Obermatt

Greene County

NAQ:GCBC · US3943571071
BanksSmall

360

35
Medium confidence — indicative
Profit price36
Cash yield1
Price/Sales5
EV / Gross Profit21
Price/Book5
Returns on capital90
Profit margins
Cash Conversion42
Accruals30
Owner Earnings Margin94
Sales growth79
Profit Growth63
Owner Earnings Growth50
Reinvestment57
Price momentum55
Debt load50
Debt serviceability68
Liquidity59
Analyst ratings
Expectations trend
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Greene County generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
ISINUS3943571071
Last UpdateApr 2, 2026

Description

Greene County Bancorp, Inc. operates as the holding company for The Bank of Greene County that provides a variety of financial services to meet the needs of the communities it serves. The company operates as a subsidiary of Greene County Bancorp, MHC…

Analysis

Beloved champion

Greene County Bancorp, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.6×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
25
20232026

All-time high

57

Jan 2023

All-time low

24

Mar 2026

Average rank

35

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
5
7
Price/Earnings
64
24
Price/Book
5
1
Dividend Yield
1
32
Value (overall)
8
10

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →