GCBC
Premium GrowerAI neutralGreene County Bancorp, Inc. · Financial Services · United States · $606M cap · $892K/day traded
$35.62 -0.4% · close 12 Nov · scored 13 Nov
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 13 Nov 2026, the MoatMap Score for Greene County Bancorp, Inc. (GCBC) is 83/100, ranked against 25,000+ stocks in 38 markets (Quality 68, Value 27, Momentum 87, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
Greene County Bancorp is a community bank in New York's Hudson Valley. It reported record fiscal 2026 earnings, raised its dividend and announced a buyback. It is well run, but the shares already trade at a premium valuation for a small bank with limited growth beyond its region.
ABOUT GREENE COUNTY BANCORP, INC.
Read
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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 70.1M | 73.4M | 64.9M | 75.4M | 2.4% | 95.5M |
| EPS | 1.41 | 1.65 | 1.81 | 1.45 | 1.83 | 6.8% | 2.62 |
| Shares | — | 17.0M | 17.0M | 17.0M | 17.0M | 0.0% | 17.0M |
| Debt | — | 173.0M | 49.5M | 199.1M | 128.1M | -9.5% | 66.2M |
| Equity | — | 157.7M | 183.3M | 206.0M | 238.8M | 14.8% | — |
| Op CF | — | 35.4M | 28.1M | 24.9M | 28.0M | -7.5% | 42.3M |
| Inv CF | — | -471.2M | 0.7M | -129.2M | -210.2M | — | — |
| Fin CF | — | 355.1M | 98.7M | 98.3M | 174.9M | — | — |
Above its 200-day average and 4% below its 52-week high.
Calmer than 73% of stocks we rank over the past year (volatility 30% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GCBC are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| GCBC | Greene County Bancorp, Inc.(you) | $606M | 83 |
| FBIZ | First Business Financial Services, Inc. | $606M | 83 |
| CIVB | Civista Bancshares, Inc. | $586M | 84 |
| WCCB | West Coast Community Bancorp | $648M | 86 |
| COFS | ChoiceOne Financial Services, Inc. | $512M | 82 |
| RCBC | River City Bank | $772M | 83 |
| PDLB | Ponce Financial Group, Inc. | $499M | 81 |
| FMAO | Farmers & Merchants Bancorp, Inc. | $503M | 86 |
| PBAM | Private Bancorp of America, Inc. | $492M | 86 |
| BSRR | Sierra Bancorp | $541M | 79 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.