Greene County BancorpGCBC +1.16%68 Return-on-Tangible-Equity is 16.01% as of Mar. 2026, which is 1% above its 10-year median of 15.78. 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 1,525 Banks companies, Greene County Bancorp ranks better than 77.84% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Greene County Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $42.09 Mil. Greene County Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $262.93 Mil. Therefore, Greene County Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.01%.
The historical rank and industry rank for Greene County Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
GCBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.69 Med: 15.78 Max: 18.21
Current: 15.71
During the past 13 years, Greene County Bancorp's highest Return-on-Tangible-Equity was 18.21%. The lowest was 12.69%. And the median was 15.78%.
GCBC's Return-on-Tangible-Equity is ranked better than 77.84% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs GCBC: 15.71
Greene County Bancorp (NAS:GCBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Greene County Bancorp Return-on-Tangible-Equity Related Terms
Greene County Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Greene County Bancorp's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
GCBC vs HBCP, CBNK, BSRR: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Greene County Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.01% mean?
Greene County Bancorp (GCBC) has a Return-on-Tangible-Equity of 16.01% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Greene County Bancorp and its competitors. This is near median its historical median of 15.78. Over the past decade, Greene County Bancorp's Return-on-Tangible-Equity has ranged from 12.69 to 18.21. According to the industry distribution chart, Greene County Bancorp ranks #338 out of 1525 companies in the Banks industry, placing it in the top 22.2%.
Is Greene County Bancorp's Return-on-Tangible-Equity too high?
Greene County Bancorp's current Return-on-Tangible-Equity of 16.01% is near median its 10-year median of 15.78. Over the past 10 years, this metric has ranged from a low of 12.69 to a high of 18.21. The Banks industry median Return-on-Tangible-Equity is 11.21. Greene County Bancorp's value of 16.01% is 42.8% above this industry median. Based on the distribution chart, Greene County Bancorp ranks #338 out of 1525 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 Return-on-Tangible-Equity compare to HBCP and CBNK?
According to the Banks industry distribution chart, Greene County Bancorp ranks #338 out of 1525 companies for Return-on-Tangible-Equity. This places Greene County Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Greene County Bancorp's value of 16.01% is 42.8% above this benchmark. Historically, Greene County Bancorp's own Return-on-Tangible-Equity has ranged from 12.69 to 18.21 over the past decade. While the company's 10-year median is 15.78 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current Return-on-Tangible-Equity of 16.01% is 42.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Greene County Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current Return-on-Tangible-Equity is 16.01%, which is near median its own 10-year median of 15.78. 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 $33.22 — trading 2.6% above its estimated fair value. The current Return-on-Tangible-Equity is 16.01%, which is near median its 10-year median of 15.78 and 42.8% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Return-on-Tangible-Equity is 16.01% 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 $33.22 is trading 2.6% above its estimated GF Value™ of $32.37.
GuruFocus considers Greene County Bancorp to be Fairly Valued.
Key valuation signals for GCBC:
Return-on-Tangible-Equity: 16.01% (near median its 10-year median of 15.78)
GF Value™: $32.37 vs. price of $33.22 (2.6% above fair value)
Industry Position: 42.8% above the Banks median (#338 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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