Greene Bancorp Inc
GCBCFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 2:32 PM ET
36.15+0.33 (0.92%)
2026-11-11 20:32 CET
Market cap
609.85 USD m
Revenue, TTM
- USD m
Net income, TTM
44.65 USD m
Free cash flow, TTM
53.76 USD m
EPS diluted, TTM
2.62
P/E
13.78
Price
GCBC against its 20, 50 and 200-day averages2050200
3.0% under the 52-week high of 37.25 on 22 Oct 2026. 52-week low 21.38 on 12 Mar 2026. Last 15 sessions, 7.1% high to low
Profile
GCBC52-week range, 93% of the way up
21.3837.25
Greene County Bancorp, Inc. is a bank holding company, which engages in the provision of full-service banking including retail, commercial, municipal and investment management. Its services include personal banking, checking accounts, savings accounts, loans, commercial lending, business accounts, municipal banking services, and investment services. The company was founded in December 1998 and is headquartered in Catskill, NY.
| Index | RUT |
|---|---|
| Employees | 216 |
| IPO | Jan 04, 1999 |
| Beta | 0.51 |
| ATR, 14d | 0.95 |
| Rel volume | 1.00 |
| Short float | 1.24% |
| Insider own | 58.17% |
| Inst own | 15.32% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 615.47M |
| Enterprise Value | - |
| Income | 44.65M |
| Sales | 147.69M |
| Book/sh | 16.80 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.41 (1.13%) |
| Dividend Ex-Date | Nov 13, 2026 |
| Dividend Gr. 3/5Y | 12.62% 10.76% |
| Payout | 16.60% |
| Employees | 216 |
| IPO | Jan 04, 1999 |
Ratios
| P/E | 13.78 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 4.17 |
| P/B | 2.15 |
| P/C | - |
| P/FCF | 11.45 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.06 |
| Debt/Eq | 0.24 |
| LT Debt/Eq | 0.10 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.62 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 10.04% 11.37% |
| Sales past 3/5Y | 14.64% 16.48% |
| EPS Y/Y TTM | 32.33% |
| Sales Y/Y TTM | 7.77% |
| EPS Q/Q | 40.97% |
| Sales Q/Q | 5.33% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 58.17% |
|---|---|
| Insider Trans | -0.20% |
| Inst Own | 15.32% |
| Inst Trans | 2.24% |
| ROA | 1.42% |
| ROE | 16.72% |
| ROIC | 14.23% |
| Gross Margin | - |
| Oper. Margin | 34.58% |
| Profit Margin | 30.23% |
| SMA20 | 1.55% |
| SMA50 | 3.07% |
| SMA200 | 23.65% |
| Trades | - |
Technical
| Shs Outstand | 17.03M |
|---|---|
| Shs Float | 7.12M |
| Short Float | 1.24% |
| Short Ratio | 2.93 |
| Short Interest | 0.09M |
| 52W High | 37.25 -2.95% |
| 52W Low | 21.38 69.08% |
| Volatility | 2.56% 2.57% |
| ATR (14) | 0.95 |
| RSI (14) | 55.75 |
| Beta | 0.51 |
| Rel Volume | 1.00 |
| Avg Volume | 30.14K |
| Volume | 23,689 |
Performance
| Perf Week | -1.20% |
|---|---|
| Perf Month | 5.09% |
| Perf Quarter | 3.40% |
| Perf Half Y | 48.58% |
| Perf YTD | 62.62% |
| Perf Year | 58.14% |
| Perf 3Y | 47.61% |
| Perf 5Y | 109.50% |
| Perf 10Y | 232.41% |
| Recom | - |
| Target Price | - |
| Prev Close | 35.82 |
| Price | 36.15 |
| Change % | 0.92% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| TRST | Trustco Bank Corp | 957.37M |
| PBFS | Pioneer Bancorp Inc | 453.74M |
| AROW | Arrow Financial Corp | 714.62M |
| OBT | Orange County Bancorp Inc | 534.03M |
| RBKB | Rhinebeck Bancorp Inc | 207.02M |
