Greene County Bancorp, Inc.(GCBC)Earnings, Financials & Key Ratios

GCBC•NASDAQ•Banking & Credit

16.1× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial real estate and multifamily lenders

AboutGreene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.Show more

Net Interest Income$60M+17.9%
Total Revenue$133M+13.1%
Net Income$31M+25.7%
Return on Equity14%+10.0%
Net Interest Margin1.98%+9.6%
Efficiency Ratio29.62%-6.7%
ROA1.06%+18.4%
Equity / Assets7.85%+7.7%
Book Value per Share14.03+15.9%

GCBC Key Insights

Greene County Bancorp, Inc. (GCBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 29.6% efficiency ratio
✓12 consecutive years of dividend growth
✓Momentum leader: RS Rating 82 (top 18%)
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of 2.0%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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GCBC Price & Volume

Greene County Bancorp, Inc. (GCBC) stock price & volume — 10-year historical chart

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GCBC Growth Metrics

Greene County Bancorp, Inc. (GCBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.53%

5 Years16.49%

3 Years20.71%

TTM-

Profit CAGR

10 Years15.79%

5 Years10.7%

3 Years3.62%

TTM38.74%

EPS CAGR

10 Years15.58%

5 Years10.72%

3 Years3.51%

TTM38.06%

Return on Capital

10 Years15.09%

5 Years14.45%

3 Years12.22%

Last Year10.7%

GCBC Recent Earnings

Greene County Bancorp, Inc. (GCBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

Q2 2026Latest

Apr 22, 2026

Metric

Actual

Est

EPS

$0.62

—

Rev

$36M

—

Q1 2026

Jan 21, 2026

Metric

Actual

Est

EPS

$0.60

—

Rev

$37M

—

Q4 2025

Oct 21, 2025

Metric

Actual

Est

EPS

$0.52

—

Rev

$36M

—

Q4 2025

Sep 5, 2025

Metric

Actual

Est

EPS

$0.55

—

Rev

$35M

—

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 22, 2026	$0.62	$36M
Q1 2026	Jan 21, 2026	$0.60	$37M
Q4 2025	Oct 21, 2025	$0.52	$36M
Q4 2025	Sep 5, 2025	$0.55	$35M

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
CZWICitizens Community Bancorp, Inc.Direct Competitor	205.47M	21.34	14.62	-9.41%	16.01%	7.81%	0.28
NECBNortheast Community Bancorp, Inc.Direct Competitor	356.09M	25.74	7.92	-1.55%	28.41%	13.07%	0.21
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
TRSTTrustCo Bank Corp NYDirect Competitor	925.2M	52.24	16.07	5.77%	21.97%	8.86%	0.28
FISIFinancial Institutions, Inc.Product Competitor	735.42M	37.36	10.35	43.07%	19.86%	12.26%	0.53
SRCE1st Source CorporationProduct Competitor	1.87B	76.91	11.91	5.2%	27.72%	12.39%	0.26
CNOBConnectOne Bancorp, Inc.Product Competitor	1.63B	32.45	21.93	13.44%	11.89%	5.49%	0.74
NFBKNorthfield Bancorp, Inc.Product Competitor	601.82M	14.41	727.78	-26.69%	0.3%	0.11%	1.44

Compare GCBC vs Peers

Greene County Bancorp, Inc. (GCBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for GCBC.

Scale Benchmark

vs FIS

Larger-name benchmark to compare GCBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NECB, NBTB, TRST

