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Greene County BancorpGCBC +2.00%66 Cash-to-Debt is 1.31 as of Mar. 2026, which is 15% below its 10-year median of 1.55. 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 1,496 Banks companies, Greene County Bancorp ranks worse than 59.96% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Greene County Bancorp's cash to debt ratio for the quarter that ended in Mar. 2026 was 1.31.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Greene County Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Greene County Bancorp's Cash-to-Debt or its related term are showing as below:
GCBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26 Med: 1.55 Max: 8.42
Current: 0.94
During the past 13 years, Greene County Bancorp's highest Cash to Debt Ratio was 8.42. The lowest was 0.26. And the median was 1.55.
GCBC's Cash-to-Debt is ranked worse than 59.96% of 1496
companies
in the Banks industry
Industry Median: 1.38
vs GCBC: 0.94
Greene County Bancorp (NAS:GCBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Greene County Bancorp Cash-to-Debt Related Terms
Greene County Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Greene County Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Greene County Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Greene County Bancorp (GCBC) has a Cash-to-Debt of 1.31 as of Mar. 2026. This is 15% below median its historical median of 1.55. Over the past decade, Greene County Bancorp's Cash-to-Debt has ranged from 0.26 to 8.42. According to the industry distribution chart, Greene County Bancorp ranks #897 out of 1496 companies in the Banks industry, placing it in the top 60%.
Is Greene County Bancorp's Cash-to-Debt too high?
Greene County Bancorp's current Cash-to-Debt of 1.31 is 15% below median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 8.42. The Banks industry median Cash-to-Debt is 1.38. Greene County Bancorp's value of 1.31 is 5.1% below this industry median. Based on the distribution chart, Greene County Bancorp ranks #897 out of 1496 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to UNTY and SFST?
According to the Banks industry distribution chart, Greene County Bancorp ranks #897 out of 1496 companies for Cash-to-Debt. This places Greene County Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Greene County Bancorp's value of 1.31 is 5.1% below this benchmark. Historically, Greene County Bancorp's own Cash-to-Debt has ranged from 0.26 to 8.42 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 1.38, Greene County Bancorp has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current Cash-to-Debt of 1.31 is 5.1% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current Cash-to-Debt is 1.31, which is 15% below median its own 10-year median of 1.55. 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 Cash-to-Debt is 1.31, which is 15% below median its 10-year median of 1.55 and 5.1% below the Banks industry median of 1.38. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Cash-to-Debt is 1.31 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:
Cash-to-Debt: 1.31 (15% below median its 10-year median of 1.55)
GF Value™: $32.52 vs. price of $35.65 (9.6% above fair value)
Industry Position: 5.1% below the Banks median (#897 of 1496)
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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