Greene County Bancorp Inc (GCBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Greene County Bancorp Inc stock (GCBC) is currently trading at $22.18. Greene County Bancorp Inc PE ratio is 11.19. Greene County Bancorp Inc PS ratio (Price-to-Sales) is 4.76. WallStSmart rates GCBC as Moderate Buy.
- GCBC PE ratio analysis and historical PE chart
- GCBC PS ratio (Price-to-Sales) history and trend
- GCBC intrinsic value — DCF, Graham Number, EPV models
- GCBC stock price prediction 2025 2026 2027 2028 2029 2030
- GCBC fair value vs current price
- GCBC insider transactions and insider buying
- Is GCBC undervalued or overvalued?
- Greene County Bancorp Inc financial analysis — revenue, earnings, cash flow
- GCBC Piotroski F-Score and Altman Z-Score
- GCBC analyst price target and Smart Rating
Greene County Bancorp Inc
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GCBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Greene County Bancorp Inc (GCBC)
GCBC trades at a significant discount to its Graham intrinsic value of $92.66, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Greene County Bancorp Inc (GCBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Greene County Bancorp Inc (GCBC) Key Strengths (5)
Keeps $52 of every $100 in revenue after operating costs
Earnings per share surging 41.40% year-over-year
Keeps $44 of every $100 in revenue as net profit
Trading at 1.51x book value, attractively priced
Strong revenue growth at 24.70% annually
Supporting Valuation Data
Greene County Bancorp Inc (GCBC) Areas to Watch (5)
Premium valuation at 4.8x annual revenue
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Greene County Bancorp Inc (GCBC) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.51) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 52.10%, Profit Margin at 43.60%. Growth metrics are encouraging with Revenue Growth at 24.70%, EPS Growth at 41.40%.
The Bear Case
The primary concerns are Price/Sales, Institutional Own., Market Cap. Some valuation metrics including PEG Ratio (1.83), Price/Sales (4.76) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 14.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 24.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
GCBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
GCBC's Price-to-Sales ratio of 4.76x sits near its historical average of 4.64x (86th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 4.76x set in Mar 2026, and 5% above its historical low of 4.55x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Greene County Bancorp Inc (GCBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Greene County Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 77M with 25% growth year-over-year. Profit margins are strong at 43.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1450.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 43.6% and operating margin of 52.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Greene County Bancorp Inc maintain 25%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 170.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 214M is significantly higher than cash (9M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Greene County Bancorp Inc.
Bottom Line
Greene County Bancorp Inc offers an attractive blend of growth (25% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(5 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HADA, TEJRAJ S Director | Buy | +2,000 |
| Insider | Type | Shares |
|---|---|---|
BARZEE, NICK SVP and CFO | Buy | +1,280 |
| Insider | Type | Shares |
|---|---|---|
CANNUCCIARI, CHRISTOPHER Director | Buy | +1,300 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:30 AM
About Greene County Bancorp Inc(GCBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Greene County Bancorp, Inc. is a holding company for The Bank of Greene County providing various financial services.