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Greene County BancorpGCBC +0.98%68 Equity-to-Asset is 0.08 as of Mar. 2026, which is at its 10-year median of 0.08. GuruFocus rates GCBC with a GF Score™ of 68/100 and a GF Value™ of $32.44 (Fairly Valued). The stock has 9 warning signs investors should review. Among 1,525 Banks companies, Greene County Bancorp ranks worse than 55.41% on this metric.
The historical rank and industry rank for Greene County Bancorp's Equity-to-Asset or its related term are showing as below:
GCBC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.08 Max: 0.09
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Greene County Bancorp was 0.09. The lowest was 0.06. And the median was 0.08.
GCBC's Equity-to-Asset is ranked worse than 55.41% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs GCBC: 0.09
Greene County Bancorp (NAS:GCBC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Greene County Bancorp Equity-to-Asset Related Terms
Greene County Bancorp Equity-to-Asset Historical Data
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The historical data trend for Greene County Bancorp's Equity-to-Asset 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.
GCBC vs FBIZ, HBCP, WCCB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Greene County Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Greene County Bancorp's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Greene County Bancorp and its competitors. This is near median its historical median of 0.08. Over the past decade, Greene County Bancorp's Equity-to-Asset has ranged from 0.06 to 0.09. According to the industry distribution chart, Greene County Bancorp ranks #845 out of 1525 companies in the Banks industry, placing it in the top 55.4%.
Is Greene County Bancorp's Equity-to-Asset too high?
Greene County Bancorp's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Greene County Bancorp's value of 0.08 is 20% below this industry median. Based on the distribution chart, Greene County Bancorp ranks #845 out of 1525 companies in the Banks industry, which is below the industry midpoint. 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 Equity-to-Asset compare to FBIZ and HBCP?
According to the Banks industry distribution chart, Greene County Bancorp ranks #845 out of 1525 companies for Equity-to-Asset. This places Greene County Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Greene County Bancorp's value of 0.08 is 20% below this benchmark. Historically, Greene County Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Greene County Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. 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 $32.44, compared to a current price of $34.03 — trading 4.9% above its estimated fair value. The current Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. Greene County Bancorp's overall GF Score™ is 68/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Equity-to-Asset is 0.08 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 $34.03 is trading 4.9% above its estimated GF Value™ of $32.44.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: $32.44 vs. price of $34.03 (4.9% above fair value)
Industry Position: 20% below the Banks median (#845 of 1525)
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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