ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / GCBC
HIFS (53) TCBX (55) HBCP (53) SMBC (64) ⌘ Pro Terminal →

Greene County Bancorp Inc. (GCBC) — RQD Stock Rating Cockpit

$36.59 +2.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.67

Greene County Bancorp Inc. (GCBC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $608.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GCBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Greene County Bancorp Inc. (NASDAQ: GCBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $36.59 (+2.32% 1D, market cap $608.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, GCBC ranks #174 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GCBC compare to HIFS and TCBX in the Financials sector?
▼

Within the Financials sector (Banks), GCBC carries a Roarable C+ (67/100 RQD), trailing P/E of 19.6x, gross margin of —, and ROIC of 12.1%. By comparison, HIFS (Hingham Institution for Savings) holds a D+ grade (53/100 RQD, P/E N/A, ROIC —, cap $646.6M) and TCBX (Third Coast Bancshares Inc.) posts a D+ grade (55/100 RQD, P/E 10.2x, ROIC 12.5%, cap $664.4M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GCBC?
▼

Per GCBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001070524), Greene County Bancorp Inc. generated $1.32B in revenue (+6.1% YoY), $31.1M in net income, and $27.3M in free cash flow against $3.15B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $36.67 (+0.23%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk C
Cash (12)Whales (14)SEC (13)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+4% Base Target
$45 Bull$38 Base$30 Bear
📬 FREE GCBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GCBC)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY GCBC SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.7% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
59
Grade C$34.40+1.5% Next Q
Q2 (-2Q)
62
Grade C+$34.93+2.5% Next Q
Q3 (-1Q)
64
Grade C+$35.82+2.1% Next Q
Current
67
Grade C+$36.59+1.6% Hist 90D α
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GCBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, GCBC faces multiple-compression risk if 19.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.88) or 200D SMA ($28.82) invalidates the momentum regime and cuts Target Base ($38.07) toward Bear Floor ($29.69).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GCBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “GCBC Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
57.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE96% OF RANGE
L: $21$36.59H: $37
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on GCBC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

12.1% ROIC with 42.0% gross margin and 4.47% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (70)

29/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like GCBC
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (GCBC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
GCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +53.74%⚡ TESTING RESISTANCE
2026-11-03O $35.87H $36.59L $35.76C $36.59VOL 27.3K
RES: $37.47SUP: $32.62SMA50: $34.88SMA200: $28.82
$38.26$34.09$29.92$25.75$21.59RES $37.47SUP $32.62$36.592026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GCBC Butterfly Map → + Track GCBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
13.1%/yr Implied 5Y Growth

vs. +6.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GCBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GCBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for GCBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GCBC)

Financials Rank #174 of 1097 ⚔️ HIFS vs GCBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (GCBC vs. HIFS, TCBX, HBCP, SMBC)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Greene County Bancorp Inc. (GCBC) ranks #174 by composite RQD confidence (67/100, grade C+) and #660 by equity capitalization ($608.8M). Within this direct 5-issuer industry benchmark cohort, TCBX leads on earnings valuation at 10.2x trailing P/E, while TCBX leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. GCBC currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
GCBC ACTIVE
Greene County Bancorp Inc.
C+ 67/100 19.6x — 12.1% +2.32% $608.8M Benchmark Subject
HIFS
Hingham Institution for Savings
D+ 53/100 — — — +3.10% $646.6M /hifs-vs-gcbc →
TCBX
Third Coast Bancshares Inc.
D+ 55/100 10.2x — 12.5% +1.96% $664.4M /tcbx-vs-gcbc →
HBCP
Home Bancorp Inc.
D+ 53/100 10.5x — 10.6% +2.22% $477.0M /hbcp-vs-gcbc →
SMBC
Southern Missouri Bancorp Inc.
C 64/100 13.5x — 10.3% +2.21% $778.6M /smbc-vs-gcbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001070524 ↗

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Greene County Bancorp Inc. (GCBC) reported GAAP revenue of $1.32B (+6.1% vs. FY2024 revenue of $1.25B , and +854.1% cumulative change since FY2023) , GAAP net income of $31.1M, operating cash flow of $28.0M, and free cash flow of $27.3M (+16.6% YoY). On the balance sheet, GCBC closed FY2025 with $3.15B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $1.32B $31.1M $28.0M $27.3M $3.15B —
FY2024 (FY) 2024-06-30 $1.25B $24.8M $24.9M $23.4M $2.97B —
FY2023 (FY) 2023-06-30 $138.5M $30.8M $28.1M $28.1M — —

3. GCBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Greene County Bancorp Inc. (NASDAQ: GCBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $36.59 (+2.32% 1D, market cap $608.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, GCBC ranks #174 in composite RQD confidence.

