GCBC (Greene County Bancorp) E10: $1.58 (As of Mar. 2026)


GCBC Greene County Bancorp Inc GCBC
69 GF Score
Price $29.97
GF Value $32.37
Valuation Fairly Valued
! 8 Warning Signs
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What is Greene County Bancorp E10?

Greene County Bancorp GCBC +4.36% 69 E10 is $1.58 as of Mar. 2026. GuruFocus rates GCBC with a GF Score™ of 69/100 and a GF Value™ of $32.37 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Greene County Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.620. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.58 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Greene County Bancorp's average E10 Growth Rate was 15.30% per year. During the past 3 years, the average E10 Growth Rate was 13.50% per year. During the past 5 years, the average E10 Growth Rate was 17.70% per year. During the past 10 years, the average E10 Growth Rate was 17.70% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Greene County Bancorp was 21.50% per year. The lowest was 9.30% per year. And the median was 15.30% per year.

As of today (2026-06-24), Greene County Bancorp's current stock price is $29.97. Greene County Bancorp's E10 for the quarter that ended in Mar. 2026 was $1.58. Greene County Bancorp's Shiller PE Ratio of today is 18.97.

During the past 13 years, the highest Shiller PE Ratio of Greene County Bancorp was 43.20. The lowest was 14.41. And the median was 24.18.


Greene County Bancorp  (NAS:GCBC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Greene County Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=29.97/1.58
=18.97

* 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 Shiller P/E Ratio of Greene County Bancorp was 43.20. The lowest was 14.41. And the median was 24.18.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Greene County Bancorp E10 Related Terms


Greene County Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Greene County Bancorp's E10 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 E10 Chart

Greene County Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.77 0.97 1.13 1.26 1.42

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
E10 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 1.37 1.42 1.47 1.51 1.58

GCBC vs PDLB, OBT, GBFH: E10 Comparison

For the Banks - Regional subindustry, Greene County Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Greene County Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Greene County Bancorp's Shiller PE Ratio falls into.


GCBC
69GF Score
Greene County Bancorp Inc GCBC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Greene County Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.62/330.2130*330.2130
=0.620

Current CPI (Mar. 2026) = 330.2130.

Greene County Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.135 241.018 0.185
201609 0.150 241.428 0.205
201612 0.170 241.432 0.233
201703 0.170 243.801 0.230
201706 0.170 244.955 0.229
201709 0.205 246.819 0.274
201712 0.215 246.524 0.288
201803 0.215 249.554 0.284
201806 0.210 251.989 0.275
201809 0.255 252.439 0.334
201812 0.270 251.233 0.355
201903 0.255 254.202 0.331
201906 0.245 256.143 0.316
201909 0.285 256.759 0.367
201912 0.300 256.974 0.386
202003 0.235 258.115 0.301
202006 0.275 257.797 0.352
202009 0.285 260.280 0.362
202012 0.365 260.474 0.463
202103 0.310 264.877 0.386
202106 0.445 271.696 0.541
202109 0.420 274.310 0.506
202112 0.405 278.802 0.480
202203 0.420 287.504 0.482
202206 0.400 296.311 0.446
202209 0.530 296.808 0.590
202212 0.420 296.797 0.467
202303 0.480 301.836 0.525
202306 0.380 305.109 0.411
202309 0.380 307.789 0.408
202312 0.340 306.746 0.366
202403 0.340 312.332 0.359
202406 0.400 314.175 0.420
202409 0.370 315.301 0.387
202412 0.440 315.605 0.460
202503 0.470 319.799 0.485
202506 0.550 322.561 0.563
202509 0.520 324.800 0.529
202512 0.600 324.054 0.611
202603 0.620 330.213 0.620

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.58 mean?
Greene County Bancorp (GCBC) has a E10 of $1.58 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Greene County Bancorp and its competitors.
Is Greene County Bancorp's E10 too high?
Greene County Bancorp's current E10 is $1.58. Overall, Greene County Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greene County Bancorp's E10 compare to PDLB and OBT?
Greene County Bancorp's E10 of $1.58 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current E10 is $1.58. 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 $32.37, compared to a current price of $29.97 — trading 7.4% below its estimated fair value. The current E10 is $1.58. Greene County Bancorp's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current E10 is $1.58 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 undervalued. The current stock price of $29.97 is trading 7.4% below its estimated GF Value™ of $32.37. GuruFocus considers Greene County Bancorp to be Fairly Valued.

Key valuation signals for GCBC:

  • E10: $1.58
  • GF Value™: $32.37 vs. price of $29.97 (7.4% below fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for GCBC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.97
Price
$32.37
GF Value