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GREENE COUNTY BANCORP INC GCBC
GREENE COUNTY BANCORP INC (GCBC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.80% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| GCBC | GREENE COUNTY BANCORP INC | 4/9 | — | 18 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About GREENE COUNTY BANCORP INC
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
FAQ
Is GCBC financially healthy?
GREENE COUNTY BANCORP INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does GCBC pay a dividend, and is it safe?
Yes. GREENE COUNTY BANCORP INC pays a dividend yielding about 0.80% with a 14.4% payout ratio, rated “safe” for safety.
How profitable is GCBC?
In FY2025, GREENE COUNTY BANCORP INC had a return on equity of 13.0%.
Is GCBC overvalued or undervalued?
GREENE COUNTY BANCORP INC trades at about 19.3× trailing earnings — above its 10-year norm (10-year range 9.8×–25.0×, median 15.7×). Stocktoria reports the data, not buy/sell advice.
Is GCBC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on GREENE COUNTY BANCORP INC: a Piotroski F-score of 4/9, a P/E of about 18.0×, a dividend yield of 0.80%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.