GCBC (Greene County Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Greene County Bancorp LT-Debt-to-Total-Asset?

Greene County Bancorp GCBC +7.82% 68 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates GCBC with a GF Score™ of 68/100 and a GF Value™ of $32.37 (Fairly Valued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Greene County Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Greene County Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.01). It may suggest that Greene County Bancorp is progressively becoming less dependent on debt to grow their business.

Greene County Bancorp (NAS:GCBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Greene County Bancorp LT-Debt-to-Total-Asset Related Terms

Greene County Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Greene County Bancorp's LT-Debt-to-Total-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.

Greene County Bancorp LT-Debt-to-Total-Asset Chart

Greene County Bancorp Annual Data

Trend

Jun16

Jun17

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Jun20

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Jun22

Jun23

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Jun25

LT-Debt-to-Total-Asset

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0.01

0.02

0.03

0.02

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.01	0.01

68GF Score

Greene County Bancorp Inc GCBC

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Greene County Bancorp LT-Debt-to-Total-Asset Calculation

Greene County Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	54.056	/	3040.609
	=	0.02

Greene County Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	34.143	/	3181.155
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Greene County Bancorp (GCBC) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Greene County Bancorp and its competitors.

Is Greene County Bancorp's LT-Debt-to-Total-Asset too high?

Greene County Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to PDLB and OBT?

Greene County Bancorp's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 $32.72 — trading 1.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current LT-Debt-to-Total-Asset is 0.01 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 $32.72 is trading 1.1% above its estimated GF Value™ of $32.37. GuruFocus considers Greene County Bancorp to be Fairly Valued.

Key valuation signals for GCBC:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $32.37 vs. price of $32.72 (1.1% 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

Industry Financial Services Banks

Comparable Companies PDLB OBT GBFH COFS FFMR BSVN FBIZ CBAN BMRC BWFG SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 302 Main Street, Catskill, NY, USA, 12414

Website https://www.tbogc.com

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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$32.72

Price

$32.37

GF Value

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