Greene County Bancorp Inc. Common Stock (GCBC)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Greene County Bancorp is a $585.7 million market-cap community bank with 203 employees, so I start by asking whether it has durable local deposit relationships and disciplined underwriting. In fiscal 2026, the year ended 2026-06-30, it reported net income of $41.0 million and diluted EPS of $2.41, up from $31.1 million and $1.83 in fiscal 2025, the year ended 2025-06-30, and $24.8 million and $1.45 in fiscal 2024, the year ended 2024-06-30. Quarterly filings also show fiscal Q3 2026, the quarter ended 2026-03-31, net income of $10.5 million and EPS of $0.62, versus fiscal Q3 2025, the quarter ended 2025-03-31, net income of $8.1 million and EPS of $0.47. FairStock computes ROE at 15.88%, a respectable bank return, with a 6/9 Piotroski score and a low beta of 0.47. The Lynch category given is STALWART because profits grew about 11.4% a year over five years. The likely moat, if any, is local deposit relationships and switching costs, but the data cannot prove pricing power. Valuation is the rub. At the 2026-10-13 close of $34.40, FairStock calculates P/E 14.27, P/B 2.11 and PEG 0.66; the dividend yield is 1.28%. The P/E is not demanding if growth continues, but paying more than twice book for a community bank leaves a thin margin of safety unless returns stay high. I cannot verify credit quality, capital, or margin because CET1, net interest margin, efficiency ratio, nonperforming assets and loan-loss reserves are not in the data. I would call it a fair-to-full price for a steady operator, not a bargain.

In plain English: Greene County Bancorp is a small US bank holding company that takes deposits and makes loans, mostly to local customers. Its profits have grown and it earns a solid return on shareholder money, but the shares trade near the top of their yearly range. Based on the supplied figures, the price looks fair to full rather than deeply cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer