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← CockpitCompetitor Analysis › GCBC Greene County Bancorp, Inc.Open in the cockpit ↗

Greene County Bancorp, Inc.GCBCCompetitor analysis, valuation and peers

United States · USD·Financials›Savings Banks
Momentum leader 89
Mkt cap
$615M
US dollars, full cap
Free float
42%
of shares outstanding
$/day
$867,507
20-day average traded
P/B
2.15×
price to book
ROE
16.7%
delivered
Implied ROE
12.5%
what the price asks
Close · USD$36.13
1D+0.4%
1W+1.0%
1M+5.2%
3M+5.3%
6M+51.4%
YTD+62.5%
1Y+58.7%
ATR %2.6%
Beta0.32
52w lowhigh3.0% off high

What Greene County Bancorp does

Employees: 216

Greene County Bancorp at a glance

Size Greene County Bancorp (GCBC) is a United States Financials company (Savings Banks) with a market value of $615M, the 2571st largest of 3,117 United States companies the cockpit tracks. Shares closed at $36.13 on 6 Nov 2026.

Performance Over six months the shares gained 51.4%, against +4.7% for the median peer and -1.1% for the United States market (cap-weighted) — highest of 18 in its peer set.

Growth Revenue grew 7.8% over the last twelve months (peer median +5.4%); the operating margin is 53.3% (peer median 39.9%).

Valuation It trades at 2.15× book value against a peer median of 1.14× (most expensive of 18).

Price implies The share price implies a return on equity of about 12.5%; Greene County Bancorp delivers 16.7%, so the price asks less than the business earns today.

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026GCBC 153Peer median 108
Six months, rebased to 100: Greene County Bancorp against the median of its 18 peers (local-currency closes).

Greene County Bancorp financials

Reported figures in USD; fiscal year ends 2026-06-30. TTM = trailing twelve months.
TTMFY2026FY2025FY2024FY2023
Revenue$148M$146M$133M$118M$96.8M
Revenue growth—+10%+13%+21%—
Net income$44.7M$41.0M$31.1M$24.8M$30.8M
Free cash flown/a$41.6M$27.3M$23.4M$26.6M
Capital expendituren/a$7.09M$691,000$24.6M$1.54M
Total debt$66.2M$157M$130M$201M$51.8M

Quarterly statements and history in the cockpit →

Greene County Bancorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%+40%0%+10%SOAGMORGTCBXKRNYHIFSPDLBHELGSMBCAVBCTRSTTSBKFSBWTFINOCFCSHAWNWBIGCBC6-month return →1-month return →
Up and to the right = strong over both horizons. Greene County Bancorp is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×20×SOAGMORGTCBXKRNYHIFSPDLBHELGAVBCTRSTTSBKCFFNFSBWTFINOCFCSHAWNWBIGCBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Greene County Bancorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%SOAGMORGTCBXKRNYHIFSPDLBHELGSMBCAVBCTRSTCFFNFSBWTFINOCFCNWBIGCBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Greene County Bancorp is the large dot.

Greene County Bancorp competitors and peer comparison

How Greene County Bancorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Greene County Bancorp against its 18 peers (data as of 6 Nov 2026)
MeasureGCBCPeer medianRank in peer set
1-month return+5.2%+1.8%5th highest of 19
6-month return+51.4%+4.7%highest of 18
Return on equity16.7%10.0%highest of 18
Price / book2.15×1.14×most expensive of 18
Trailing P/E13.8×11.5×7th most expensive of 18
ROE the price implies12.5%8.1%2nd most demanding of 18
ROE delivered16.7%10.0%highest of 18

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Greene County Bancorp GCBCUnited States$615M+51%+8%17%2.15×12.5%16.7%
SpareBank 1 Ostfold Akershus SOAG.OLNorway$609M-4%+2%12%1.14×6.2%12.1%
Sparebanken More MORG.OLNorway$604M-2%-15%12%0.65×4.9%11.6%
Third Coast Bancshares TCBXUnited States$646M+1%+18%13%0.96×7.9%12.7%
Kearny Financial KRNYUnited States$585M+10%+1%5%0.77×6.8%4.9%
Hingham Institution for Savings HIFSUnited States$647M+5%+3%13%1.26×10.6%12.6%
Ponce Financial PDLBUnited States$525M+22%+15%8%1.49×9.7%8.2%
SpareBank 1 Helgeland HELG.OLNorway$507M+4%-4%7%0.92×5.6%6.7%
Southern Missouri Bancorp SMBCUnited States$775M+2%+3%13%1.29×10.5%12.9%
Avidia Bancorp AVBCUnited States$448M+11%+5%7%1.18×7.0%7.3%
TrustCo Bank Corp NY TRSTUnited States$947M+17%+6%10%1.50×10.7%10.0%
Timberland Bancorp TSBKUnited States$373M+17%+4%12%1.35×7.7%11.6%
Capitol Federal Financial CFFNUnited States$1.06B+7%+6%8%1.04×8.4%8.4%
FS Bancorp FSBWUnited States$343M+6%+6%9%1.01×8.4%9.1%
American Savings Bank N.A ASBHUnited States$1.30Bn/an/an/an/an/an/a
Triumph Financial TFINUnited States$1.46B-8%+13%5%1.57×17.5%5.3%
OceanFirst Financial OCFCUnited States$1.82B-4%+31%2%0.75×8.1%2.3%
Shawbrook SHAW.LUnited Kingdom$1.96B-12%+5%12%0.79×8.0%12.2%
Northwest Bancshares NWBIUnited States$2.23B+10%+13%11%1.18×9.3%10.7%

Questions

Which companies are Greene County Bancorp's closest peers?
The cockpit's peer set: SpareBank 1 Ostfold Akershus (SOAG.OL), Sparebanken More (MORG.OL), Third Coast Bancshares (TCBX), Kearny Financial (KRNY), Hingham Institution for Savings (HIFS), Ponce Financial (PDLB), SpareBank 1 Helgeland (HELG.OL), Southern Missouri Bancorp (SMBC).
Is Greene County Bancorp expensive compared with its peers?
On price / book it trades at 2.15× against a peer median of 1.14×, most expensive of 18 in its peer set. The share price implies a return on equity of about 12.5%; Greene County Bancorp delivers 16.7%, so the price asks less than the business earns today.
How has Greene County Bancorp stock performed?
Over six months to 6 Nov 2026 the shares returned +51.4% against +4.7% for the median peer; over one year +58.7%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.