GCBC (Greene County Bancorp) Scaled Net Operating Assets: -0.04 (As of Mar. 2026)


GCBC Greene County Bancorp Inc GCBC
69 GF Score
Price $29.84
GF Value $32.37
Valuation Fairly Valued
! 8 Warning Signs
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What is Greene County Bancorp Scaled Net Operating Assets?

Greene County Bancorp GCBC +3.90% 69 Scaled Net Operating Assets is -0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Greene County Bancorp's operating assets for the quarter that ended in Mar. 2026 was $2,688.51 Mil. Greene County Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $2,806.22 Mil. Greene County Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $3,147.00 Mil. Therefore, Greene County Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.04.

GCBC
69GF Score
Greene County Bancorp Inc GCBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Greene County Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Greene County Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(2856.106-2673.716)/2825.788
=0.06

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3040.609 - 184.503
=2856.106

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2801.772 - 54.056 - 74
=2673.716

Greene County Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2688.508-2806.219)/3146.995
=-0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3181.155 - 492.647
=2688.508

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2913.562 - 34.143 - 73.2
=2806.219

* 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 Scaled Net Operating Assets of -0.04 mean?
Greene County Bancorp (GCBC) has a Scaled Net Operating Assets of -0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Greene County Bancorp and its competitors.
Is Greene County Bancorp's Scaled Net Operating Assets too high?
Greene County Bancorp's current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets compare to PDLB and OBT?
Greene County Bancorp's Scaled Net Operating Assets of -0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Greene County Bancorp and its competitors. Greene County Bancorp's current Scaled Net Operating Assets is -0.04. 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 $29.84 — trading 7.8% below its estimated fair value. The current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Greene County Bancorp (GCBC), the current Scaled Net Operating Assets is -0.04 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 $29.84 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:

  • Scaled Net Operating Assets: -0.04
  • GF Value™: $32.37 vs. price of $29.84 (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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$29.84
Price
$32.37
GF Value