| CHMG | Chemung Financial Corp | 414.35M |
| FISI | Financial Institutions Inc | 784.53M |
| NBTB | NBT Bancorp Inc | 2.75B |
| PBHC | Pathfinder Bancorp Inc | 106.36M |
| KRNY | Kearny Financial Corp | 601.57M |
Insider trading
14 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| PLUMMER MICHELLE M | Director | Nov 09 '26 | Sale | 35.52 | 10,000 | 355,200 | 89,560 | Nov 09 04:22 PM |
| Plummer, Michelle M. (GCBC) | Director | Nov 06 '26 | Proposed Sale | 36.80 | 10,000 | 368,000 | Nov 06 07:06 AM | |
| PLUMMER MICHELLE M | Director | Jun 11 '26 | Sale | 28.77 | 10,000 | 287,700 | 99,560 | Jun 15 11:55 AM |
| Plummer, Michelle M. (GCBC) | Director | Jun 11 '26 | Proposed Sale | 28.21 | 10,000 | 282,100 | Jun 11 12:15 PM | |
| Brust John | Director | Apr 27 '26 | Buy | 24.05 | 2,080 | 50,034 | 4,180 | Apr 28 03:34 PM |
| Brust John | Director | Apr 28 '26 | Buy | 24.50 | 2,041 | 50,004 | 6,221 | Apr 28 03:34 PM |
| Hogan Peter W. | Director | Mar 18 '26 | Buy | 22.10 | 3,000 | 66,300 | 75,000 | Mar 18 05:17 PM |
| Hada Tejraj S | Director | Mar 18 '26 | Buy | 21.95 | 4,000 | 87,800 | 35,427 | Mar 18 05:10 PM |
| Hada Tejraj S | Director | Mar 17 '26 | Buy | 21.99 | 2,000 | 43,980 | 31,427 | Mar 18 05:10 PM |
| Barzee Nick | SVP and CFO | Mar 05 '26 | Buy | 22.55 | 1,280 | 28,864 | 4,520 | Mar 05 05:15 PM |
| Cannucciari Christopher | Director | Mar 02 '26 | Buy | 22.05 | 1,300 | 28,665 | 4,378 | Mar 03 12:57 PM |
| Hada Tejraj S | Director | Nov 18 '25 | Buy | 21.96 | 3,000 | 65,880 | 27,923 | Nov 19 04:19 PM |
| Antalek John | EVP and CLO | Nov 18 '25 | Buy | 22.00 | 1,500 | 33,000 | 7,567 | Nov 19 12:33 PM |
| Hada Tejraj S | Director | Nov 14 '25 | Buy | 22.00 | 366 | 8,052 | 24,923 | Nov 17 02:43 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DES | WisdomTree U.S. SmallCap Dividend Fund | AUM: 2.12B |
| AVSC | Avantis U.S Small Cap Equity ETF | AUM: 3.23B |
News
latest 14 of 200- Greene County Bancorp, Inc. Announces Name Change to Greene Bancorp, Inc. (GlobeNewswire)
- Greene County: Fiscal Q1 Earnings Snapshot (Associated Press)
- Greene County Bancorp, Inc. Reports Record High Net Income of $12.5 Million for the Quarter Ended September 30, 2026, an Increase of 41% when Compared to the Quarter Ended September 30, 2025 (GlobeNewswire)
- Greene County Bancorp, Inc. Announces Cash Dividend (GlobeNewswire)
- Greene County: Fiscal Q4 Earnings Snapshot (Associated Press)
- Greene County Bancorp, Inc. Reports Record Fiscal Year 2026 Earnings, Achieves Highest Quarterly Net Income in Company History, and Earns National Top-Performing Bank Recognition (GlobeNewswire)
- Greene County Bancorp, Inc. Announces Cash Dividend Increase (GlobeNewswire)
- Greene County: Fiscal Q3 Earnings Snapshot (Associated Press)
- Greene County Bancorp, Inc. Delivers Net Income of $10.5 Million for the Quarter Ended March 31, 2026, the Highest Quarterly Earnings in the Bank's 137-Year History and Announces a Stock Repurchase Program (GlobeNewswire)
- Greene County Bancorp, Inc. Announces Cash Dividend (GlobeNewswire)
- Greene County Bancorp, Inc. Adopts Stock Repurchase Program (GlobeNewswire)
- Greene County Bancorp, Inc. Announces Cash Dividend (GlobeNewswire)
- Greene County: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
