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Company Analysis

Greene County Bancorp, Inc. GCBC

A comprehensive view of key metrics, scores, and financial health for Greene County Bancorp, Inc.

Overview of Greene County Bancorp, Inc.

GCBC NCM
Financial Services Banks - Regional Small Cap
Greene County Bancorp, Inc. (GCBC), is a Small Cap company, in the Banks - Regional industry, last closed at $21.90, about 28.3% overvalued vs fair value, -7.1% 1Y return, ranked 718/1004 in sector.
$21.90
-0.54%
As of March 13, 2026
Previous close • Vol 90d: 32.8%
52-Week Range
Market Cap
$372.89M
Enterprise Value
$461.69M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://greenecountybancorp.q4...
HQ Catskill, NY
Employees 190
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$16
$29
Current: $21.90 -28% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$117.7M
13.5%%
Interest Expense
$57.6M
Net Interest Income
$60.1M
17.9%%
Total Revenue
$75.4M
16.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.5M
14.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Greene County Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
73
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing GCBC's balance between Growth (17.2%), Profitability (43.9%), and Safety (38.9%). Growth 17% Safety 39% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

33th percentile vs peers
34
Key Signals
Asset Growth YoY 7.6% 70p Rev Growth YoY 16.1% 22p Revenue CAGR 3Y 2.4% 10p
Strengths
  • Roe in top 20% of peers (14.0%, 87th percentile)
  • Operating Margin in top 20% of peers (48.8%, 96th percentile)
  • Net Profit Margin in top 20% of peers (41.3%, 98th percentile)
  • Roe in top 20% of peers (14.0%, 87th percentile)
Risks
  • Growth below peer median (percentile: 33)

Profitability

86th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
76
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Greene County Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$15.70
- - -
-28.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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