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GCBC

BUY

Greene County Bancorp, Inc. · Financial Services · United States · $562M · Avg Vol: $2M/d

76
StockRank
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Q
65
V
30
M
75
P/E (TTM)
14.2x
ROE
15.7%
D/E
0.5x
Dividend %
1.2%
Dir. Trades · 180d
+$198.1K · −$287.7K →
Buybacks · 180d
None →

COMPANY DESCRIPTION

Greene County Bancorp, Inc. operates as a bank holding company for Greene County Commercial Bank, providing a full range of retail and commercial banking services to communities in New York's Greene and Columbia counties. The bank distinguishes itself through its deep local roots and customer-centric approach, fostering strong relationships within its defined regional market.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM
Revenue—70.1M73.4M64.9M75.4M2.4%86.4M
EPS1.411.651.811.451.836.8%2.29
Shares—17.0M17.0M17.0M17.0M0.0%17.0M
Debt—173.0M49.5M199.1M128.1M-9.5%110.2M
Equity—157.7M183.3M206.0M238.8M14.8%—
Op CF—35.4M28.1M24.9M28.0M-7.5%37.3M
Inv CF—-471.2M0.7M-129.2M-210.2M——
Fin CF—355.1M98.7M98.3M174.9M——
Loading 1Y...
PRICE (1Y)+10.8%
28.3929.9631.5233.0934.66Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$33.42
RSI (14)
44.8
52W High
$36.02
From 52W High
0.9%

SCORE BREAKDOWN

Quality
65
ROIC (ROA)
1.3%*44.5
ROE
15.7%76.9
GP/Assets
2.8%N/A
Op. Margin
53.5%75.0
FCF/Assets
1.2%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.54xN/A
Current Ratio
bankN/A
Value
30
P/E (TTM)
14.2x44.6
EV/EBITDA
bankN/A
P/FCF
15.5xN/A
P/B
2.1x23.5
P/S
6.4x28.4
Div Yield
1.2%10.2
Momentum
75
52W High %
93%49.2
RS 6M
45%97.6
SMA 50/200
1.21x94.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
31%64.0

FUNDAMENTALS

Market Cap
$562M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GCBC are excluded.

TickerCompanyMkt CapStockRankSignal
GCBCGreene County Bancorp, Inc.(you)$562M76BUY
AROWArrow Financial Corporation$611M76BUY
BSRRSierra Bancorp$548M74BUY
CBNKCapital Bancorp, Inc.$588M78BUY
OBTOrange County Bancorp, Inc.$505M75BUY
RRBIRed River Bancshares, Inc.$655M76BUY
KRNYKearny Financial Corp.$592M73BUY
HBCPHome Bancorp, Inc.$552M80STRONG BUY
UNTYUnity Bancorp, Inc.$583M72BUY
FBIZFirst Business Financial Services, Inc.$562M82STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Greene County Bancorp, Inc. (GCBC) — Stock Score Summary

Greene County Bancorp, Inc. (GCBC) has a MoatMap StockRank of 76/100 based on Quality (65/100), Value (30/100), and Momentum (75/100) factor scores. The current signal is BUY.

Greene County Bancorp, Inc. operates as a bank holding company for Greene County Commercial Bank, providing a full range of retail and commercial banking services to communities in New York's Greene and Columbia counties. The bank distinguishes itself through its deep local roots and customer-centric approach, fostering strong relationships within its defined regional market.

Key Financial Metrics

Price$33.42
Market Cap$562M
P/E (TTM)14.18
Price/Book2.07
Return on Equity15.7%
Debt/Equity0.54x
Operating Margin53.5%
Revenue Growth23.4%
Dividend Yield1.2%
Free Cash Flow$36M

Greene County Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Greene County Bancorp, Inc.’s (GCBC) StockRank?
MoatMap’s StockRank for Greene County Bancorp, Inc. (GCBC) is 76/100, with a Buy signal. It is a composite of Quality (65), Value (30), and Momentum (75) factor ranks across MoatMap’s 20,000+ stock universe.
Does Greene County Bancorp, Inc. have an economic moat?
Greene County Bancorp, Inc. (GCBC) has a Quality factor score of 65/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Greene County Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Greene County Bancorp, Inc. (GCBC) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Greene County Bancorp, Inc. in?
Greene County Bancorp, Inc. (GCBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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