GCBC vs FBLA Stock Comparison

Greene County Bancorp and FB Bancorp Prices as of Oct 23, 2026 Peers: Industry group
GCBC Greene County Bancorp Inc
$35.61 +3.0% 1M +64.0% 1Y
Market cap
$606.11M
P/E
14.8x
Revenue (TTM)
$92.58M
Div. yield
–
Thrifts and Savings Banks Financial Services
7 wins
FBLA FB Bancorp, Inc. /MD/
$16.91 +4.9% 1M +40.9% 1Y
Market cap
$279.92M
P/E
–
Revenue (TTM)
$43.92M
Div. yield
–
Thrifts and Savings Banks Financial Services
1 win

Head to Head

8 decided of 12

Greene County Bancorp leads on 7 of the 12 questions below (Greene County Bancorp 7, FB Bancorp 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionGCBCFBLALeader
Larger companyMarket capitalisation $606.11M $279.92M GCBC
Cheaper on earningsLower P/E, profitable companies only 14.8x -992.6x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS — — –
Faster revenue growthRevenue growth, trailing twelve months +22.9% -35.4% GCBC
More profitableNet margin, trailing twelve months 44.3% -0.6% GCBC
Better return on capitalReturn on invested capital 28.5% 5.1% GCBC
Less leveragedLower net debt / EBITDA 0.2x 2.5x GCBC
Higher dividend yieldTrailing dividend yield 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +64.0% +40.9% GCBC
Better 5-year returnAnnualised price return, 5 years +16.3%/yr — –
Less volatileAnnualised volatility, 1 year 30.6% 14.8% FBLA
Higher overall scoreMean of the five percentile scores vs peers 51/100 35/100 GCBC

Percentile Scorecard

GCBCFBLA

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisGCBCFBLA
Valuation 10 #326 of 361 27 #263 of 361
Growth 81 #65 of 344 60 #139 of 344
Profitability 92 #30 of 348 11 #309 of 348
Financial Health 63 #128 of 340 41 #202 of 340
Shareholder Returns 7 #326 of 352 –
Overall 51 35
  • GCBC ranked among 370 companies in Banking
  • FBLA ranked among 370 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodGCBCFBLASPY
1 month +3.0%+4.9% -1.0%
3 months +7.9%+8.7% +2.9%
6 months +52.0%+20.7% +6.4%
Year to date +60.2%+31.6% +11.4%
1 year +64.0%+40.9% +13.1%
3 years +55.0%— +79.4%
3 years, per year +15.7%— +21.5%
5 years +112.6%— +67.7%
5 years, per year +16.3%— +10.9%
10 years +323.9%— +255.2%
10 years, per year +15.5%— +13.5%

Risk

MeasureGCBCFBLASPY
Volatility, 1Y 30.6%14.8% 12.7%
Downside volatility, 1Y 28.4%13.4% 12.7%
Beta vs S&P 500, 1Y 0.270.19 1.00
Return / volatility, 1Y 2.092.77 1.03
Max drawdown, 5Y -53.2%-19.8% -25.4%
From 52-week high -1.1%-2.2% -2.5%
52-week high $36.01$17.29 $779.14
52-week low $21.61$11.96 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleGCBCFBLA
P/E now vs peer median 14.8xmedian 12.5x -977.3xmedian 12.5x
P/S now vs peer median 6.5xmedian 3.5x 6.2xmedian 3.5x
EV/EBITDA now vs peer median 6.2xmedian 4.8x 13.0xmedian 4.8x
P/FCF now vs peer median 14.6xmedian 11.4x 9.9xmedian 11.4x
P/B now vs peer median 2.2xmedian 1.2x 1.0xmedian 1.2x
PEG now vs peer median 1.47median 1.48 —median 1.48

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsGCBCFBLA
Revenue $92.58M $43.92M
Net income $41.02M -$282.00K
Free cash flow $41.56M $27.34M
EPS (diluted) $2.41 $-0.02
Cash & equivalents $15.12M $45.21M
Total debt $36.15M $111.19M
Shares (diluted) 17.03M 14.91M
Enterprise value $585.89M $62.50M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricGCBCFBLA
P/E 14.8x -977.3x
P/FCF 14.6x 9.9x
P/Operating cash flow 14.3x 9.2x
P/S 6.5x 6.2x
P/B 2.2x 1.0x
P/Tangible book 2.2x 1.0x
EV/EBITDA 6.2x 13.0x
EV/EBIT 6.3x 14.9x
EV/Revenue 6.8x 7.7x
EV/FCF 15.1x 12.3x
EV/Operating cash flow 14.8x 11.5x
PEG (3Y EPS CAGR) 1.47 –

