Greene County Bancorp (NAS:GCBC) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Greene County Bancorp Effective Interest Rate on Debt % Related Terms
Greene County Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for Greene County Bancorp's Effective Interest Rate on 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.
Greene County Bancorp Effective Interest Rate on Debt % Chart
GCBC vs HBCP, CBNK, BSRR: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Greene County Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 30.84% mean?
Greene County Bancorp (GCBC) has a Effective Interest Rate on Debt % of 30.84% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Greene County Bancorp and its competitors.
Is Greene County Bancorp's Effective Interest Rate on Debt % too high?
Greene County Bancorp's current Effective Interest Rate on Debt % is 30.84%. 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 Effective Interest Rate on Debt % compare to HBCP and CBNK?
Greene County Bancorp's Effective Interest Rate on Debt % of 30.84% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current Effective Interest Rate on Debt % is 30.84%. 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 $32.39, compared to a current price of $34.66 — trading 7% above its estimated fair value. The current Effective Interest Rate on Debt % is 30.84%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Effective Interest Rate on Debt % is 30.84% 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 $34.66 is trading 7% above its estimated GF Value™ of $32.39.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
Effective Interest Rate on Debt %: 30.84%
GF Value™: $32.39 vs. price of $34.66 (7% above fair value)
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.
68GF Score
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