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GCBC

Greene County Bancorp, Inc.

Financial Services · $572M market cap

Verdict

Share price

$34.26

close of Oct 3, 2026

Fair value

$48.33

Sticker Price

Payback Price

$19.33

buy price

Undervalued

GCBC is Undervalued: at $34.26 it trades 29% below its fair value of $48.33. Its buy price (Payback Price) is $19.33, 44% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.1% a year✓
Equity per share growth11.4% a year✓
Sales growth10.7% a year✓
Free cash flow growth12.7% a year✓
Return on invested capital4.9%✗

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Insider activity

Since Jun 11, 2026: no open-market purchases and 1 sale worth $288K. Why purchases matter

Sales

PLUMMER MICHELLE M

director · 2026-06-11

Sold

$288K

About Greene County Bancorp, Inc.

Greene County Bancorp, Inc. serves as the parent organization for The Bank of Greene County, delivering a diverse range of financial solutions throughout the United States. Its array of deposit products encompasses savings accounts, interest-bearing NOW accounts, money market accounts, certificates of deposit, non-interest-bearing checking accounts, and individual retirement plans. The institution's lending…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works