US · GCBC
Greene County Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Catskill, NY 12414
- Website
- thebankofgreenecounty.com
Price · as of 2025-06-30
$24.14
Market cap 375.78M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $50.72 | +110.11% |
| Intrinsic Value(DCF) | $25.43 | +5.34% |
| Graham-Dodd Method(GD) | $19.23 | -20.35% |
| Graham Formula(GF) | $37.61 | +55.79% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.39 | $23.26 | $2.91 | $3.01 | $4.07 |
| 2012 | $4.08 | $28.38 | $1.06 | $3.75 | $3.05 |
| 2013 | $5.34 | $28.35 | $4.06 | $3.35 | $2.95 |
| 2014 | $5.39 | $29.26 | $3.83 | $4.39 | $3.15 |
| 2015 | $6.17 | $27.18 | $4.70 | $4.50 | $6.72 |
| 2016 | $7.18 | $27.80 | $5.59 | $5.40 | $9.78 |
| 2017 | $11.10 | $32.74 | $5.50 | $6.51 | $14.68 |
| 2018 | $15.32 | $34.47 | $8.23 | $8.54 | $20.15 |
| 2019 | $12.10 | $36.07 | $12.49 | $9.91 | $25.76 |
| 2020 | $10.66 | $35.69 | $14.16 | $11.07 | $23.00 |
| 2021 | $15.19 | $59.13 | $17.96 | $13.68 | $24.61 |
| 2022 | $26.23 | $37.72 | $27.68 | $15.16 | $30.97 |
| 2023 | $28.50 | $78.90 | $33.95 | $17.87 | $63.12 |
| 2024 | $29.88 | $52.33 | $55.94 | $16.52 | $41.60 |
| 2025 | $23.10 | $50.72 | $39.35 | $19.23 | $37.61 |
AI valuation
Our deep-learning model estimates Greene County Bancorp, Inc.'s (GCBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $50.72
- Current price
- $24.14
- AI upside
- +110.11%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.43
+5.34% upside
Graham-Dodd
$19.23
-20.35% upside
Graham Formula
$37.61
+55.79% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| GCBC | Greene County Bancorp, In… | $24.14 | 375.78M | +110% | +5% | -20% | +56% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CARE | Carter Bankshares, Inc. | $20.84 | 460.29M | +154% | -24% | +23% | -6% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| SFST | Southern First Bancshares… | $55.84 | 458.8M | -3% | -25% | +16% | -11% | 14.81 | 1.22 | 2.00 | 12.61 | 15.37 | 1.22 | 51.26% | 17.63% | 13.52% | 8.69% | 5.85% | 0.72% | 0.72 | 0.37 | 0.06 | 0.06 | 5.35 | 9634.00% | 529.00% | 2060.00% | 6.64% | 0.01 | 5.75% | 0.00% | 0.00% | 0.00% | 14.12 | 18.71 | 2.49 | -0.47 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
| WTBA | West Bancorporation, Inc. | $24.35 | 412.51M | +183% | -23% | +4% | -33% | 12.86 | 1.57 | 2.11 | 0.76 | 36.53 | 1.57 | 47.99% | 20.87% | 16.40% | 13.19% | -22.55% | 0.80% | 0.40 | 0.40 | — | — | 1.96 | 3521.00% | 33.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 16.22% | 0.76 | — | 0.16 | 0.39 |
About Greene County Bancorp, Inc.
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
- CEO
- Donald E. Gibson
- Employees
- 189
- Beta
- 0.39
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.43 ÷ $24.14) − 1 = +5.34% (DCF, example).