GCBC (Greene County Bancorp) ROE % Adjusted to Book Value: 11.20% (As of Mar. 2026)


GCBC Greene County Bancorp Inc GCBC
69 GF Score
Price $29.86
GF Value $32.37
Valuation Fairly Valued
! 8 Warning Signs
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What is Greene County Bancorp ROE % Adjusted to Book Value?

Greene County Bancorp GCBC +3.90% 69 ROE % Adjusted to Book Value is 11.20% as of Mar. 2026. 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.

Greene County Bancorp's ROE % for the quarter that ended in Mar. 2026 was 16.01%. Greene County Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.43. Greene County Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.20%.


Greene County Bancorp ROE % Adjusted to Book Value Related Terms


Greene County Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Greene County Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Greene County Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.75 7.46 6.52 4.56 8.86

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
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.04 10.10 9.40 11.06 11.20

GCBC vs PDLB, OBT, GBFH: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Greene County Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Greene County Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Greene County Bancorp's ROE % Adjusted to Book Value falls into.


GCBC
69GF Score
Greene County Bancorp Inc GCBC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Greene County Bancorp ROE % Adjusted to Book Value Calculation

Greene County Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.00% / 1.58
=8.86%

Greene County Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.01% / 1.43
=11.20%

* 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.

What does a ROE % Adjusted to Book Value of 11.20% mean?
Greene County Bancorp (GCBC) has a ROE % Adjusted to Book Value of 11.20% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Greene County Bancorp and its competitors.
Is Greene County Bancorp's ROE % Adjusted to Book Value too high?
Greene County Bancorp's current ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value compare to PDLB and OBT?
Greene County Bancorp's ROE % Adjusted to Book Value of 11.20% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current ROE % Adjusted to Book Value is 11.20% 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:

  • ROE % Adjusted to Book Value: 11.20%
  • GF Value™: $32.37 vs. price of $29.86 (7.8% below fair value)
  • GF Score™: 69/100 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.
69GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.86
Price
$32.37
GF Value