Is Greene County Bancorp, Inc. (GCBC) Overvalued?
We dive into why Greene County Bancorp, Inc. (GCBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
Commentary & Analysis
Why Greene County Bancorp, Inc.’s (GCBC) Stock Is Up 5.30%
As of Thursday, June 18, Greene County Bancorp, Inc.’s GCBC share price has surged by 5.30%, which has investors questioning if this is right time to sell.Jenna Brashear
6 Undervalued Banks Stocks for Thursday, May 28
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Why Greene County Bancorp, Inc.’s (GCBC) Stock Is Up 5.11%
As of Thursday, February 26, Greene County Bancorp, Inc.’s GCBC share price has surged by 5.11%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Greene County Bancorp, Inc.’s (GCBC) Stock Is Down 9.00%
As of Tuesday, February 17, Greene County Bancorp, Inc.’s GCBC share price has dipped by 9.00%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | GCBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $592.5 | $745.4 | 38% |
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| Shares Out (Mil) | 17.0 | 15.3 | 27% |
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| Institutional Ownership | 74.6% | 83.2% | 45% |
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| Float (Mil) | 6.9 | 21.8 | 15% |
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| Beta | 0.39 | 0.42 | 22% |
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| Avg Daily Volume (000s) | 26 | 45 | 22% |
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| Price Change (52-week) |
47.7% | 94.6% | 77% |
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| Growth | GCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.2% | 7.7% | 51% |
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| Net Income (5yr) | 10.7% | 11.1% | 56% |
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| EPS (5yr) | 10.7% | 10.1% | 48 |
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| Dividends (5yr) | 10.5% | 3.6% | 67% |
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| Cash Flow (5yr) | (21.7%) | (17.1%) | 30% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | GCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $86 | $196 | 25% |
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| Net Income (TTM) (Mil) | $39 | $55 | 53% |
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| EPS (TTM) | $2.292 | $2.600 | 74% |
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| Operating Cash Flow (TTM) (Mil) | $37 | $35 | 45% |
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| Net Cash Flow (TTM) (Mil) | ($16) | $2 | 27% |
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| Long-Term Debt (Q1) (Mil) | $36 | $100 | 36% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | GCBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.21 | 1.25 | 53% |
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| P/E | 15.2 | 12.4 | 37% |
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| Dividend Yield | 1.1% | 2.2% | 68% |
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| PEG (5yr hist) | 1.4 | 1.1 | 57% |
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| Ratios | GCBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 45.3% | 29.1% | 96% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 15.7% | 11.3% | 72% |
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| Liabilities to Assets | 91.6% | 89.7% | 88% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
