Stock fact sheet · data as of
Greene County Bancorp, Inc. (GCBC): fair value, margin of safety and Wheel Score
Ticker symbol GCBC · Financial Services · Banks - Regional · United States · Blend Quality
Is GCBC undervalued?
Greene County Bancorp, Inc. (GCBC) closed at 36.59 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 42.53, so the price sits 14% below it. 4 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
There is a wide gap between DDM (6.03) and Graham Growth (73.32). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for GCBC, so the nightly engine files it under Blend (value score 47, growth score 58, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).
Nine valuation models for GCBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 21.37 | -42% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 31.48 | -14% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 73.32 | +100% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 26.35 | -28% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 65.40 | +79% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 56.62 | +55% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 73.05 | +100% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.03 | -84% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 29.14 | -20% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -168.93 | -562% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Greene County Bancorp, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 8.7/10 puts GCBC among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 9.5%, ROE 14.8%, ROA 1.3% - with debt at 0.56 times equity and a free-cash-flow yield of 6.7%.
The dividend yield is 1.12% with a payout ratio of 9% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Debit Card 34%, Deposit Account 29%, Insufficient funds fees 25% (quarter Q3 FY2021).
Institutional ownership scores 2/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 9.5% |
|---|---|---|---|
| GLS Moat | 8.7 / 10 | ROE | 14.8% |
| Debt / equity | 0.56 | ROA | 1.3% |
| Free-cash-flow yield | 6.7% | Payout ratio | 9% |
| Institutions | 2 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 32: No options
No options are listed on Greene County Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 32, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 24k shares a day on a market cap of $623M, with a beta of 0.39 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $623M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Fair | 14% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 8.7/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.39, $623M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 20 Jan 2027, 76 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 13 Nov 2026 (0.1100 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Greene County Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| DBIN Dacotah Banks, Inc. | 56.00 | 69.02 | +19% | 29No options | $622M |
| AMBZ American Business Bank | 71.30 | 116.09 | +39% | 34No options | $632M |
| KRNY Kearny Financial Corp. | 9.32 | 19.06 | +51% | 45Weak | $605M |
| FBIZ First Business Financial Services, Inc. | 77.31 | 153.53 | +50% | 48Weak | $644M |
| CARE Carter Bankshares, Inc. | 29.26 | 45.81 | +36% | 49Weak | $646M |
| CIVB Civista Bancshares, Inc. | 28.81 | 31.63 | +9% | 42Weak | $597M |
| UNTY Unity Bancorp, Inc. | 59.35 | 71.09 | +17% | 44Weak | $596M |
| THVB Thomasville Bancshares, Inc. | 104.00 | 190.41 | +45% | 37No options | $659M |
| BWFG Bankwell Financial Group, Inc. | 73.27 | 98.51 | +26% | 33No options | $584M |
| SFST Southern First Bancshares, Inc. | 61.45 | 85.58 | +28% | 50Fair | $583M |
| WCCB West Coast Community Bancorp | 63.35 | 121.40 | +48% | 36No options | $667M |
| BWB Bridgewater Bancshares, Inc. | 20.74 | 32.53 | +36% | 51Fair | $581M |
⚖ Compare GCBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about GCBC
Is GCBC undervalued right now?
By the GLS models, moderately: at 36.59 the stock trades 14% below the average fair value of 42.53 (data as of 5 Nov 2026).
What is the Wheel Score of GCBC and what does it mean?
GCBC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for GCBC?
42.53 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Greene County Bancorp, Inc. report earnings next?
The next earnings report is due on 20 Jan 2027, 76 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does GCBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on GCBC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.