Greene County Bancorp, Inc. (GCBC) Fair Value 2026

GCBC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Greene County Bancorp, Inc. (GCBC) trades at $34.63, versus a $17.51 median fair value across its 6 active models — 49.4% below the current price. QOC: 8.4/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
GCBC
Price
$34.63
Quality Score
8.4/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Greene County Bancorp, Inc. (GCBC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Greene County Bancorp, Inc. (GCBC) appears overvalued as of : the median of 6 independent fair value estimates is $17.51, 49.4% below the current price of $34.63. Estimates range from $7.44 to $32.07. GCBC scores 8.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. GCBC’s -49.4% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Greene County Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give GCBC?

6 Intrinsic Value Models vs. Current Price ($34.63)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $17.67 -49.0%
Ensemble · Low Conviction
 $17.36 -49.9%
Intrinsic · High Conviction
 $7.44 -78.5%
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What Is GCBC's Fair Value Range?

Spread across 6 independent models · $7.44 to $32.07

CirclFi's 6 active models place Greene County Bancorp, Inc. (GCBC) between $7.44 and $32.07 per share, a spread of 141% of the median. The median of that range — $17.51 — is the fair value CirclFi publishes for GCBC, against a current price of $34.63.

Low · Markov DDMHigh · ML-RIV
$7.44median $17.51$32.07
Where the range comes from
Most bearish modelMarkov DDM$7.44
Most bullish modelML Residual Income$32.07
Model agreement0 bullish · 6 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for GCBC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on GCBC, not a CirclFi price target. How each model works →

What Is Greene County Bancorp, Inc. (GCBC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Greene County Bancorp, Inc.'s intrinsic value is estimated at $17.51, suggesting the stock is overvalued at its current price of $34.63. With 6 out of 6 models flagging downside (-49.4% vs price), the market may be pricing in unsustainable growth. Notably, ML-RIV sees the most upside at -7.4% (fair value: $32.07), while Markov DDM is the most conservative at -78.5% ($7.44). The spread between these extremes — +71.1% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About GCBC?

6 of 13 models are currently active for GCBC. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for GCBC is $17.51 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does GCBC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, GCBC ranks #77 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places GCBC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Greene County Bancorp, Inc. competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is GCBC a Value Trap?

CirclFi's Value Trap algorithm assigns GCBC a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Greene County Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Greene County Bancorp, Inc. is rated at 8.4/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +71.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every GCBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across GCBC's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Greene County Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CLSTCatalyst Bancorp, Inc.QOC 8.4FHBFirst Hawaiian, Inc.QOC 8.4AMTBAmerant Bancorp Inc.QOC 8.4HAFCHanmi Financial CorporationQOC 8.4WBHCWilson Bank Holding CompanyQOC 8.4EQBKEquity Bancshares, Inc.QOC 8.4FFBCFirst Financial Bancorp.QOC 8.0MBBCMarathon Bancorp, Inc.QOC 7.5BYFCBroadway Financial CorporationQOC 5.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CLST · FHB · AMTB · HAFC · WBHC · EQBK · FFBC · MBBC · BYFC · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to GCBC?

6 companies across all industries closest to GCBC’s Quality of Company score of 8.4/10.

MXCMexco Energy CorporationQOC 8.4FRHCFreedom Holdings Corp.QOC 8.4PSNParsons CorporationQOC 8.4DKSDICK'S Sporting Goods, Inc.QOC 8.4TILEInterface, Inc.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MXC · FRHC · PSN · DKS · TILE · NVDA

Where Does GCBC Sit in CirclFi's Banks - Regional Rankings?

GCBC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Greene County Bancorp, Inc.’s Valuation?

What is Greene County Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Greene County Bancorp, Inc. (GCBC)'s intrinsic value at $17.51 — the median of 6 independent model estimates as of 2026-08-27, ranging from $7.44 to $32.07. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is GCBC overvalued or undervalued right now?

At $34.63, 0 of 6 active models suggest GCBC may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $17.51, 49.4% below the current price of $34.63 — a consensus view that GCBC is overvalued. The assessment depends on which methodology best fits Greene County Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for GCBC?

Greene County Bancorp, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on GCBC?

CirclFi analyzes GCBC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on GCBC?

Of the 6 models currently active on GCBC, ML Residual Income is the most bullish at $32.07 per share, and Markov DDM is the most bearish at $7.44. CirclFi's published fair value for GCBC is the median of that range, $17.51, not either extreme. The gap between the two ends equals 141% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is GCBC a value trap in 2026?

Greene County Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Greene County Bancorp, Inc. (GCBC) has a median fair value of $17.51 — 49.4% below the current price of $34.63 — as of 2026-08-27.” Source: circlfi.com/stock/GCBC/ · Methodology
Primary sources for this GCBC valuation
  • Financial statements: Greene County Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001070524) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for GCBC as of ; valuations recomputed .

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