Greene County BancorpGCBC +4.36%69 Net Margin % is 44.05% as of Mar. 2026, which is 19% above its 10-year median of 37.14. 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 1,527 Banks companies, Greene County Bancorp ranks better than 89.59% on this metric.
The historical rank and industry rank for Greene County Bancorp's Net Margin % or its related term are showing as below:
GCBC'
s Net Margin % Range Over the Past 10 Years
Min: 27.85 Med: 37.14 Max: 44.3
Current: 44.3
GCBC's Net Margin % is ranked better than 89.59% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs GCBC: 44.30
Greene County Bancorp (NAS:GCBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Greene County Bancorp Net Margin % Related Terms
Greene County Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Greene County Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's Net 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 Net Margin % of 44.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Greene County Bancorp and its competitors. This is 19% above median its historical median of 37.14. Over the past decade, Greene County Bancorp's Net Margin % has ranged from 27.85 to 44.30. According to the industry distribution chart, Greene County Bancorp ranks #159 out of 1527 companies in the Banks industry, placing it in the top 10.4%.
Is Greene County Bancorp's Net Margin % too high?
Greene County Bancorp's current Net Margin % of 44.05% is 19% above median its 10-year median of 37.14. Over the past 10 years, this metric has ranged from a low of 27.85 to a high of 44.30. The Banks industry median Net Margin % is 26.95. Greene County Bancorp's value of 44.05% is 63.5% above this industry median. Based on the distribution chart, Greene County Bancorp ranks #159 out of 1527 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 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greene County Bancorp's Net Margin % compare to PDLB and OBT?
According to the Banks industry distribution chart, Greene County Bancorp ranks #159 out of 1527 companies for Net Margin %. This places Greene County Bancorp in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Greene County Bancorp's value of 44.05% is 63.5% above this benchmark. Historically, Greene County Bancorp's own Net Margin % has ranged from 27.85 to 44.30 over the past decade. While the company's 10-year median is 37.14 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current Net Margin % of 44.05% is 63.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Greene County Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current Net Margin % is 44.05%, which is 19% above median its own 10-year median of 37.14. 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 $29.97 — trading 7.4% below its estimated fair value. The current Net Margin % is 44.05%, which is 19% above median its 10-year median of 37.14 and 63.5% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Net Margin % is 44.05% 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 $29.97 is trading 7.4% below its estimated GF Value™ of $32.37.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
Net Margin %: 44.05% (19% above median its 10-year median of 37.14)
GF Value™: $32.37 vs. price of $29.97 (7.4% below fair value)
Industry Position: 63.5% above the Banks median (#159 of 1527)
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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