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Greene County Bancorp GCBC Weighted-Average Discount Rate

Weighted-Average Discount Rate at other companies

CNB Financial logo
CNB FinancialCCNE
5.3%0.0pp
Center Bancorp logo
Center BancorpCNOB
6%0.0pp

Other financials

Income statement

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Revenue$23.9M+19.0%
Net income$10.5M+30.6%
EPS (diluted)$0.62+31.9%

Balance sheet

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Cash & equivalents$139.5M-10.3%
Total debt$75.5M+71.7%
Total equity$267.6M+16.8%
Total assets$3.2B+5.8%

Cash flow

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Operating cash flow$10.7M+46.1%
CapEx$13.0K-75.0%
Free cash flow$10.7M+46.9%

Valuation

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Market cap$518.43M+38.7%
Enterprise value$454.43M+73.2%
P/E13.3×+0.2×
P/S5.9×+0.7×

Profitability

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Net margin44.3%+4.4pp
FCF margin41.3%+5.9pp

Returns & leverage

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Return on equity15.7%+2.4pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Greene County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.

The official record: Greene County Bancorp’s 10-Q, filed February 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Greene County Bancorp's weighted-average discount rate?
Greene County Bancorp (GCBC) reported weighted-average discount rate of 5.4% in Q4 2025.
What is the long-term trend for Greene County Bancorp's weighted-average discount rate?
Over 4 years (2021 to 2025), Greene County Bancorp's weighted-average discount rate has grown at a 18.3% compound annual growth rate (CAGR), from 2.7% to 5.3%.
What does weighted-average discount rate mean?
This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.