Is GREENE COUNTY BANCORP INC (GCBC) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 54.2% | |
| Net Margin | 44.6% | |
| Return on Equity (ROE) | 15.3% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $28M |
| Free Cash Flow | $27M |
| Total Debt | $128M |
| Total Assets | $3.0B |
Price & Trading
| Last Close | $22.45 |
| 50-Day MA | $22.79 |
| 200-Day MA | $23.09 |
| Avg Volume | 12K |
| Beta | 0.4 |
|
52-Week Range
$20.00
| |
About GREENE COUNTY BANCORP INC (GCBC)
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
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Frequently Asked Questions
Is GREENE COUNTY BANCORP INC (GCBC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), GREENE COUNTY BANCORP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is GREENE COUNTY BANCORP INC's debt ratio?
GREENE COUNTY BANCORP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are GREENE COUNTY BANCORP INC's key financial metrics?
GREENE COUNTY BANCORP INC has a market capitalization of $378M, trailing P/E ratio of 10.3, and revenue of $75M. Return on equity stands at 15.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.