FNLC
Price
$25.66
Change
+$0.78 (+3.14%)
Updated
Jul 25 closing price
Capitalization
274.25M
GCBC
Price
$25.12
Change
+$0.20 (+0.80%)
Updated
Jul 25 closing price
Capitalization
490.2M
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FNLC vs GCBC

Header iconFNLC vs GCBC Comparison
Open Charts FNLC vs GCBCBanner chart's image
First Ban
Price$25.66
Change+$0.78 (+3.14%)
Volume$22.33K
Capitalization274.25M
Greene County Ban
Price$25.12
Change+$0.20 (+0.80%)
Volume$13.85K
Capitalization490.2M
FNLC vs GCBC Comparison Chart in %
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FNLC
Daily Signalchanged days ago
Gain/Loss if bought
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GCBC
Daily Signalchanged days ago
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FNLC vs. GCBC commentary
Jul 28, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FNLC is a Hold and GCBC is a Buy.

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COMPARISON
Comparison
Jul 28, 2025
Stock price -- (FNLC: $25.66 vs. GCBC: $25.12)
Brand notoriety: FNLC and GCBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 100% vs. GCBC: 44%
Market capitalization -- FNLC: $274.25M vs. GCBC: $490.2M
FNLC [@Regional Banks] is valued at $274.25M. GCBC’s [@Regional Banks] market capitalization is $490.2M. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.03B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FNLC’s FA Score shows that 0 FA rating(s) are green whileGCBC’s FA Score has 0 green FA rating(s).

  • FNLC’s FA Score: 0 green, 5 red.
  • GCBC’s FA Score: 0 green, 5 red.
According to our system of comparison, FNLC is a better buy in the long-term than GCBC.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FNLC’s TA Score shows that 5 TA indicator(s) are bullish while GCBC’s TA Score has 5 bullish TA indicator(s).

  • FNLC’s TA Score: 5 bullish, 5 bearish.
  • GCBC’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, FNLC is a better buy in the short-term than GCBC.

Price Growth

FNLC (@Regional Banks) experienced а -4.00% price change this week, while GCBC (@Regional Banks) price change was -0.36% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.51%. For the same industry, the average monthly price growth was +4.61%, and the average quarterly price growth was +10.19%.

Industries' Descriptions

@Regional Banks (+0.51% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
GCBC($490M) has a higher market cap than FNLC($274M). GCBC has higher P/E ratio than FNLC: GCBC (16.93) vs FNLC (9.17). FNLC YTD gains are higher at: -2.153 vs. GCBC (-8.724). FNLC has more cash in the bank: 25.1M vs. GCBC (12.1M). FNLC has less debt than GCBC: FNLC (20.1M) vs GCBC (179M). FNLC has higher revenues than GCBC: FNLC (80.6M) vs GCBC (68.2M).
FNLCGCBCFNLC / GCBC
Capitalization274M490M56%
EBITDAN/AN/A-
Gain YTD-2.153-8.72425%
P/E Ratio9.1716.9354%
Revenue80.6M68.2M118%
Total Cash25.1M12.1M207%
Total Debt20.1M179M11%
FUNDAMENTALS RATINGS
FNLC vs GCBC: Fundamental Ratings
FNLC
GCBC
OUTLOOK RATING
1..100
804
VALUATION
overvalued / fair valued / undervalued
1..100
49
Fair valued
90
Overvalued
PROFIT vs RISK RATING
1..100
3752
SMR RATING
1..100
4040
PRICE GROWTH RATING
1..100
5353
P/E GROWTH RATING
1..100
8193
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FNLC's Valuation (49) in the Regional Banks industry is somewhat better than the same rating for GCBC (90) in the Savings Banks industry. This means that FNLC’s stock grew somewhat faster than GCBC’s over the last 12 months.

FNLC's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as GCBC (52) in the Savings Banks industry. This means that FNLC’s stock grew similarly to GCBC’s over the last 12 months.

FNLC's SMR Rating (40) in the Regional Banks industry is in the same range as GCBC (40) in the Savings Banks industry. This means that FNLC’s stock grew similarly to GCBC’s over the last 12 months.

FNLC's Price Growth Rating (53) in the Regional Banks industry is in the same range as GCBC (53) in the Savings Banks industry. This means that FNLC’s stock grew similarly to GCBC’s over the last 12 months.

FNLC's P/E Growth Rating (81) in the Regional Banks industry is in the same range as GCBC (93) in the Savings Banks industry. This means that FNLC’s stock grew similarly to GCBC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCGCBC
RSI
ODDS (%)
Bearish Trend 3 days ago
63%
N/A
Stochastic
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
57%
Momentum
ODDS (%)
Bearish Trend 3 days ago
49%
Bullish Trend 3 days ago
79%
MACD
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
62%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
50%
Bearish Trend 3 days ago
58%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
79%
Advances
ODDS (%)
Bullish Trend 11 days ago
55%
Bullish Trend 5 days ago
80%
Declines
ODDS (%)
Bearish Trend 6 days ago
53%
Bearish Trend 10 days ago
58%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
74%
Bearish Trend 3 days ago
57%
Aroon
ODDS (%)
Bullish Trend 3 days ago
52%
Bullish Trend 3 days ago
74%
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FNLC
Daily Signalchanged days ago
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GCBC
Daily Signalchanged days ago
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with CTBI. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then CTBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
+3.14%
CTBI - FNLC
81%
Closely correlated
-0.16%
CVBF - FNLC
81%
Closely correlated
-2.48%
CHCO - FNLC
81%
Closely correlated
-1.80%
AROW - FNLC
81%
Closely correlated
-0.74%
MBWM - FNLC
81%
Closely correlated
-0.56%
More

GCBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, GCBC has been closely correlated with FNLC. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if GCBC jumps, then FNLC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To GCBC
1D Price
Change %
GCBC100%
+0.80%
FNLC - GCBC
69%
Closely correlated
+3.14%
BHB - GCBC
69%
Closely correlated
+1.34%
CAC - GCBC
68%
Closely correlated
+0.12%
CTBI - GCBC
68%
Closely correlated
-0.16%
PEBO - GCBC
68%
Closely correlated
N/A
More