How does GCBC compare to HIFS and TCBX in the Financials sector?

Within the Financials sector (Banks), GCBC carries a Roarable C+ (67/100 RQD), trailing P/E of 19.6x, gross margin of —, and ROIC of 12.1%. By comparison, HIFS (Hingham Institution for Savings) holds a D+ grade (53/100 RQD, P/E N/A, ROIC —, cap $646.6M) and TCBX (Third Coast Bancshares Inc.) posts a D+ grade (55/100 RQD, P/E 10.2x, ROIC 12.5%, cap $664.4M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GCBC?

Per GCBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001070524), Greene County Bancorp Inc. generated $1.32B in revenue (+6.1% YoY), $31.1M in net income, and $27.3M in free cash flow against $3.15B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GCBC trading relative to its 50-day, 200-day, and 52-week technical levels?

GCBC last traded at $36.59 (+2.32% on volume of 18,677 shares), positioning the stock +4.90% above its 50-day simple moving average ($34.88) and +26.96% above its 200-day simple moving average ($28.82). Across its 52-week range of $21.38 to $37.25, GCBC sits at the 95.8% percentile with a 14-day RSI of 57.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($34.87 to $38.31).

Direct Sub-Reports: GCBC RQD Cockpit GCBC 12M Forecast GCBC Earnings & Move GCBC Dividends & DRIP GCBC Insiders & 13F GCBC Whale Options GCBC Profit Sankey GCBC News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

GCBC — Greene County Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Greene County Bancorp Inc. (GCBC) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $36.59 (+2.32% 1D, market capitalization $608.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 12.1%, gross margin of —, operating margin of —, and free cash flow yield of 4.47%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Greene County Bancorp Inc. (GCBC) is a NASDAQ-listed issuer classified under the Financials sector and Banks industry,. — for further business description beyond sector, industry, exchange, and market capitalization of $0.6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Greene County Bancorp Inc. (GCBC) reported $1.32B in annual revenue (up from $1.25B in FY2024, +6.1% YoY) and $31.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($138.5M revenue, $30.8M net income) through FY2025, GCBC scaled operating cash flow to $28.0M and free cash flow to $27.3M, backed by $3.15B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.47% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $21.38 – $37.25 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 19.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlation specifics, or 2nd-order bottlenecks. Sector classification alone (Financials / Banks) is the only structural context available.

  • Key Question #1: Can GCBC sustain or expand its — operating margin and 12.1% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.32B and free cash flow of $27.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is GCBC's 18.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

GCBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Greene County Bancorp Inc. (GCBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GCBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GCBC Bull vs. Bear Conversation Board — What's Your Call at $36.59?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GCBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on GCBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $42.20 (+18.0%)
📌 Pinned Debate

Insider conviction (15/20) and ROIC of 12.1% with a 4.47% FCF yield point to a cash-generating bank with constructive ownership signals

Here is why I am bullish on GCBC here at $35.76: Insider conviction (15/20) and ROIC of 12.1% with a 4.47% FCF yield point to a cash-generating bank with constructive ownership signals.. Compare GCBC's 0.0% operating margin and 12.1% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $33.97 are getting bought.

EarningsSniper 🐂 BULL

@SkepticalCFA Shorting a 14/20 institutional whale-flow stock at $35.76 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $26.82 (-25.0%)
Spot @ $35.76

Valuation at 19.6 trailing P/E alongside a Piotroski F-Score of 4/9 and a beta of 1.0 offers no clear margin of safety or defensive cus

I respect the product at Greene County Bancorp Inc., but the stock at $35.76 is a different story. Valuation at 19.6 trailing P/E alongside a Piotroski F-Score of 4/9 and a beta of 1.0 offers no clear margin of safety or defensive cushion.. FCF yield is 4.47% and RQD sits at 67/100 (C+) — why pay up here when you can wait for next quarter's numbers?

LIVE TAPE