Greene County BancorpGCBC +3.90%69 FCF Margin % is 44.62% as of Mar. 2026, which is 7% above its 10-year median of 41.74. 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. Among 1,505 Banks companies, Greene County Bancorp ranks better than 69.97% on this metric.
The historical rank and industry rank for Greene County Bancorp's FCF Margin % or its related term are showing as below:
GCBC'
s FCF Margin % Range Over the Past 10 Years
Min: 36.07 Med: 41.74 Max: 48.91
Current: 41.25
During the past 13 years, the highest FCF Margin % of Greene County Bancorp was 48.91%. The lowest was 36.07%. And the median was 41.74%.
GCBC's FCF Margin % is ranked better than 69.97% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs GCBC: 41.25
Greene County Bancorp FCF Margin % Related Terms
Greene County Bancorp FCF Margin % Historical Data
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The historical data trend for Greene County Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Greene County Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's FCF Margin % 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 FCF Margin % of 44.62% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Greene County Bancorp and its competitors. This is near median its historical median of 41.74. Over the past decade, Greene County Bancorp's FCF Margin % has ranged from 36.07 to 48.91. According to the industry distribution chart, Greene County Bancorp ranks #452 out of 1505 companies in the Banks industry, placing it in the top 30%.
Is Greene County Bancorp's FCF Margin % too high?
Greene County Bancorp's current FCF Margin % of 44.62% is near median its 10-year median of 41.74. Over the past 10 years, this metric has ranged from a low of 36.07 to a high of 48.91. The Banks industry median FCF Margin % is 26.42. Greene County Bancorp's value of 44.62% is 68.9% above this industry median. Based on the distribution chart, Greene County Bancorp ranks #452 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to PDLB and OBT?
According to the Banks industry distribution chart, Greene County Bancorp ranks #452 out of 1505 companies for FCF Margin %. This puts Greene County Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.42. Greene County Bancorp's value of 44.62% is 68.9% above this benchmark. Historically, Greene County Bancorp's own FCF Margin % has ranged from 36.07 to 48.91 over the past decade. While the company's 10-year median is 41.74 vs. the industry median of 26.42, Greene County Bancorp has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current FCF Margin % of 44.62% is 68.9% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Greene County Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current FCF Margin % is 44.62%, which is near median its own 10-year median of 41.74. 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 $29.86 — trading 7.8% below its estimated fair value. The current FCF Margin % is 44.62%, which is near median its 10-year median of 41.74 and 68.9% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current FCF Margin % is 44.62% 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 $29.86 is trading 7.8% below its estimated GF Value™ of $32.37.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
FCF Margin %: 44.62% (near median its 10-year median of 41.74)
GF Value™: $32.37 vs. price of $29.86 (7.8% below fair value)
Industry Position: 68.9% above the Banks median (#452 of 1505)
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.
69GF Score
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