GCBC
NEUTRAL
$23.3
Live
Greene County Bancorp, Inc. · NASDAQ
$20.62
52W Range
$26.04
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$396.73M
P/E
10.84
ROE
15.3%
Profit margin
44.6%
Debt/Equity
N/A
Dividend yield
1.67%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
GCBC presents a conflicting profile: it is fundamentally undervalued with a Piotroski F-Score of 3/9 indicating weak operational health, yet it exhibits strong growth and value metrics. The stock trades significantly below its Graham Number ($27.09) and Intrinsic Value ($63.42), suggesting a deep discount. However, the bearish technical trend (0/100) and poor health score offset the aggressive YoY earnings growth of 36.40%. The overall outlook remains neutral until fundamental health improves to match the growth trajectory.
Key Strengths
Strong earnings growth (36.40% YoY)
Trading below Graham Number ($27.09) and Intrinsic Value ($63.42)
Healthy ROE of 15.33% and ROA of 1.20%
Very sustainable dividend payout ratio (17.67%)
Low P/E ratio (10.84) relative to growth rates
Key Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamentals
Strongly bearish technical trend (0/100)
Lack of analyst coverage and institutional guidance
Small market cap ($0.40B) increasing volatility risk
Regional bank sector exposure to interest rate sensitivity
AI Fair Value Estimate
Based on comprehensive analysis
$32.5
+39.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
90
85
60
30
50
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Strong growth metrics, Poor fundamental health score, Bearish technicals
Confidence
85%
Value
90/100
Ref P/E 10.84, Graham Number $27.09
Positives
- Price < Graham Number
- Price << Intrinsic Value
- Low P/E
Watchpoints
- P/B of 1.54 is moderate for regional banks
Future
85/100
Ref YoY Growth rates
Positives
- Revenue growth 26.10%
- Earnings growth 36.40%
Watchpoints
- Sustainability of high growth in regional banking
Past
60/100
Ref Historical price performance
Positives
- 5Y Change +98.4%
Watchpoints
- Recent technical trend is 0/100
Health
30/100
Ref Piotroski F-Score
Positives
- Positive ROA
Watchpoints
- Piotroski F-Score 3/9 (Weak)
Dividend
50/100
Ref Yield and Payout
Positives
- Low payout ratio (17.67%)
Watchpoints
- Low yield (1.67%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$23.3
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for GCBC and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
GCBC
Greene County Bancorp, Inc.
Primary
|
+98.4% | +10.1% | +8.4% | +4.8% | +4.7% | +1.7% |
|
BSVN
Bank7 Corp.
Peer
|
+177.2% | +89.9% | +18.6% | -7.5% | +4.5% | +4.4% |
|
GLAD
Gladstone Capital Corporation
Peer
|
+25.5% | +25.6% | -23.1% | -7.3% | -2.7% | -2.6% |
|
BGR
BlackRock Energy and Resources Trust
Peer
|
+168.3% | +43.1% | +22.1% | +17.5% | +12.3% | +2.4% |
|
GBLI
Global Indemnity Group, LLC
Peer
|
+20.4% | +13.2% | -4.0% | -2.2% | -3.1% | +1.6% |
GCB
Greene County Bancorp, Inc.
Primary
5Y
+98.4%
3Y
+10.1%
1Y
+8.4%
6M
+4.8%
1M
+4.7%
1W
+1.7%
BSV
Bank7 Corp.
Peer
5Y
+177.2%
3Y
+89.9%
1Y
+18.6%
6M
-7.5%
1M
+4.5%
1W
+4.4%
GLA
Gladstone Capital Corporation
Peer
5Y
+25.5%
3Y
+25.6%
1Y
-23.1%
6M
-7.3%
1M
-2.7%
1W
-2.6%
BGR
BlackRock Energy and Resources Trust
Peer
5Y
+168.3%
3Y
+43.1%
1Y
+22.1%
6M
+17.5%
1M
+12.3%
1W
+2.4%
GBL
Global Indemnity Group, LLC
Peer
5Y
+20.4%
3Y
+13.2%
1Y
-4.0%
6M
-2.2%
1M
-3.1%
1W
+1.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.84
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.54
P/S Ratio
4.84
EV/Revenue
5.89
EV/EBITDA
N/A
Market Cap
$396.73M
Profitability
Profit margins and return metrics
Profit Margin
44.58%
Operating Margin
54.17%
Gross Margin
N/A
ROE
15.33%
ROA
1.2%
Growth
Revenue and earnings growth rates
Revenue Growth
+26.1%
Earnings Growth
+36.4%
Q/Q Revenue Growth
+23.81%
Q/Q Earnings Growth
+37.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.64
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
46.3%
Total Assets
$3.1B
Liabilities
$2.9B
Equity
$0.3B
Debt/Equity
11.18x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
Financial Services Sector Comparison
Comparing GCBC against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
10.84
This Stock
vs
55.13
Sector Avg
-80.3%
(Discount)
Return on Equity (ROE)
15.33%
This Stock
vs
-0.93%
Sector Avg
-1752.8%
(Below Avg)
Profit Margin
44.58%
This Stock
vs
69.73%
Sector Avg
-36.1%
(Weaker)
Revenue Growth
26.1%
This Stock
vs
32.66%
Sector Avg
-20.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
GCBC
Greene County Bancorp, Inc.
