ

売上高

$36.65M+10.09%
直近4四半期の推移

EPS

$0.60+36.36%
直近4四半期の推移

フリーCF

$6.22M-100.00%
直近4四半期の推移

2026 Q2 決算ハイライト

主なハイライト

Net Interest Income Surge Net Interest Income $36.6M (6M), up $9.4M. Asset yields increased 19-21 BPs, offsetting higher liability balances.
Strong Profitability Growth Six-month Net Income $19.16M, up 39.3% from $13.75M. Basic EPS reached $1.13 versus $0.81 prior year.
Loan Portfolio Expansion Net loans receivable grew 3.6% to $1.67B since June 30, 2025. CRE loans comprise 65.1% of total portfolio.
Capital Strength Maintained Total Risk-Based Capital 16.9% (Bank), well above 8.0% minimum. Liquidity position remains strong with $124.1M cash.

リスク要因

Noninterest Income Decline Total noninterest income fell 18.6% for the quarter, driven by $576K loss on available-for-sale securities sales.
Rising Operating Expenses Noninterest expense rose 11.4% ($1.1M) for the quarter, mainly due to higher salaries and legal/professional fees.
Credit Loss Provision Increase Provision for credit losses rose to $1.46M (6M). ACL to loans slightly increased to 1.26% of net loans.
Interest Rate Sensitivity Interest rate risk remains significant; asset sensitivity requires careful management of deposit rates versus loan yields.

見通し

NIM Management Focus Management focuses on prudently managing asset/liability mix following Federal Reserve rate cuts to sustain NIM gains.
Pension Plan Termination Pension Plan termination process initiated, resulting in a $199K settlement charge recognized in expenses.
Loan Quality Monitoring Credit quality monitored closely; non-accrual loans remain low at 0.20% of total loans receivable portfolio.
Subsequent Event Dividend Board declared $0.10 quarterly dividend on January 21, 2026, payable February 27, 2026, to shareholders of record.

同業比較

売上高 (TTM)

Kearny Financial Corp.KRNY
$343.87M
-1.6%
Carter Bankshares, Inc.CARE
$251.68M
+5.0%
Southern First Bancshares, Inc.SFST
$224.62M
+5.3%

粗利益率 (最新四半期)

Sierra BancorpBSRR
100.0%
+0.0pp
Community West BancsharesCWBC
74.7%
+6.1pp
Home Bancorp, Inc.HBCP
71.3%
+5.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
VBNK$533.49M25.55.4%1.8%
KRNY$505.58M15.64.3%14.4%
BSRR$494.81M11.511.3%1.3%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.9%
緩やかな成長
4四半期純利益CAGR
8.5%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q2 2026

    会計期末: 2025年12月31日|提出日: 2026年2月6日|
    売上高: $36.65M+10.1%
    |
    EPS: $0.60+36.4%
    不明
  • Form 10-Q - Q1 2026

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $35.61M+13.0%
    |
    EPS: $0.52+40.5%
    不明
  • Form 10-K - FY 2025

    会計期末: 2025年6月30日|提出日: 2025年9月5日|
    売上高: $132.94M+13.1%
    |
    EPS: $1.83+26.2%
    不明
  • Form 10-Q - Q3 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $33.64M+14.1%
    |
    EPS: $0.47+38.2%
    不明
  • Form 10-Q - Q2 2025

    会計期末: 2024年12月31日|提出日: 2025年2月7日|
    売上高: $33.29M+14.5%
    |
    EPS: $0.44+29.4%
    不明
  • Form 10-Q - Q1 2025

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $31.51M+12.6%
    |
    EPS: $0.37-2.6%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年6月30日|提出日: 2024年9月6日|
    売上高: $117.57M+21.5%
    |
    EPS: $1.45-19.9%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $29.48M+18.0%
    |
    EPS: $0.34-29.2%
    不明