- Greene County Bancorp, Inc. Delivers Net Income of $10.3 Million for the Quarter Ended December 31, 2025, the Highest Quarterly Earnings in the Bank's 137-Year History (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| No quarterly earnings. | |||||||
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.844 | 1.024 | 1.098 | 1.406 | 1.644 | 1.808 | 1.455 | 1.829 | 2.409 | 2.6227 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| EPS, quarterly | 0.368 | 0.44 | 0.473 | 0.548 | 0.521 | 0.605 | 0.618 | 0.666 | 0.734 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Sales, annual | 46.409 | 54.669 | 61.964 | 67.995 | 75.581 | 96.771 | 117.572 | 132.938 | 145.794 | 147.69 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| Sales, quarterly | 31.506 | 33.293 | 33.635 | 34.504 | 35.609 | 36.653 | 36.277 | 37.255 | 37.507 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Shares, annual | 17.076 | 17.076 | 17.027 | 17.027 | 17.027 | 17.027 | 17.027 | 17.027 | 17.025 | 17.025 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | MRQ |
| Shares, quarterly | 17.027 | 17.027 | 17.027 | 17.027 | 17.027 | 17.027 | 17.027 | 17.025 | 17.025 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
Income statement, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 134.10 | 131.13 | 117.70 | 103.66 | 84.62 | 63.44 | 58.33 | 53.31 | 46.31 |
| Total Interest Expense | 51.82 | 53.21 | 57.58 | 52.69 | 23.41 | 5.44 | 5.18 | 8.48 | 6.31 |
| Net Interest Income | 82.28 | 77.91 | 60.12 | 50.98 | 61.22 | 58.01 | 53.15 | 44.83 | 40.00 |
| Loan Loss Provision | 0.34 | 2.03 | 1.32 | 0.77 | -1.07 | 3.28 | 3.97 | 3.90 | 1.66 |
| Net Interest Income After Loan Loss Provision | 81.94 | 75.88 | 58.80 | 50.21 | 62.29 | 54.73 | 49.17 | 40.93 | 38.34 |
| Non-Interest Income | 13.59 | 14.67 | 15.23 | 13.91 | 12.15 | 12.14 | 9.67 | 8.65 | 8.36 |
| Non-Interest Expense | 44.46 | 43.72 | 39.37 | 37.30 | 38.61 | 33.96 | 31.22 | 27.82 | 25.68 |
| Operating Income | 51.07 | 46.83 | 34.67 | 26.82 | 35.83 | 32.91 | 27.61 | 21.76 | 21.03 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 51.07 | 46.83 | 34.67 | 26.82 | 35.83 | 32.91 | 27.61 | 21.76 | 21.03 |
| Income Taxes | 6.42 | 5.81 | 3.53 | 2.05 | 5.04 | 4.92 | 3.67 | 3.03 | 3.54 |
| Consolidated Net Income | 44.65 | 41.02 | 31.14 | 24.77 | 30.79 | 27.99 | 23.94 | 18.73 | 17.48 |
| Net Income From Continuing Operations | 44.65 | 41.02 | 31.14 | 24.77 | 30.79 | 27.99 | 23.94 | 18.73 | 17.48 |
| Net Income | 44.65 | 41.02 | 31.14 | 24.77 | 30.79 | 27.99 | 23.94 | 18.73 | 17.48 |
| EPS (Recurring) | 2.62 | 2.41 | 1.83 | 1.45 | 1.81 | 1.64 | 1.41 | 1.10 | 1.02 |
| EPS (Basic, Before Extraordinaries) | 2.62 | 2.41 | 1.83 | 1.45 | 1.81 | 1.64 | 1.41 | 1.10 | 1.02 |
| EPS (Diluted) | 2.62 | 2.41 | 1.83 | 1.45 | 1.81 | 1.64 | 1.41 | 1.10 | 1.02 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 2.90 | 2.45 | 2.71 | 3.51 | - | - | - | - |
| Price To Earnings Ratio | 13.66 | 13.66 | 13.26 | 23.43 | 16.48 | 13.78 | 10.00 | 10.16 | 14.83 |
| Price To Sales Ratio | 3.86 | 3.92 | 2.85 | 4.88 | 5.24 | 5.10 | 3.52 | 3.07 | 4.59 |
| Operating Margin | 34.58 | 32.12 | 26.08 | 22.81 | 37.02 | 43.54 | 40.61 | 35.11 | 38.46 |
