GCBC at a glance
GREENE COUNTY BANCORP INC (GCBC, SEC CIK 1070524) filed its latest 10-K annual report on September 9, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on September 15, 2026 and Form 4 insider filings as recently as June 15, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), GREENE COUNTY BANCORP INC (GCBC) reported revenue of $131.1 million (up 11.4% from FY2025) and net income of $41.0 million. Diluted EPS was $2.41.
- As of June 30, 2026, 19 institutional investment managers tracked by SignalX reported holding GREENE COUNTY BANCORP INC (GCBC) shares worth $61.5 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by PLUMMER MICHELLE M on June 11, 2026 of 10,000 shares at $28.77 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $131.1M
- +11.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 19 funds
- $61.5M · −1 vs prior quarter
- Latest 8-K
- Sep 15, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Business Overview
- Core business model: Community bank primarily focused on originating and holding residential and commercial real estate mortgage loans, consumer and commercial loans, funded largely by retail, commercial, and municipal deposits
- New emphasis on growth in commercial lending and an increased focus on adjustable-rate mortgage (ARM) residential loans including first-time homebuyer programs with 30-year fixed terms
- Strategic shift: Expanded commercial real estate loan portfolio including $28.0 million in purchased loans outside primary market area, showing geographic and portfolio diversification
- Notable metric: Total assets at $3.18 billion, deposits $2.71 billion, Bank employee count steady at 227 with average tenure 7.1 years, 19 full-service offices mainly in NY’s Hudson Valley and Capital District
- Unusual fact: Greene County Bancorp, MHC received member approval and FRB non-objection to waive dividends up to $0.64 per share for 2026, a rare regulatory-mentioned dividend waiver under mutual holding company rules
Risk Factors
- Section 'risk_factors' was empty or not found.
Management Discussion & Analysis
- Revenue $131.1M, up 11.4% YoY from $117.7M, driven by $13.4M increase in interest income and deposit growth
- Net interest margin 2.65% vs 2.19%, net interest rate spread 2.43% vs 1.97%, net income $41.0M up 31.7% from $31.1M
- Best segment: Commercial real estate loans grew $92.3M to $1.15B (65.4% of loans); worst: Noninterest income down 3.7% to $14.7M
- Cash and equivalents $144.9M down $38.2M; repurchased 1,343 shares for $31.6K; dividends paid $4.0M; capex $741K mainly on IT/infrastructure
- Management outlook cautious on economic, interest rate, and credit risks; no material impact expected from new tax law; maintains strong liquidity and capital adequacy
AI summary of the GCBC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Best/worst performing segment or product line not identified; commercial real estate loans largest at $1.2B
- Cash and equivalents $139.5M, down $43.6M or 23.8% from June 30, 2025
- Loan growth $118.7M or 7.4%; securities purchases $569.3M over nine months, with interest-rate and funding risks flagged
Risk Factors
- No new or changed risk factors disclosed; filing states risk factors are not applicable to smaller reporting companies
- Regulatory and compliance risk: no director or officer adopted or terminated Rule 10b5-1 arrangements during quarter ended March 31, 2026
- Capital-allocation risk: April 15, 2026 repurchase program authorizes up to 400,000 shares
- Market risk: repurchases depend on general market conditions, stock price, capital alternatives, and financial performance
AI summary of the GCBC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- $10.0M subordinated-note redemption completed September 15, 2026 at 100% of principal plus accrued interest
- Cash on hand funded the redemption, reducing outstanding Notes to $20.0M
Item 2.02: Results of Operations and Financial Condition
- Fiscal-year and quarterly results released for periods ended June 30, 2026
- Press release included as Exhibit 99.1, providing the financial details investors should review
Item EX-99.1: Item EX-99.1
- Fiscal 2026 net income reached record $41.0M, up 31.7%, with EPS rising to $2.41 from $1.83
- Net interest margin expanded to 2.65% from 2.19%, driven by asset repricing and lower deposit funding costs
Item EX-99.1: Item EX-99.1
- Quarterly dividend raised to $0.11 per share, implying $0.44 annually
- 10.0% increase from prior $0.40 annual dividend, signaling stronger shareholder returns
Item 8.01: Other Events
