GCBC (Greene County Bancorp) Cyclically Adjusted FCF per Share: $1.70 (As of Mar. 2026)


GCBC Greene County Bancorp Inc GCBC
68 GF Score
Price $34.26
GF Value $32.38
Valuation Fairly Valued
! 8 Warning Signs
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What is Greene County Bancorp Cyclically Adjusted FCF per Share?

Greene County Bancorp GCBC +1.96% 68 Cyclically Adjusted FCF per Share is $1.70 as of Mar. 2026. GuruFocus rates GCBC with a GF Score™ of 68/100 and a GF Value™ of $32.38 (Fairly Valued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Greene County Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.626. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.70 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Greene County Bancorp's average Cyclically Adjusted FCF Growth Rate was 10.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 7.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 12.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 14.80% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Greene County Bancorp was 27.50% per year. The lowest was 7.70% per year. And the median was 16.20% per year.

As of today (2026-07-01), Greene County Bancorp's current stock price is $34.26. Greene County Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $1.70. Greene County Bancorp's Cyclically Adjusted Price-to-FCF of today is 20.15.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Greene County Bancorp was 29.96. The lowest was 11.47. And the median was 18.32.


Greene County Bancorp  (NAS:GCBC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Greene County Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=34.26/1.70
=20.15

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Greene County Bancorp was 29.96. The lowest was 11.47. And the median was 18.32.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Greene County Bancorp Cyclically Adjusted FCF per Share Related Terms


Greene County Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Greene County Bancorp's Cyclically Adjusted FCF per Share 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.

Greene County Bancorp Cyclically Adjusted FCF per Share Chart

Greene County Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.06 1.28 1.40 1.50 1.60

Greene County Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.54 1.60 1.63 1.63 1.70

GCBC vs HBCP, CBNK, BSRR: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Greene County Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Greene County Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Greene County Bancorp's Cyclically Adjusted Price-to-FCF falls into.


GCBC
68GF Score
Greene County Bancorp Inc GCBC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Greene County Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Greene County Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.626/330.2130*330.2130
=0.626

Current CPI (Mar. 2026) = 330.2130.

Greene County Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.262 241.018 0.359
201609 0.165 241.428 0.226
201612 0.218 241.432 0.298
201703 0.218 243.801 0.295
201706 0.220 244.955 0.297
201709 0.374 246.819 0.500
201712 0.128 246.524 0.171
201803 0.315 249.554 0.417
201806 0.375 251.989 0.491
201809 0.163 252.439 0.213
201812 0.340 251.233 0.447
201903 0.363 254.202 0.472
201906 0.366 256.143 0.472
201909 0.326 256.759 0.419
201912 0.311 256.974 0.400
202003 0.368 258.115 0.471
202006 0.496 257.797 0.635
202009 0.287 260.280 0.364
202012 0.335 260.474 0.425
202103 0.256 264.877 0.319
202106 0.678 271.696 0.824
202109 0.392 274.310 0.472
202112 0.378 278.802 0.448
202203 0.428 287.504 0.492
202206 0.817 296.311 0.910
202209 0.249 296.808 0.277
202212 0.310 296.797 0.345
202303 0.434 301.836 0.475
202306 0.567 305.109 0.614
202309 0.340 307.789 0.365
202312 0.108 306.746 0.116
202403 0.289 312.332 0.306
202406 0.638 314.175 0.671
202409 0.117 315.301 0.123
202412 0.301 315.605 0.315
202503 0.426 319.799 0.440
202506 0.758 322.561 0.776
202509 0.385 324.800 0.391
202512 0.365 324.054 0.372
202603 0.626 330.213 0.626

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $1.70 mean?
Greene County Bancorp (GCBC) has a Cyclically Adjusted FCF per Share of $1.70 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Greene County Bancorp and its competitors.
Is Greene County Bancorp's Cyclically Adjusted FCF per Share too high?
Greene County Bancorp's current Cyclically Adjusted FCF per Share is $1.70. Overall, Greene County Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greene County Bancorp's Cyclically Adjusted FCF per Share compare to HBCP and CBNK?
Greene County Bancorp's Cyclically Adjusted FCF per Share of $1.70 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current Cyclically Adjusted FCF per Share is $1.70. 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 $32.38, compared to a current price of $34.26 — trading 5.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $1.70. Greene County Bancorp's overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Cyclically Adjusted FCF per Share is $1.70 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 $34.26 is trading 5.8% above its estimated GF Value™ of $32.38. GuruFocus considers Greene County Bancorp to be Fairly Valued.

Key valuation signals for GCBC:

  • Cyclically Adjusted FCF per Share: $1.70
  • GF Value™: $32.38 vs. price of $34.26 (5.8% above fair value)
  • GF Score™: 68/100 with 8 warning signs

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 Business Description

Address 302 Main Street, Catskill, NY, USA, 12414
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.
68GF Score

Get the complete analysis for GCBC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.26
Price
$32.38
GF Value