|
NEUTRAL | $396.73M | 10.84 | 15.3% | 44.6% | $23.3 | |
|
BSVN
Bank7 Corp.
|
NEUTRAL | $396.39M | 9.25 | 18.6% | 45.0% | $41.64 | Compare |
|
GLAD
Gladstone Capital Corporation
|
BEARISH | $394.02M | 11.04 | 7.2% | 38.9% | $17.44 | Compare |
|
BGR
BlackRock Energy and...
|
BEARISH | $391.63M | 1500.0 | -0.0% | -0.8% | $15.0 | Compare |
|
GBLI
Global Indemnity Group, LLC
|
BEARISH | $401.82M | 16.0 | 3.6% | 5.6% | $28.0 | Compare |
GCBC
Greene County...
NEUTRAL
Mkt Cap
$397M
P/E
10.8
ROE
15.3%
Price
$23.3
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-18 | HOGAN PETER W. CPA | Director | Purchase | 3,000 | $66,300 |
| 2026-03-18 | HADA TEJRAJ S | Director | Purchase | 6,000 | $131,780 |
| 2026-03-05 | BARZEE NICK | Chief Financial Officer | Purchase | 1,280 | $28,864 |
| 2026-03-02 | CANNUCCIARI CHRISTOPHER | Director | Purchase | 1,300 | $28,665 |
| 2025-11-19 | HADA TEJRAJ S | Director | Purchase | 1,268 | $23,583 |
| 2025-11-18 | HADA TEJRAJ S | Director | Purchase | 3,000 | $65,880 |
| 2025-11-18 | ANTALEK JOHN | Officer | Purchase | 1,500 | $33,000 |
| 2025-11-14 | HADA TEJRAJ S | Director | Purchase | 366 | $8,052 |
| 2025-11-05 | HADA TEJRAJ S | Director | Purchase | 1,545 | $34,779 |
| 2025-11-03 | HADA TEJRAJ S | Director | Purchase | 235 | $5,123 |
| 2025-10-29 | GIBSON DONALD E | Chief Executive Officer | Purchase | 1,000 | $21,875 |
| 2025-10-29 | CANNUCCIARI CHRISTOPHER | Director | Purchase | 1,129 | $25,815 |
| 2025-10-24 | CAHALAN JAY P | Director | Purchase | 4,300 | $97,743 |
HOGAN PETER W. CPA
Director
2026-03-18
3,000 shares
·
$66,300
HADA TEJRAJ S
Director
2026-03-18
6,000 shares
·
$131,780
BARZEE NICK
Chief Financial Officer
2026-03-05
1,280 shares
·
$28,864
CANNUCCIARI CHRISTOPHER
Director
2026-03-02
1,300 shares
·
$28,665
HADA TEJRAJ S
Director
2025-11-19
1,268 shares
·
$23,583
HADA TEJRAJ S
Director
2025-11-18
3,000 shares
·
$65,880
ANTALEK JOHN
Officer
2025-11-18
1,500 shares
·
$33,000
HADA TEJRAJ S
Director
2025-11-14
366 shares
·
$8,052
HADA TEJRAJ S
Director
2025-11-05
1,545 shares
·
$34,779
HADA TEJRAJ S
Director
2025-11-03
235 shares
·
$5,123
GIBSON DONALD E
Chief Executive Officer
2025-10-29
1,000 shares
·
$21,875
CANNUCCIARI CHRISTOPHER
Director
2025-10-29
1,129 shares
·
$25,815
CAHALAN JAY P
Director
2025-10-24
4,300 shares
·
$97,743
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning GCBC from our newsroom.
Newest → oldest
No matching news yet.