| Net Margin | 30.23 | 28.14 | 23.42 | 21.07 | 31.81 | 37.03 | 35.21 | 30.22 | 31.98 |
| Shares Outstanding | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.08 |
| Market Capitalization | 609.85 | 609.85 | 378.34 | 573.97 | 507.40 | 385.57 | 239.40 | 189.85 | 251.18 |
Income statement, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 34.60 | 33.43 | 32.58 | 33.50 | 31.62 | 30.74 | 29.78 | 29.42 |
| Total Interest Expense | 12.71 | 12.28 | 12.39 | 14.44 | 14.10 | 14.03 | 13.57 | 15.35 |
| Net Interest Income | 21.89 | 21.15 | 20.19 | 19.06 | 17.52 | 16.71 | 16.21 | 14.07 |
| Loan Loss Provision | -0.43 | 0.13 | 0.45 | 0.20 | 1.26 | -0.88 | 1.08 | 0.48 |
| Net Interest Income After Loan Loss Provision | 22.32 | 21.02 | 19.73 | 18.86 | 16.26 | 17.59 | 15.13 | 13.59 |
| Non-Interest Income | 2.91 | 3.83 | 3.70 | 3.16 | 3.99 | 3.77 | 3.86 | 3.88 |
| Non-Interest Expense | 10.80 | 11.92 | 11.28 | 10.46 | 10.06 | 10.39 | 10.04 | 9.39 |
| Operating Income | 14.43 | 12.93 | 12.16 | 11.56 | 10.19 | 10.96 | 8.94 | 8.08 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 14.43 | 12.93 | 12.16 | 11.56 | 10.19 | 10.96 | 8.94 | 8.08 |
| Income Taxes | 1.93 | 1.59 | 1.64 | 1.26 | 1.32 | 1.62 | 0.89 | 0.59 |
| Consolidated Net Income | 12.50 | 11.34 | 10.52 | 10.29 | 8.87 | 9.33 | 8.05 | 7.49 |
| Net Income From Continuing Operations | 12.50 | 11.34 | 10.52 | 10.29 | 8.87 | 9.33 | 8.05 | 7.49 |
| Net Income | 12.50 | 11.34 | 10.52 | 10.29 | 8.87 | 9.33 | 8.05 | 7.49 |
| EPS (Recurring) | 0.73 | 0.67 | 0.62 | 0.60 | 0.52 | 0.55 | 0.47 | 0.44 |
| EPS (Basic, Before Extraordinaries) | 0.73 | 0.67 | 0.62 | 0.60 | 0.52 | 0.55 | 0.47 | 0.44 |
| EPS (Diluted) | 0.73 | 0.67 | 0.62 | 0.60 | 0.52 | 0.55 | 0.47 | 0.44 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.99 | 0.95 | - | - | 0.82 | 0.81 | - |
| Price To Earnings Ratio | 13.66 | 14.66 | 10.44 | 11.22 | 12.36 | 13.26 | 15.58 | 19.22 |
| Price To Sales Ratio | 3.86 | 3.92 | 2.67 | 2.70 | 2.81 | 2.85 | 3.17 | 3.77 |
| Operating Margin | 38.47 | 34.70 | 33.52 | 31.53 | 28.61 | 31.76 | 26.58 | 24.27 |
| Net Margin | 33.33 | 30.43 | 29.00 | 28.08 | 24.91 | 27.05 | 23.95 | 22.50 |
| Shares Outstanding | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 | 17.03 |
| Market Capitalization | 609.85 | 571.89 | 381.57 | 378.51 | 384.81 | 378.34 | 410.52 | 471.98 |
Balance sheet, annual
| Metric | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 12.31 | 12.79 | 13.90 | 196.44 | 69.01 | 149.78 | 40.46 | 29.54 | 26.50 |
| Investments | 1,323.18 | 1,314.56 | 1,227.89 | 1,014.06 | 1,181.10 | 893.75 | 615.93 | 431.82 | 399.50 |
| Net Loans | 1,731.48 | 1,607.26 | 1,480.23 | 1,387.65 | 1,229.36 | 1,085.95 | 993.52 | 785.74 | 704.43 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | 0.00 | 0.30 | 0.07 | 0.06 | 0.00 | 0.05 | 0.12 |
| Net Property, Plant & Equipment | 17.04 | 17.52 | 17.68 | 17.22 | 16.34 | 16.02 | 15.23 | 13.26 | 13.30 |
| Interest Receivables | 17.18 | 16.38 | 14.27 | 12.25 | 8.92 | 7.78 | 8.21 | 5.85 | 5.06 |
| Deferred Tax Assets | 17.54 | 16.82 | 18.55 | 18.17 | 16.69 | 8.98 | 7.62 | 6.09 | 4.68 |
| Other Intangible Assets | 70.80 | 61.56 | 59.73 | 57.72 | 55.57 | 42.57 | 1.37 | 1.94 | 2.01 |
| Total Assets | 3,189.53 | 3,046.89 | 2,832.25 | 2,703.82 | 2,577.05 | 2,204.90 | 1,682.34 | 1,274.30 | 1,155.61 |
