Is Greene County Bancorp, Inc. overvalued or undervalued?

As of 1 August 2025, the valuation grade for Greene County Bancorp, Inc. has moved from expensive to fair. Based on the current metrics, the company appears to be fairly valued. The P/E ratio stands at 13, which is comparable to the industry average of 13.14, while the PEG ratio is notably low at 0.79, indicating potential for growth relative to its price. Additionally, the EV to EBITDA ratio is 9.95, suggesting that the company is reasonably priced in relation to its earnings before interest, taxes, depreciation, and amortization.
In terms of peer comparison, TrustCo Bank Corp. NY has a P/E of 14.54, and Southern Missouri Bancorp, Inc. has a more attractive P/E of 11.64, highlighting that Greene County Bancorp is positioned competitively within its sector. Despite recent underperformance with a year-to-date return of -10.79% compared to the S&P 500's 12.22%, the five-year return of 124.31% suggests that the stock has the potential for recovery and growth moving forward.