Greene County Bancorp, Inc.: Leads amongst peers with strong fundamentals

Greene County Bancorp, Inc. relative valuation is UNDERVALUED and it has a fundamental analysis score of 89.

Our analysis is based on comparing Greene County Bancorp, Inc. with the following peers – Pathfinder Bancorp Inc, Flushing Financial Corporation, Northeast Community Bancorp, Inc., Astoria Financial Corporation, Elmira Savings Bank, Carver Bancorp Inc., TrustCo Bank Corp NY, Northwest Bancshares, Inc. and Lake Shore Bancorp, Inc. (PBHC-US, FFIC-US, NECB-US, AF-US, ESBK-US, CARV-US, TRST-US, NWBI-US and LSBK-US).

Greene County Bancorp, Inc. has shown good performance overall, both over the last one year (at 63.42%) as well as over the last month (at 14.95%). Share price performance over the last month, though has been lower than that over the last year. But Greene County Bancorp, Inc.’s stock has done better than its overall peer group whose performance was -0.67% over the last month.

Company Snapshot

  • Considering peers, relative outperformance over the last year and the last month suggest a leading position.
  • It currently trades at a Price/Book ratio of (2.87).
  • GCBC-US‘s operating performance is relatively good compared to its peers. The market currently does not expect high earnings growth relative to its peers but seems to expect the company to maintain its relatively high rates of return.
  • GCBC-US has a successful operating model with relatively high net profit margins and capital turns.
  • The company’s year-on-year change in revenues and earnings are better than the median among its peer group.
  • GCBC-US‘s return on equity currently and over the past five years suggest that its relatively high operating returns are sustainable.
  • While the company’s lending operations do not seem to benefit from any relative pricing advantage its margins suggest relatively low operating costs.
  • While GCBC-US‘s revenues in recent years have grown faster than the peer median, the market gives the stock a P/E ratio that is around peer median suggesting that the market has some questions about the company’s long-term strategy.
  • The company’s level of equity capital investment seems appropriate to support the company’s growth.
  • Our analysis rates Greene County Bancorp, Inc. as UNDERVALUED relative to its peers.

Share Price Performance

Considering peers, relative outperformance over the last year and the last month suggest a leading position.

GCBC-US‘s share price performance of 63.42% over the last 12 months is above peer median of 27.52%. The 30-day trend in its share price performance of 14.95% is also above the peer median of -0.67% suggesting that this company is a leading performer relative to its peers.

Share Price Performance

Quadrant label definitions. Hover to know more

Leading, Fading, Lagging, Rising

Relative Valuation

Relative Valuation
Fundamental Score

Greene County Bancorp, Inc.’s price of USD 27.30 is lower than CapitalCube’s implied price of USD 30.98. CapitalCube believes that at these levels, Greene County Bancorp, Inc. is undervalued and has upside potential. Over the last 52 week period, the stock has fluctuated between USD 15.40 and USD 28.50.

Valuation & Peer Metrics

A complete list of valuation metrics is available on the company page.

Company Profile

Greene County Bancorp, Inc. operates as a bank holding company for Bank of Greene County. It attracts deposits from customers and invests in loans and securities. Its services include personal banking, checking accounts, savings accounts, loans, commercial lending, business accounts, municipal banking services and investment services. Greene County Bancorp was founded in December 1998 and is headquartered in Catskill, NY.


The information presented in this report has been obtained from sources deemed to be reliable, but AnalytixInsight does not make any representation about the accuracy, completeness, or timeliness of this information. This report was produced by AnalytixInsight for informational purposes only and nothing contained herein should be construed as an offer to buy or sell or as a solicitation of an offer to buy or sell any security or derivative instrument. This report is current only as of the date that it was published and the opinions, estimates, ratings and other information may change without notice or publication. Past performance is no guarantee of future results. Prior to making an investment or other financial decision, please consult with your financial, legal and tax advisors. AnalytixInsight shall not be liable for any party’s use of this report. AnalytixInsight is not a broker-dealer and does not buy, sell, maintain a position, or make a market in any security referred to herein. One of the principal tenets for us at AnalytixInsight is that the best person to handle your finances is you. By your use of our services or by reading any our reports, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that AnalytixInsight, its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material generated by us and/or published through our services. For a complete copy of our disclaimer, please visit our website