| Total Deposits | 2,713.40 | 2,639.84 | 2,389.22 | 2,437.16 | 2,212.60 | 2,005.11 | 1,501.08 | 1,120.57 | 1,025.23 |
| Total Debt | 157.43 | 130.42 | 201.30 | 51.77 | 175.05 | 24.57 | 27.07 | 21.60 | 18.15 |
| Long Term Debt | 37.85 | 55.87 | 85.50 | 51.32 | 50.99 | 21.24 | 7.11 | 7.60 | 12.65 |
| Provision for Risks Charges | 6.30 | 5.53 | 6.26 | 6.18 | 0.12 | 0.52 | 1.29 | 0.84 | 1.25 |
| Deferred Tax Liabilities | 6.10 | 6.28 | 6.46 | 5.53 | 5.31 | 4.56 | 5.54 | 4.84 | 4.13 |
| Other Liabilities | 28.47 | 25.99 | 23.00 | 19.89 | 26.26 | 20.56 | 18.56 | 14.08 | 10.66 |
| Total Liabilities | 2,911.70 | 2,808.05 | 2,626.25 | 2,520.53 | 2,419.34 | 2,055.31 | 1,553.54 | 1,161.93 | 1,059.41 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 277.83 | 238.84 | 206.00 | 183.28 | 157.71 | 149.58 | 128.81 | 112.37 | 96.19 |
| Total Shareholders Equity | 277.83 | 238.84 | 206.00 | 183.28 | 157.71 | 149.58 | 128.81 | 112.37 | 96.19 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 277.83 | 238.84 | 206.00 | 183.28 | 157.71 | 149.58 | 128.81 | 112.37 | 96.19 |
| Total Liabilities & Stockholders Equity | 3,189.53 | 3,046.89 | 2,832.25 | 2,703.82 | 2,577.05 | 2,204.90 | 1,682.34 | 1,274.30 | 1,155.61 |
| Book Value Per Share | 16.32 | 14.03 | 12.10 | 10.76 | 9.26 | 8.79 | 7.56 | 6.58 | 5.63 |
| Tangible Book Value Per Share | 16.32 | 14.03 | 12.10 | 10.76 | 9.26 | 8.79 | 7.56 | 6.58 | 5.63 |
| Tier 1 Capital | 289.31 | 271.87 | 253.47 | 230.23 | 203.94 | 170.34 | 131.31 | 108.72 | 94.15 |
| Tier 2 Capital | 53.80 | 22.08 | 19.99 | 18.94 | 17.30 | 13.73 | 11.22 | 9.40 | 8.40 |
| Full-Time Employees | 216 | 203 | 200 | 206 | 206 | 177 | 186 | 172 | 164 |
| Price to Book Ratio | 2.13 | 1.65 | 2.88 | 2.77 | 2.44 | 1.60 | 1.47 | 2.32 | 3.12 |
| Return on Assets | 1.32 | 1.06 | 0.89 | 1.17 | 1.17 | 1.23 | 1.27 | 1.44 | 1.34 |
| Return on Equity | 15.88 | 14.00 | 12.73 | 18.06 | 18.21 | 17.20 | 15.53 | 16.77 | 16.03 |
| Return on Invested Capital | 12.99 | 10.57 | 8.50 | 13.12 | 13.41 | 14.02 | 13.78 | 14.57 | 13.24 |
| Current Ratio | 0.06 | 0.08 | 0.09 | 0.10 | 0.04 | 0.10 | 0.04 | 0.04 | 0.04 |
Cash flow, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 40.97 | 38.51 | 31.13 | 25.00 | 32.17 | 30.36 | 25.97 | 24.02 | 19.61 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 13.23 | 3.79 | -3.15 | -0.09 | -4.06 | 4.99 | 1.79 | 2.70 | 2.01 |
| Cash from Operating Activities | 54.20 | 42.30 | 27.98 | 24.91 | 28.11 | 35.35 | 27.75 | 26.72 | 21.62 |
| Capital Expenditures | -6.79 | -7.09 | -0.69 | -24.61 | -1.54 | -13.05 | -41.25 | -1.12 | -0.59 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -91.61 | -41.09 | -84.00 | -31.42 | 155.52 | -309.44 | -282.59 | -183.13 | -30.55 |
| Purchase of Investments | -748.95 | -694.20 | -444.16 | -329.59 | -211.96 | -669.21 | -626.64 | -391.49 | -191.32 |
| Sale Or Maturity of Investments | 657.34 | 653.10 | 360.16 | 298.17 | 367.48 | 359.77 | 344.05 | 208.37 | 160.77 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 23.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -206.25 | -176.93 | -210.17 | -129.24 | 0.66 | -471.18 | -417.14 | -397.32 | -115.34 |
| Cash Dividends Paid | -4.13 | -4.05 | -4.47 | -3.24 | -2.19 | -2.63 | -2.43 | -2.24 | -2.04 |