- Quarterly cash dividend increased to $0.11 per share
- Annualized dividend rate $0.44, up 10.0% from $0.40
AI summaries of GCBC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for GCBC
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| PLUMMER MICHELLE M | Sell | Jun 11, 2026 | 10,000 | $28.77 |
| Brust John | Buy | Apr 28, 2026 | 2,041 | $24.50 |
| Brust John | Buy | Apr 27, 2026 | 1,040 | $24.05 |
| Brust John | Buy | Apr 27, 2026 | 1,040 | $24.06 |
| Hada Tejraj S | Buy | Mar 18, 2026 | 4,000 | $21.95 |
| Hogan Peter W. | Buy | Mar 18, 2026 | 3,000 | $22.10 |
| Hada Tejraj S | Buy | Mar 17, 2026 | 2,000 | $21.99 |
| Barzee Nick | Buy | Mar 5, 2026 | 1,280 | $22.55 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | $103.7M | $117.7M | $131.1M |
| Net Income | $24.8M | $31.1M | $41.0M |
| Net Margin | 23.9% | 26.5% | 31.3% |
| Balance Sheet | |||
| Total Assets | $2.8B | $3.0B | $3.2B |
| Equity | $206.0M | $238.8M | $277.8M |
| ROE | 12.0% | 13.0% | 14.8% |
| Per Share | |||
| EPS | - | $1.83 | $2.41 |
| Cash Flow | |||
| Operating CF | $24.9M | $28.0M | $42.3M |
| CapEx | $1.5M | $691K | $741K |
Source: XBRL data in GREENE COUNTY BANCORP INC (GCBC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate GCBC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 19 | $61.5M |
| Q1 2026 | 20 | $36.2M |
| Q4 2025 | 19 | $37.5M |
| Q3 2025 | 19 | $38.2M |
| Q2 2025 | 17 | $34.9M |
| Q1 2025 | 14 | $22.5M |
| Q4 2024 | 10 | $39.1M |
| Q3 2024 | 7 | $9.9M |
- Vanguard Capital Management LLC+194.0K (+65%)
- Northern Trust+18.9K (+37%)
- Goldman Sachs Group+11.7K (+17%)
- Dimensional Fund Advisors+9.3K (+10%)
- AQR Capital Management+7.7K (+47%)
- BlackRock−10.5K (-2%)
- Two Sigma Investments−2.6K (-13%)
- Bank of America Corp−2.2K (-10%)
- Morgan Stanley−2.1K (-6%)
- Citadel Advisors LLC−1.4K (-12%)
- Millennium Management−23.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 125 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
GCBC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 10-K | Sep 9, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 8-K | Jun 22, 2026 | - | Analysis | - |
| 4 | Jun 15, 2026 | - | - | - |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | Apr 28, 2026 | - | - | - |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 8-K | Mar 20, 2026 | - | - | - |
| 4 | Mar 18, 2026 | - | - | - |
| 4 | Mar 18, 2026 | - | - | - |
| 8-K | Mar 9, 2026 | - | Analysis | - |
| 4 | Mar 5, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
| 10-Q | Feb 6, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Jan 21, 2026 | - | - | |
| 8-K | Jan 21, 2026 | - | - | |
| 4 | Nov 24, 2025 | - | - | |
| 10-Q | Nov 7, 2025 | Sep 30, 2025 | Analysis | |
| 10-K | Sep 5, 2025 | Jun 30, 2025 | - | |
| 10-Q | May 9, 2025 | Mar 31, 2025 | - | |
| 10-Q | Feb 7, 2025 | Dec 31, 2024 | - |
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GCBC SEC filings: frequently asked questions
Which institutions hold GCBC stock?
As of June 30, 2026, the largest GREENE COUNTY BANCORP INC (GCBC) holders among the 13F filers tracked by SignalX were BlackRock ($22.4 million), Vanguard Capital Management LLC ($16.5 million), State Street Corp ($4.3 million), Dimensional Fund Advisors ($3.4 million), Goldman Sachs Group ($2.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was GCBC's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), GREENE COUNTY BANCORP INC (GCBC) reported revenue of $131.1 million (up 11.4% from FY2025) and net income of $41.0 million. Diluted EPS was $2.41. The figures come from the XBRL data in the 10-K.
What are the main risks in GCBC's latest 10-K?
In the 10-K filed September 9, 2026, GREENE COUNTY BANCORP INC (GCBC) flagged: Section 'risk_factors' was empty or not found. (AI summary of the Risk Factors section.)
What did GCBC report in its latest 8-K?
GREENE COUNTY BANCORP INC (GCBC) filed an 8-K on September 15, 2026 reporting Item 8.01 (Other Events). $10.0M subordinated-note redemption completed September 15, 2026 at 100% of principal plus accrued interest.
What are the latest GCBC SEC filings?
GREENE COUNTY BANCORP INC (GCBC) filed its latest 10-K annual report on September 9, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on September 15, 2026 and a Form 4 insider filing on June 15, 2026.
What is GCBC's SEC CIK number?
GREENE COUNTY BANCORP INC (GCBC)'s SEC Central Index Key (CIK) is 1070524. EDGAR lists every GCBC filing under that number.
Ask anything about GCBC
The research agent reads GCBC's filings, financials, insider trades and 13F holders, then answers with sources.