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GCBC

GREENE COUNTY BANCORP INC
7 filings tracked
financialsasset managementSMALL ($300M-2B)

Company Intelligence Hub

Filing history, signal momentum, and bull/bear evolution

Chronological Filing Evolution (Click to filter / toggle)

Thesis (Bull Case Evolution)

Greene County Bancorp is demonstrating a powerful growth trajectory, characterized by a significant surge in net income and a disciplined approach to balance sheet management.…

Bullish Outlook

Antithesis (Bear Case / Structural Risks)

Despite the headline growth, significant risks lurk within the balance sheet, most notably a substantial amount of unrealized losses in the securities portfolio.…

Risk Factors

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Synthesis (Verdict & Resolution)

The quarterly filing reveals a company at a crossroads between impressive operational performance and systemic balance sheet risks. On one hand, the financial results are objectively strong, with net income and margins trending upward. The bank has proven its ability to manage a diverse loan portfolio and maintain an exceptionally low level of non-performing assets, which provides a significant cushion against immediate credit shocks. However, the synthesis of the data suggests that the 'margin expansion' narrative may be masking a fragile liquidity structure. The tension between high-performing earnings and the massive unrealized losses in the securities portfolio creates a binary outcome for investors. The overall impact of the filing is positive in the short term, but the long-term trajectory will depend on the bank's ability to manage its municipal deposit base and the speed at which the Federal Reserve adjusts the rate environment.

Selected Quarter

Core Takeaway

The bank is delivering high ROE and earnings growth, but its capital cushion is vulnerable to a potential $97.5M securities write-down.

Investor Lens

The trade-off is between current high-yield performance and the systemic risk of a securities-driven capital hit.

Watch Next

The impact of future Fed rate cuts on the net interest margin and the realization of AFS securities losses.

View Full SEC Report

Signal Momentum Chart

Quarterly net bull/bear signal ratio. Click nodes to select a quarter.

BULLISH (+1.0)NEUTRAL (0.0)BEARISH (-1.0)+0.43Q2 '26 (10-Q)

Signal Timeline

Active Filters:Quarter: Q2 '26 (10-Q)
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%
bullishMay 8

Net income surged 36% year-over-year for the nine-month period.

earnings beat
90%
bullishMay 8

Net interest margin increased by 45 basis points to 2.59%.

margin expansion
70%
bullishMay 8

Board adopted a stock repurchase program for up to 400,000 shares.

buyback
50%
bearishMay 8

Significant unrealized losses in securities portfolio pose a potential hit to equity.

dilution risk
40%

Filing History

10-QMay 8, 2026
Expand Sequence

The quarterly filing reveals a company at a crossroads between impressive operational performance and systemic balance sheet risks. On one hand, the financial results are objectively strong, with net income and margins trending upward. The bank has proven its ability to manage a diverse loan portfolio and maintain an exceptionally low level of non-performing assets, which provides a significant cushion against immediate credit shocks. However, the synthesis of the data suggests that the 'margin expansion' narrative may be masking a fragile liquidity structure. The tension between high-performing earnings and the massive unrealized losses in the securities portfolio creates a binary outcome for investors. The overall impact of the filing is positive in the short term, but the long-term trajectory will depend on the bank's ability to manage its municipal deposit base and the speed at which the Federal Reserve adjusts the rate environment.

Disclaimer: The synthesis provided is generated by AI models and should not be construed as investment advice. Analysis is based solely on regulatory data present at the time of publication. Consult a financial advisor for specific investment strategies.