| Change in Capital Stock | -0.03 | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.63 | 0.00 |
| Repurchase of Common Pref Stock | -0.03 | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.63 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 11.98 | 26.98 | -71.27 | 149.46 | -123.70 | 150.20 | -2.91 | 3.88 | 3.45 |
| Change in Long Term Debt | -28.02 | -18.02 | -29.97 | 34.16 | 0.00 | 29.50 | 11.98 | -6.00 | -4.55 |
| Issuance of Long Term Debt | 1.98 | 1.98 | 4.19 | 34.16 | 0.00 | 29.50 | 19.58 | 0.00 | 0.95 |
| Reduction of Long Term Debt | -30.00 | -20.00 | -34.16 | 0.00 | 0.00 | 0.00 | -7.60 | -6.00 | -5.50 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | - | 0.00 | - | - | 0.00 | - |
| Cash from Financing Activities | 132.47 | 96.46 | 174.87 | 98.28 | 98.67 | 355.06 | 498.70 | 381.52 | 96.75 |
| Net Change in Cash | -19.57 | -38.17 | -7.32 | -6.05 | 127.44 | -80.77 | 109.31 | 10.93 | 3.03 |
| Free Cash Flow | 53.76 | 41.56 | 27.29 | 23.40 | 26.57 | 34.30 | 26.50 | 25.61 | 21.04 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 11.49 | 15.25 | 16.58 | 28.47 | 20.81 | 12.18 | 9.95 | 8.14 | 13.22 |
| Federal Home Loan Advances Increase (Decrease) | - | -2.27 | 1.79 | -5.61 | 5.12 | -5.71 | 0.14 | 0.53 | -0.21 |
Balance sheet, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 24.52 | 12.31 | 10.51 | 8.80 | 27.37 | 12.79 |
| Investments | 1,344.29 | 1,323.18 | 1,324.98 | 1,354.82 | 1,275.06 | 1,314.56 |
| Net Loans | 1,754.57 | 1,731.48 | 1,725.92 | 1,665.85 | 1,649.56 | 1,607.26 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 16.74 | 17.04 | 17.18 | 17.33 | 17.52 | 17.52 |
| Interest Receivables | 18.61 | 17.18 | 20.07 | 17.98 | 17.32 | 16.38 |
| Deferred Tax Assets | - | 17.54 | - | - | - | 16.82 |
| Other Intangible Assets | 83.76 | 70.80 | 82.49 | 82.21 | 71.72 | 61.56 |
| Total Assets | 3,242.62 | 3,189.53 | 3,181.16 | 3,146.99 | 3,058.55 | 3,046.89 |
| Total Deposits | 2,847.84 | 2,713.40 | 2,772.55 | 2,641.04 | 2,723.19 | 2,639.84 |
| Total Debt | 68.33 | 157.43 | 109.60 | 216.26 | 56.35 | 130.42 |
| Long Term Debt | 27.89 | 37.85 | 35.83 | 35.97 | 55.92 | 55.87 |
| Provision for Risks Charges | 28.50 | 6.30 | 5.33 | 4.40 | 24.80 | 5.53 |
| Deferred Tax Liabilities | - | 6.10 | - | - | - | 6.28 |
| Other Liabilities | 11.97 | 28.47 | 26.08 | 27.03 | 6.03 | 25.99 |
| Total Liabilities | 2,956.64 | 2,911.70 | 2,913.56 | 2,888.73 | 2,810.37 | 2,808.05 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 285.98 | 277.83 | 267.59 | 258.27 | 248.18 | 238.84 |
| Total Shareholders Equity | 285.98 | 277.83 | 267.59 | 258.27 | 248.18 | 238.84 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 285.98 | 277.83 | 267.59 | 258.27 | 248.18 | 238.84 |
| Total Liabilities & Stockholders Equity | 3,242.62 | 3,189.53 | 3,181.16 | 3,146.99 | 3,058.55 | 3,046.89 |
| Book Value Per Share | 16.80 | 16.32 | 15.72 | 15.17 | 14.58 | 14.03 |
| Tangible Book Value Per Share | 16.80 | 16.32 | 15.72 | 15.17 | 14.58 | 14.03 |
| Tier 1 Capital | 300.96 | 289.31 | 302.80 | 291.97 | 281.35 | 271.87 |
| Tier 2 Capital | 38.80 | 53.80 | - | 23.34 | 22.75 | 22.08 |
| Full-Time Employees | - | 216 | - | - | - | 203 |
| Price to Book Ratio | 2.13 | 2.14 | 1.48 | 1.53 | 1.61 | 1.65 |
