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

$35.87 +1.16% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Greene County Bancorp Inc. (GCBC) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $610.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury 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 SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GCBC)Realized 20D OHLCV Swing Band: ±4.9%

RSI-14 MOMENTUMBULLISH MOMENTUM

58.230 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 RANGE91% OF RANGE

L: $21$35.87H: $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● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 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: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury 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

NEUTRAL (55)

23/40 institutional & smart-money positioning score with 10/20 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

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GCBC)

✓Walkthrough of GCBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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GCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +49.15%📐 HORIZONTAL RANGE

2026-10-30O $35.07H $36.02L $35.07C $35.87VOL 27.3K

RES: $37.42SUP: $32.66SMA50: $34.85SMA200: $28.68

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

13.1%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #614 of 1096 ⚔️ HIFS vs GCBC Full Matrix →

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

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Greene County Bancorp Inc. (GCBC) ranks #614 by composite RQD confidence (58/100, grade D+) and #664 by equity capitalization ($610.7M). 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. HBCP currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with GCBC at 58/100 (D+).

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.	D+	58/100	19.6x	—	12.1%	+1.16%	$610.7M	Benchmark Subject
HIFS Hingham Institution for Savings	D	51/100	—	—	—	+1.22%	$657.3M	/hifs-vs-gcbc →
TCBX Third Coast Bancshares Inc.	C	63/100	10.2x	—	12.5%	+0.35%	$673.0M	/tcbx-vs-gcbc →
HBCP Home Bancorp Inc.	C+	66/100	10.5x	—	10.6%	-0.11%	$483.0M	/hbcp-vs-gcbc →
SMBC Southern Missouri Bancorp Inc.	C	63/100	13.5x	—	10.3%	-0.25%	$791.2M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$31.1M	$28.0M	$27.3M	$3.15B	—
FY2024 (FY)	2024-06-30	$0	$24.8M	$24.9M	$23.4M	$2.97B	—
FY2023 (FY)	2023-06-30	$0	$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 2026-11-01, Greene County Bancorp Inc. (NASDAQ: GCBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $35.87 (+1.16% 1D, market cap $610.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, GCBC ranks #614 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 D+ (58/100 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 (51/100 RQD, P/E N/A, ROIC —, cap $657.3M) and TCBX (Third Coast Bancshares Inc.) posts a C grade (63/100 RQD, P/E 10.2x, ROIC 12.5%, cap $673.0M). 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 $0 in revenue, $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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. 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 $35.87 (+1.16% on volume of 27,705 shares), positioning the stock +2.93% above its 50-day simple moving average ($34.85) and +25.07% above its 200-day simple moving average ($28.68). Across its 52-week range of $21.38 to $37.25, GCBC sits at the 91.3% percentile with a 14-day RSI of 58.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($34.11 to $37.63).

GCBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell GCBC stock right now?

Greene County Bancorp Inc. (GCBC) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at 20x P/E (12% return on capital) under elevated 10-year interest-rate pressure.

What is GCBC's 12-month price target and RQD AI Jury consensus?

GCBC's 12-month base price target is $35.87 (range $27.98 to $42.33), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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