Greene County BancorpGCBC +3.90%69 ROE % 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 69/100 and a GF Value™ of $32.37 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,524 Banks companies, Greene County Bancorp ranks better than 83.14% on this metric.
The historical rank and industry rank for Greene County Bancorp's ROE % or its related term are showing as below:
GCBC'
s ROE % 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 ROE % was 18.21%. The lowest was 12.69%. And the median was 15.78%.
GCBC's ROE % is ranked better than 83.14% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs GCBC: 15.71
Greene County Bancorp (NAS:GCBC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Greene County Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Greene County Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Greene County Bancorp (GCBC) has a ROE % of 16.01% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 ROE % has ranged from 12.69 to 18.21. According to the industry distribution chart, Greene County Bancorp ranks #257 out of 1524 companies in the Banks industry, placing it in the top 16.9%.
Is Greene County Bancorp's ROE % too high?
Greene County Bancorp's current ROE % 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 ROE % is 10.22. Greene County Bancorp's value of 16.01% is 56.7% above this industry median. Based on the distribution chart, Greene County Bancorp ranks #257 out of 1524 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 ROE % compare to PDLB and OBT?
According to the Banks industry distribution chart, Greene County Bancorp ranks #257 out of 1524 companies for ROE %. This places Greene County Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Greene County Bancorp's value of 16.01% is 56.7% above this benchmark. Historically, Greene County Bancorp's own ROE % 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 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Greene County Bancorp's current ROE % of 16.01% is 56.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Greene County Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greene County Bancorp's current ROE % 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 $29.86 — trading 7.8% below its estimated fair value. The current ROE % is 16.01%, which is near median its 10-year median of 15.78 and 56.7% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current ROE % 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 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 %: 16.01% (near median its 10-year median of 15.78)
GF Value™: $32.37 vs. price of $29.86 (7.8% below fair value)
Industry Position: 56.7% above the Banks median (#257 of 1524)
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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