Growth

14 metrics
MetricGCBCFBLA
Revenue growth (1Y) 22.9% -35.4%
Revenue CAGR (3Y) 8.1% –
Gross profit growth (1Y) – –
Gross profit CAGR (3Y) – –
Operating income growth (1Y) – –
Operating income CAGR (3Y) – –
Net income growth (1Y) 31.7% 94.0%
Net income CAGR (3Y) 10.0% –
EPS growth (1Y) 31.8% 92.6%
EPS CAGR (3Y) 10.0% –
Operating cash flow growth (1Y) 51.2% 12.9%
Operating cash flow CAGR (3Y) 14.6% –
Free cash flow growth (1Y) 52.3% 51.5%
Free cash flow CAGR (3Y) 16.1% –

Profitability

14 metrics
MetricGCBCFBLA
Gross margin – –
EBITDA margin 109.7% 59.3%
Operating margin – –
Pretax margin 50.6% 9.2%
Net margin 44.3% -0.6%
FCF margin 44.9% 62.3%
Operating cash flow margin 45.7% 67.1%
Return on equity 15.0% 0.8%
Return on assets 1.3% 0.2%
Return on invested capital 28.5% 5.1%
Return on capital employed – –
Asset turnover 0.0x 0.0x
Cash conversion (OCF / net income) 1.0x -104.5x
Stock comp / revenue – 3.1%

Financial Health

11 metrics
MetricGCBCFBLA
Debt / assets 1.1% 9.1%
Debt / equity 0.1x 0.4x
Net debt / EBITDA 0.2x 2.5x
Debt / FCF 0.9x 4.1x
Liabilities / assets 91.3% 76.8%
Equity / assets 8.7% 23.2%
Interest coverage 1.9x 1.2x
Current ratio – –
Quick ratio – –
Cash ratio – –
Altman Z-score – –

Shareholder Returns

7 metrics
MetricGCBCFBLA
Dividend yield 1.2% –
Net buyback yield – –
Shareholder yield 1.2% –
Payout ratio (earnings) – –
Payout ratio (FCF) – –
Dividend growth (1Y) – –
Dividend CAGR (3Y) – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusGCBCFBLA

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersGCBCFBLA
Held by institutions 14.9% 41.5%
Institutions holding 81 89
Change in shares held, QoQ +9.8% +10.9%
Institutions buying 49 59
Institutions selling 18 17
Buyers to sellers 2.72 3.47

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

GCBCFBLA
GCBC 1.00 0.38
FBLA 0.38 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, GCBC and FBLA?

Greene County Bancorp (GCBC) is the largest by market capitalisation: Greene County Bancorp (GCBC) $606.11M, FB Bancorp (FBLA) $279.92M.

Which company is growing faster?

Greene County Bancorp (GCBC) grew revenue fastest over the trailing twelve months: Greene County Bancorp (GCBC) +22.9%, FB Bancorp (FBLA) -35.4%.

Which company is more profitable?

Greene County Bancorp (GCBC) has the highest net margin (Greene County Bancorp (GCBC) 44.3%, FB Bancorp (FBLA) -0.6%). On return on invested capital, Greene County Bancorp (GCBC) leads (Greene County Bancorp (GCBC) 28.5%, FB Bancorp (FBLA) 5.1%).

Which stock has performed better?

Over the past year Greene County Bancorp (GCBC) returned the most: Greene County Bancorp (GCBC) +64.0%, FB Bancorp (FBLA) +40.9%. Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, FB Bancorp (FBLA) has been the steadiest (Greene County Bancorp (GCBC) 30.6%, FB Bancorp (FBLA) 14.8%). Volatility measures how widely the price swings, not the risk of the business.

Do GCBC and FBLA move together?

Their daily returns over the past year have a correlation of 0.38, a weak relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, GCBC and FBLA?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Greene County Bancorp (GCBC) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.