Greene County Bancorp, Inc.
GCBCFinancial Services · Stock · quarterly payer
Forward Yield
1.23%
Annual Dividend
$0.44
Payout Ratio
17%
5-Yr Growth
10.6%
Ex-Date
Aug 14, 2026
Frequency
Quarterly
Summary
As of September 2026, Greene County Bancorp, Inc. (GCBC) yields 1.23% ($0.44 per share annually), with a blended fair-value estimate of $42.42 — +19% upside, so it screens as undervalued. Dividend safety grade: A (89/100). 12 years of dividend growth.
Is GCBC a good dividend stock?
YesGreene County Bancorp, Inc. (GCBC) pays a quarterly dividend yielding 1.23% ($0.44/yr), with 12 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- 12 consecutive years of dividend growth
- Comfortable payout ratio (17%)
- Strong 10.6% 5-yr dividend growth
- 97% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2008
Key Data
- Dividend Yield
- 1.23%
- Payout Ratio
- 17%
- Annual Dividend
- $0.44
- 5-Yr Avg Growth
- 10.6%
- Ex-Dividend Date
- Aug 14, 2026
- Years of Growth
- 12
- Frequency
- quarterly
- Beta
- 0.39
- Market Cap
- $607.0M
- P/E Ratio
- 14.8
- 5-Yr Total Return
- 97%
- 52-Week Range
- $21.25 – $36.02
- Dividend Safety
- A · 89/100
- Ever Cut?
- Yes (2008)
Frequently Asked Questions
GCBC Price — Last 12 Months
Daily close
Price Return
1 Year
+58%
3 Years
+48%
5 Years
+97%
52-Week Range
$21.25 – $36.02
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is GCBC worth?
Undervaluedmedium confidenceOur blended fair-value estimate for Greene County Bancorp, Inc. is $42.42 per share, versus a market price of $35.65. That implies 19% of upside — a margin of safety of about 16%.
Fair Value
$42.42
Current Price
$35.65
Upside
+19%
Margin of Safety
16%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 3.6% annual free-cash-flow growth. We model 10.6% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 10.6% stage-1 growth, 2.5% terminal growth, $2.41 EPS, $0.44 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
GCBC Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 14, 2026 | — | $0.1100 | regular |
| May 15, 2026 | — | $0.1000 | regular |
| Feb 13, 2026 | — | $0.1000 | regular |
| Nov 14, 2025 | — | $0.1000 | regular |
| Aug 15, 2025 | — | $0.1000 | regular |
| May 16, 2025 | — | $0.0900 | regular |
| Feb 14, 2025 | — | $0.0900 | regular |
| Nov 15, 2024 | — | $0.0900 | regular |
| Aug 15, 2024 | — | $0.0900 | regular |
| May 14, 2024 | — | $0.0800 | regular |
| Feb 14, 2024 | — | $0.0800 | regular |
| Nov 14, 2023 | — | $0.0800 | regular |
| Aug 11, 2023 | — | $0.0800 | regular |
| May 12, 2023 | — | $0.0700 | regular |
Income Calculator
At $0.44 / yr per share
