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GCBC

Strong BuyPremium GrowerFLAG

Greene County Bancorp, Inc. · Financial Services · United States · $594M · Avg Vol: $964K/d

83
StockRank
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Q
65
V
27
M
87
P/E (TTM)
14.8x
ROE
15.9%
D/E
0.5x
Dividend %
1.1%
Dir. Trades · 180d
+$154.1K · −$287.7K →
Buybacks · 180d
None →
AI CONVICTION THESIS

Insufficient evidence for a screen-pass. Greene County Bancorp, Inc.: fails the quant gate on value (Q65/V27/M87; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

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%90.5M
EPS1.411.651.811.451.836.8%2.41
Shares—17.0M17.0M17.0M17.0M0.0%17.0M
Debt—173.0M49.5M199.1M128.1M-9.5%155.1M
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)+5.4%
33.4433.9934.5535.1035.65Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$35.23
RSI (14)
55.6
52W High
$35.91
From 52W High
1.0%

SCORE BREAKDOWN

Quality
65
ROIC (ROA)
1.3%*44.8
ROE
15.9%75.7
GP/Assets
3.0%N/A
Op. Margin
52.0%72.0
FCF/Assets
1.2%N/A
Piotroski
685.7
Int. Cover
—50.0
D/E Ratio
0.54xN/A
Current Ratio
bankN/A
Value
27
P/E (TTM)
14.8x39.6
EV/EBITDA
bankN/A
P/FCF
16.3xN/A
P/B
2.2x23.1
P/S
6.7x24.2
Div Yield
1.1%12.2
Momentum
87
52W High %
98%91.4
RS 6M
47%96.6
SMA 50/200
1.29x97.5
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
22%53.5

FUNDAMENTALS

Market Cap
$594M
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)$594M83Strong Buy
FBIZFirst Business Financial Services, Inc.$593M83Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M84Strong Buy
CBNKCapital Bancorp, Inc.$595M75Buy
FISIFinancial Institutions, Inc.$807M81Strong Buy
ACNBACNB Corporation$656M76Buy
COFSChoiceOne Financial Services, Inc.$499M78Buy
PFISPeoples Financial Services Corp.$697M77Buy
CIVBCivista Bancshares, Inc.$571M74Buy
WASHWashington Trust Bancorp, Inc.$753M78Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Greene County Bancorp, Inc. (GCBC) has a MoatMap StockRank of 83/100 based on Quality (65/100), Value (27/100), and Momentum (87/100) factor scores. The current signal is STRONG BUY. Insufficient evidence for a screen-pass. Greene County Bancorp, Inc.: fails the quant gate on value (Q65/V27/M87; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

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$35.23
Market Cap$594M
P/E (TTM)14.79
Price/Book2.18
Return on Equity15.9%
Debt/Equity0.54x
Operating Margin52.0%
Revenue Growth19.8%
Dividend Yield1.1%
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 83/100, with a Strong Buy signal. It is a composite of Quality (65), Value (27), and Momentum (87) factor ranks across MoatMap’s universe of 25,000+ stocks.
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 Strong Buy, based on a StockRank of 83/100. 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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