Greene Cnty Bancorp Inc Stock Price, News & Analysis

Greene County Bancorp (NASDAQ: GCBC) reported record quarterly net income of $10.3 million and record six-month net income of $19.2 million for the period ended December 31, 2025. Total consolidated assets reached a record $3.1 billion with net loans of $1.7 billion. Return on average assets was 1.27% and return on average equity was 15.45% for the six months ended December 31, 2025. Net interest income rose to $36.6 million for the six months and net interest margin improved to 2.51%. Pre-provision net income increased 38.7% year-over-year to $20.6 million.

Greene County Bancorp (NASDAQ: GCBC) announced on December 9, 2025 that it was named to Piper Sandler’s Class of 2025 Small-Cap All Stars, ranking 9th of 24 banks and thrifts. The company said this marks its ninth inclusion since the program began in 2004, more than any other bank in the 2025 class. Piper Sandler’s All Star selection requires a market cap below $2.5 billion and strong performance on growth, profitability, credit quality, and capital strength. Company leadership framed the recognition as evidence of a resilient community-banking model and credited employees and directors for sustained service to customers and local communities.

Greene County Bancorp (NASDAQ:GCBC) announced a quarterly cash dividend of $0.10 per share (annualized $0.40 per share), unchanged from the prior quarter. The dividend is for the quarter ended September 30, 2025, payable to shareholders of record November 14, 2025, and expected to be paid on November 28, 2025.

The company is majority‑owned (54.1%) by Greene County Bancorp, MHC, which is waiving receipt of this dividend. The Federal Reserve Bank of Philadelphia issued a nonobjection to the MHC waiver covering dividends aggregating up to $0.48 per share for the four quarters ending with September 30, 2025. Greene County Bancorp is the holding company for Bank of Greene County and Greene County Commercial Bank, serving the Hudson Valley and Capital District regions of New York.

Greene County Bancorp (NASDAQ: GCBC) reported net income of $8.9 million and $0.52 per share for the three months ended September 30, 2025, up 41.7% from the prior year quarter. The company posted record balances: $3.1 billion in total assets, $1.6 billion in net loans, and $2.7 billion in total deposits. Return on average assets was 1.21% and return on average equity was 14.59%. Net interest income rose to $17.5 million and net interest margin expanded to 2.48%. Provision for credit losses increased to $1.3 million. The company finalized expansion into Saratoga County with a Clifton Park office ribbon cutting on October 25, 2025.

Greene County Bancorp (NASDAQ: GCBC) reported record-high net income of $31.1 million for fiscal year 2025, a 25.7% increase from $24.8 million in 2024. The company achieved earnings per share of $1.83, up from $1.45 year-over-year.

Key financial metrics include total assets of $3.0 billion, net loans of $1.6 billion, and deposits of $2.6 billion. The company maintained strong performance with a Return on Average Assets of 1.10% and Return on Average Equity of 14.08%. Net interest margin improved to 2.19% for FY2025.

Additionally, GCBC announced plans to expand into Saratoga County, marking their sixth county of operation in New York State. The company was also recognized as the number one commercial mortgage lender in New York's Capital Region for 2024.

Greene County Bancorp (NASDAQ:GCBC) has announced a quarterly cash dividend increase. The Board approved a quarterly dividend of $0.10 per share, reflecting an annual rate of $0.40 per share - an 11.1% increase from the previous $0.36 per share.

The dividend will be paid to shareholders of record as of August 15, 2025, with payment expected on August 29, 2025. Greene County Bancorp, MHC, which owns 54.1% of outstanding shares, will waive its receipt of this dividend, having received Federal Reserve Bank of Philadelphia's nonobjection for dividends up to $0.48 per share through September 30, 2025.

Greene County Bancorp (NASDAQ: GCBC) reported strong financial results for Q3 2025, with net income reaching $8.1 million ($0.47 per share), up 37.4% from $5.9 million in Q3 2024. The company achieved a significant milestone by surpassing $3.0 billion in total assets.

Key financial highlights include:

• Net income of $21.8 million for the nine months ended March 31, 2025 (up 20.9% YoY)
• Total deposits reached $2.7 billion (up 11.1%)
• Net loans increased to $1.6 billion (up 8.0%)
• Return on Average Assets: 1.04%
• Return on Average Equity: 13.40%

The company's growth was driven by higher-yielding loans and securities, alongside strategic deposit rate management. Net interest margin improved to 2.32% for Q3 2025, up from 1.90% in Q3 2024. Credit quality remained strong with nonperforming assets at 0.10% of total assets.

Greene County Bancorp (NASDAQ:GCBC) has declared a quarterly cash dividend of $0.09 per share, maintaining an annual dividend rate of $0.36 per share. The dividend will be paid on May 30, 2025, to shareholders of record as of May 16, 2025.

Greene County Bancorp, MHC, which owns 54.1% of the company's outstanding shares, has received approval from the Federal Reserve Bank of Philadelphia to waive its dividend rights for up to $0.48 per share across four quarters ending September 30, 2025.

Greene County Bancorp (NASDAQ: GCBC) reported strong financial results for Q2 fiscal 2025. Net income reached $7.5 million ($0.44 per share) for the quarter ended December 31, 2024, marking a 31.2% increase from $5.7 million in the same period last year.

The company achieved record highs with total assets of $2.97 billion, net loans of $1.53 billion, and total deposits of $2.47 billion. Net interest income increased by $1.7 million to $14.1 million for the quarter, driven by higher interest-earning assets and improved interest rates.

Credit quality remained strong with nonperforming assets at 0.14% of total assets. The company strategically managed its balance sheet by focusing on higher-yielding loans and securities while adjusting deposit rates in response to Federal Reserve policy changes, resulting in improved net interest margin of 2.04% for the quarter.