Is GCBC or HAFC more undervalued in 2026?

CirclFi compares Greene County Bancorp, Inc. (GCBC) and Hanmi Financial Corporation (HAFC) using 13 institutional-grade valuation models. GCBC has a Quality of Company score of 9.2/10 while HAFC scores 9.1/10.

Which is a better buy — GCBC or HAFC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do GCBC and HAFC valuations compare?

GCBC at $25.84 and HAFC at $30.17 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

GCBC vs HAFC Valuation Comparison 2026 — Intrinsic Value Analysis

GCBC

Banks - Regional

Greene County Bancorp, Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$25.84

Last close

Models

11/13

Active

HAFC

Banks - Regional

Hanmi Financial Corporation

Quality

9.1

out of 10

Value Trap

SAFE

Price

$30.17

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	GCBC Fair Value	GCBC Upside	HAFC Fair Value	HAFC Upside
Bayesian DCF	Intrinsic	$15.28	-40.9%	$42.60	+41.2%
Earnings Power Value	Intrinsic	$25.50	-1.3%	$22.77	-24.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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GCBC vs HAFC — Which Stock Is More Undervalued?

GCBC scores higher with a 9.2/10 quality rating vs HAFC's 9.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Greene County Bancorp, Inc. (GCBC) and Hanmi Financial Corporation (HAFC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

GCBC currently trades at $25.84 with a QOC of 9.2/10, while HAFC trades at $30.17 with a QOC of 9.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).