| Return on Assets | 1.42 | 1.32 | 1.26 | 1.20 | 1.14 | 1.06 |
| Return on Equity | 16.72 | 15.88 | 15.71 | 15.33 | 14.53 | 14.00 |
| Return on Invested Capital | 3.98 | 3.59 | 3.47 | 3.50 | 2.92 | 3.17 |
| Current Ratio | 0.06 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 |
Cash flow, quarterly
No statement data.
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| No short interest data. | ||||
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 8-K | Current report | 2026-11-07 | SEC |
| 2026-11-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-09 | SEC |
| 2026-11-09 | 8-K | Current report | 2026-11-07 | SEC |
| 2026-11-06 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-22 | 8-K | Current report | 2026-10-22 | SEC |
| 2026-10-21 | 8-K | Current report | 2026-10-20 | SEC |
| 2026-09-25 | ARS | Annual report to security holders. | 2026-06-30 | SEC |
| 2026-09-25 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-09-25 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-11-07 | SEC |
| 2026-09-15 | 8-K | Current report | 2026-09-15 | SEC |
| 2026-09-15 | PRE 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-11-07 | SEC |
| 2026-09-09 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-22 | 8-K | Current report | 2026-07-21 | SEC |
| 2026-06-24 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-22 | 8-K | Current report | 2026-06-22 | SEC |
| 2026-06-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-11 | SEC |
| 2026-06-11 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-27 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-21 | SEC |
| 2026-04-15 | 8-K | Current report | 2026-04-15 | SEC |
| 2026-03-20 | 8-K | Current report | 2026-03-19 | SEC |
| 2026-03-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-17 | SEC |
| 2026-03-09 | 8-K | Current report | 2026-03-09 | SEC |
| 2026-03-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-05 | SEC |
| 2026-03-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 355.20K | 1 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 287.70K | 1 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 100.04K | 2 | 0 | 0 |
| 2026-03 | 255.61K | 5 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 146.83K | 6 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 3.92% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.89% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.06% |
| STATE STREET CORP | 0.76% |
| DIMENSIONAL FUND ADVISORS LP | 0.68% |
| NewEdge Advisors, LLC | 0.64% |
| GOLDMAN SACHS GROUP INC | 0.47% |
| NORTHERN TRUST CORP | 0.41% |
| Angel Oak Capital Advisors, LLC | 0.36% |
| RENAISSANCE TECHNOLOGIES LLC | 0.31% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.30% |
| iShares Russell 2000 ETF | 1.12% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.48% |
| Fidelity Small Cap Index Fund | 0.45% |
| Avantis U.S. Small Cap Value ETF | 0.44% |
| iShares Russell 2000 Value ETF | 0.35% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.24% |
| Fidelity Extended Market Index Fund | 0.20% |
| BlackRock Advantage Small Cap Growth Fund | 0.16% |
| Angel Oak Financial Strategies Income Term Trust | 0.15% |
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