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Greene County BancorpGCBC +2.00%66 3-Year Book Growth Rate is 14.80% as of Mar. 2026, which is 57% above its 10-year median of 9.40. GuruFocus rates GCBC with a GF Score™ of 66/100 and a GF Value™ of $32.52 (Fairly Valued). The stock has 9 warning signs investors should review. Among 1,488 Banks companies, Greene County Bancorp ranks better than 78.02% on this metric.
During the past 12 months, Greene County Bancorp's average Book Value per Share Growth Rate was 16.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 13.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Greene County Bancorp was 36.40% per year. The lowest was 3.70% per year. And the median was 9.40% per year.
Greene County Bancorp (NAS:GCBC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Greene County Bancorp 3-Year Book Growth Rate Related Terms
GCBC vs UNTY, SFST, BWB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Greene County Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Greene County Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's 3-Year Book Growth Rate falls into.
Greene County Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 14.80% mean?
Greene County Bancorp (GCBC) has a 3-Year Book Growth Rate of 14.80% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Greene County Bancorp and its competitors. This is 57% above median its historical median of 9.40. Over the past decade, Greene County Bancorp's 3-Year Book Growth Rate has ranged from 3.70 to 36.40. According to the industry distribution chart, Greene County Bancorp ranks #327 out of 1488 companies in the Banks industry, placing it in the top 22%.
Is Greene County Bancorp's 3-Year Book Growth Rate too high?
Greene County Bancorp's current 3-Year Book Growth Rate of 14.80% is 57% above median its 10-year median of 9.40. Over the past 10 years, this metric has ranged from a low of 3.70 to a high of 36.40. The Banks industry median 3-Year Book Growth Rate is 8.80. Greene County Bancorp's value of 14.80% is 68.2% above this industry median. Based on the distribution chart, Greene County Bancorp ranks #327 out of 1488 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Greene County Bancorp has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greene County Bancorp's 3-Year Book Growth Rate compare to UNTY and SFST?
According to the Banks industry distribution chart, Greene County Bancorp ranks #327 out of 1488 companies for 3-Year Book Growth Rate. This places Greene County Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Greene County Bancorp's value of 14.80% is 68.2% above this benchmark. Historically, Greene County Bancorp's own 3-Year Book Growth Rate has ranged from 3.70 to 36.40 over the past decade. While the company's 10-year median is 9.40 vs. the industry median of 8.80, Greene County Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current 3-Year Book Growth Rate of 14.80% is 68.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Greene County Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current 3-Year Book Growth Rate is 14.80%, which is 57% above median its own 10-year median of 9.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greene County Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Greene County Bancorp (GCBC) is currently considered Fairly Valued. The stock's GF Value™ is $32.52, compared to a current price of $35.65 — trading 9.6% above its estimated fair value. The current 3-Year Book Growth Rate is 14.80%, which is 57% above median its 10-year median of 9.40 and 68.2% above the Banks industry median of 8.80. Greene County Bancorp's overall GF Score™ is 66/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current 3-Year Book Growth Rate is 14.80% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Greene County Bancorp (GCBC) Overvalued in 2026?
Based on GuruFocus' analysis, Greene County Bancorp stock appears to be overvalued.
The current stock price of $35.65 is trading 9.6% above its estimated GF Value™ of $32.52.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
3-Year Book Growth Rate: 14.80% (57% above median its 10-year median of 9.40)
GF Value™: $32.52 vs. price of $35.65 (9.6% above fair value)
Industry Position: 68.2% above the Banks median (#327 of 1488)
No single metric tells the full story. See the GCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greene County Bancorp Inc is a holding firm. Its primary business involves overseeing and directing the business of The Bank of Greene County and monitoring its cash position. Through its directly and indirectly owned subsidiaries, the company engages in attracting retail deposits, along with funds generated from operations and borrowings, predominantly in one to four-family residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans, and commercial business loans. It also serves local municipalities' banking needs and operates a real estate investment trust.
66GF Score
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