GCBC (Greene County Bancorp) Moat Score: 4/10 (As of Jun. 27, 2026)


GCBC Greene County Bancorp Inc GCBC
68 GF Score
Price $32.72
GF Value $32.37
Valuation Fairly Valued
! 8 Warning Signs
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What is Greene County Bancorp Moat Score?

Greene County Bancorp GCBC +7.82% 68 Moat Score is 4 as of Jun. 27, 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. Among 1,610 Banks companies, Greene County Bancorp ranks better than 86.15% on this metric.

Greene County Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Greene County Bancorp has Narrow Moat: Greene County Bancorp Inc has a discernible moat due to its local market leadership and customer loyalty. However, it lacks significant economies of scale or network effects, limiting its moat to a modest level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Greene County Bancorp might have Narrow Moat - Discernible but modest moat.

Greene County Bancorp  (NAS:GCBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Greene County Bancorp Moat Score Related Terms

GCBC vs PDLB, OBT, GBFH: Moat Score Comparison

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

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

* The bar in red indicates where Greene County Bancorp's Moat Score falls into.


GCBC
68GF Score
Greene County Bancorp Inc GCBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Greene County Bancorp (GCBC) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Greene County Bancorp ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Greene County Bancorp's Moat Score too high?
Greene County Bancorp's current Moat Score is 4. Based on the distribution chart, Greene County Bancorp ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PDLB and OBT?
According to the Banks industry distribution chart, Greene County Bancorp ranks #223 out of 1610 companies for Moat Score. This places Greene County Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Greene County Bancorp's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Moat Score is 4 as of Jun. 27, 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:

  • Moat Score: 4
  • 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

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.
68GF Score

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

$32.72
Price
$32.37
GF Value