NASDAQ: GCBCGreene County Bancorp Inc Stock
$29.66-0.51 (-1.69%)
Updated Jun 15, 2026
GCBC Price
$29.66
Fair Value Price
$44.99
Market Cap
$504.89M
52 Week Low
$21.25
52 Week High
$30.71
P/E
12.95x
P/B
1.89x
P/S
4.38x
PEG
1.36x
Dividend Yield
1.35%
Revenue
$87.05M
Earnings
$39.02M
Gross Margin
100%
Operating Margin
51.53%
Profit Margin
44.8%
Debt to Equity
10.89
Operating Cash Flow
$37M
Beta
0.68
Next Earnings
Jul 22, 2026
Ex-Dividend
N/A
Next Dividend
N/A
GCBC Overview
Greene County Bancorp, Inc. serves as the parent organization for The Bank of Greene County, delivering a diverse range of financial solutions throughout the United States. Its array of deposit products encompasses savings accounts, interest-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending activities include a comprehensive portfolio featuring residential, construction and land, and multi-family mortgage loans, alongside commercial real estate mortgages. Consumer credit options are also available, such as financing for new and used automobiles, personal loans, home equity loans, and various other installment loans including passbook-secured loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdraft facilities. Additionally, the company provides commercial loans. As of June 30, 2021, it maintained a network of 17 full-service banking branches. The company, founded in 1889, is headquartered in Catskill, New York, and operates as 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
C
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#146 of 283
Ranked#146 of 283
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $54.64 | B | |
| $29.48 | B | |
| $70.50 | B |
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GCBC News
Overview
Due Diligence Score
–
Industry Average (38)
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 ($29.66) is undervalued by 34.08% relative to our estimate of its Fair Value price of $44.99 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
GCBC ($29.66) is significantly undervalued by 34.08% relative to our estimate of its Fair Value price of $44.99 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
GCBC ($29.66) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value 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
$29.66
Fair Value
$44.99
Undervalued by
34.07%
GCBC ($29.66) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
GCBC ($29.66) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
GCBC ($29.66) 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
12.95x
Industry
13.92x
Market
14.3x
GCBC is good 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
1.89x
Industry
1.27x
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
$23.4M
Net Income
$10.5M
Profit Margin
44.9%
GCBC's Earnings (EBIT) of $44.86M... 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
$3.2B
Liabilities
$2.9B
Debt to equity
10.89
GCBC's debt relative to shareholder... 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
$10.7M
Investing
-$18.3M
Financing
$23.0M
GCBC's operating cash flow ($37.26M)... subscribe to Premium to read more.
Debt Coverage Financials
GCBC vs Bank Stocks
Greene County Bancorp Stock FAQ
Company
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