NASDAQ: GCBCGreene County Bancorp Inc Stock
$24.16-0.57 (-2.3%)
Updated Aug 25, 2025
GCBC Price
$24.16
Fair Value Price
N/A
Market Cap
$411.37M
52 Week Low
$20.00
52 Week High
$35.34
P/E
14.47x
P/B
1.8x
P/S
5.91x
PEG
2.11x
Dividend Yield
1.53%
Revenue
$69.41M
Earnings
$28.54M
Gross Margin
100%
Operating Margin
44%
Profit Margin
41.1%
Debt to Equity
12.13
Operating Cash Flow
$26M
Beta
0.69
Next Earnings
Oct 21, 2025
Ex-Dividend
Aug 15, 2025
Next Dividend
Aug 29, 2025
GCBC Overview
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine GCBC's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
GCBC
Ranked#174 of 292
Ranked#174 of 292
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $39.34 | A | |
| $41.90 | B | |
| $16.99 | B |
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GCBC News
Overview
Due Diligence Score
–
Industry Average (36)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how GCBC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
GCBC ($24.16) is trading above its intrinsic value of $13.78, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
GCBC is good value based on its earnings relative to its share price (14.47x), compared to the US market average (35.53x)
P/E vs Market Valuation
GCBC is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more GCBC due diligence checks available for Premium users.
Valuation
GCBC fair value
Fair Value of GCBC stock based on Discounted Cash Flow (DCF)
Price
$24.16
Fair Value
-$7.52
Undervalued by
421.24%
GCBC ($24.16) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
GCBC price to earnings (PE)
For valuing profitable companies with steady earnings
Company
14.47x
Industry
12.07x
Market
35.53x
GCBC is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
GCBC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
GCBC price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.8x
Industry
1.24x
GCBC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
GCBC price to earnings growth (PEG)
For valuing profitable companies with growth potential
GCBC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
GCBC's financial health
Profit margin
Revenue
$19.0M
Net Income
$8.1M
Profit Margin
42.4%
GCBC's Earnings (EBIT) of $30.54M... subscribe to Premium to read more.
Interest Coverage Financials
GCBC's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$3.0B
Liabilities
$2.8B
Debt to equity
12.13
GCBC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
GCBC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$7.3M
Investing
-$48.1M
Financing
$29.9M
GCBC's operating cash flow ($25.83M)... subscribe to Premium to read more.
Debt Coverage Financials
GCBC vs Bank Stocks
Greene County Bancorp Stock FAQ
Company
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