GCBC Income Statement

Greene County Bancorp, Inc. (GCBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Net Interest Income	30.38M	34.91M	40M	44.83M	53.15M	58.01M	61.22M	50.98M	60.12M	69.5M
NII Growth %	15.87%	14.92%	14.57%	12.08%	18.54%	9.14%	5.54%	-16.73%	17.93%	130.64%
Net Interest Margin %	3.09%	3.03%	3.15%	2.67%	2.42%	2.26%	2.27%	1.8%	1.98%	2.21%
Interest Income	33.46M	38.93M	46.31M	53.31M	58.33M	63.44M	84.63M	103.66M	117.7M	125.64M
Interest Expense	3.08M	4.01M	6.31M	8.48M	5.18M	5.44M	23.41M	52.69M	57.58M	56.14M
Loan Loss Provision	1.91M	1.53M	1.66M	3.9M	3.97M	3.28M	-1.07M	766K	1.32M	1.66M
Non-Interest Income	6.42M	7.48M	8.36M	8.65M	9.67M	12.14M	12.15M	13.91M	15.23M	14.76M
Non-Interest Income %	16.11%	16.12%	15.29%	13.96%	14.22%	16.06%	12.55%	11.83%	11.46%	10.51%
Total Revenue	39.88M▲ 0%	46.41M▲ 16.4%	54.67M▲ 17.8%	61.96M▲ 13.3%	68M▲ 9.7%	75.58M▲ 11.2%	96.77M▲ 28.0%	117.57M▲ 21.5%	132.94M▲ 13.1%	140.4M▲ 0%
Revenue Growth %	14.72%	16.36%	17.8%	13.34%	9.73%	11.16%	28.04%	21.5%	13.07%	48.33%
Non-Interest Expense	19.97M	22.36M	25.68M	27.82M	31.22M	33.96M	38.61M	37.3M	39.37M	40.96M
Efficiency Ratio	50.06%	48.18%	46.97%	44.9%	45.92%	44.93%	39.9%	31.73%	29.62%	29.17%
Operating Income	14.93M▲ 0%	18.5M▲ 23.9%	21.03M▲ 13.6%	21.76M▲ 3.5%	27.61M▲ 26.9%	32.91M▲ 19.2%	35.83M▲ 8.9%	26.82M▼ 25.1%	34.67M▲ 29.3%	41.64M▲ 0%
Operating Margin %	37.43%	39.87%	38.46%	35.11%	40.61%	43.54%	37.02%	22.81%	26.08%	29.66%
Operating Income Growth %	28.23%	23.95%	13.64%	3.47%	26.93%	19.16%	8.88%	-25.14%	29.26%	-
Pretax Income	14.93M▲ 0%	18.5M▲ 23.9%	21.03M▲ 13.6%	21.76M▲ 3.5%	27.61M▲ 26.9%	32.91M▲ 19.2%	35.83M▲ 8.9%	26.82M▼ 25.1%	34.67M▲ 29.3%	41.64M▲ 0%
Pretax Margin %	37.43%	39.87%	38.46%	35.11%	40.61%	43.54%	37.02%	22.81%	26.08%	29.66%
Income Tax	3.74M	4.09M	3.54M	3.03M	3.67M	4.92M	5.04M	2.05M	3.53M	5.09M
Effective Tax Rate %	25.06%	22.13%	16.85%	13.92%	13.3%	14.95%	14.07%	7.64%	10.18%	12.23%
Net Income	11.19M▲ 0%	14.41M▲ 28.8%	17.48M▲ 21.3%	18.73M▲ 7.1%	23.94M▲ 27.8%	27.99M▲ 16.9%	30.79M▲ 10.0%	24.77M▼ 19.5%	31.14M▲ 25.7%	36.55M▲ 0%
Net Margin %	28.05%	31.05%	31.98%	30.22%	35.21%	37.03%	31.81%	21.07%	23.42%	26.03%
Net Income Growth %	24.81%	28.79%	21.35%	7.11%	27.85%	16.89%	10%	-19.54%	25.71%	38.74%
Net Income (Continuing)	11.19M	14.41M	17.48M	18.73M	23.94M	27.99M	30.79M	24.77M	31.14M	36.55M
EPS (Diluted)	0.66▲ 0%	0.85▲ 28.8%	1.02▲ 20.0%	1.10▲ 7.8%	1.41▲ 28.2%	1.65▲ 17.0%	1.81▲ 9.7%	1.45▼ 19.9%	1.83▲ 26.2%	2.15▲ 0%
EPS Growth %	24.53%	28.79%	20%	7.84%	28.18%	17.02%	9.7%	-19.89%	26.21%	38.06%
EPS (Basic)	0.66	0.85	1.02	1.10	1.41	1.65	1.81	1.45	1.83	-
Diluted Shares Outstanding	17.03M	17.07M	17.08M	17.06M	17.03M	17.03M	17.03M	17.03M	17.03M	17.03M

GCBC Balance Sheet

Greene County Bancorp, Inc. (GCBC) balance sheet — assets, liabilities & shareholders' equity

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Cash & Short Term Investments	109.91M	149.69M	155.14M	271.24M	545.22M	481.18M	482.15M	543.23M	504.34M	1.87B
Cash & Due from Banks	18.42M	28.89M	32.41M	44.53M	154.33M	73.12M	201.02M	193.23M	184.5M	8.8M
Short Term Investments	91.48M	120.81M	122.73M	226.71M	390.89M	408.06M	281.13M	350M	319.84M	411.59M
Total Investments	939.5M	1.1B	1.21B	1.6B	1.97B	2.4B	2.4B	2.52B	2.74B	2.89B
Investments Growth %	13.49%	17.08%	10.27%	32.25%	23.06%	21.55%	-0.17%	5.24%	8.69%	35.21%
Long-Term Investments	848.02M	979.2M	1.09B	1.38B	1.58B	1.99B	2.11B	2.17B	2.42B	9.81B
Accounts Receivables	4.03M	5.06M	5.85M	8.21M	7.78M	8.92M	12.25M	14.27M	16.38M	1.68B
Goodwill & Intangibles	0	0	0	0	0	0	0	0	0	0
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	13.62M	13.3M	13.26M	13.66M	14.14M	14.36M	15.03M	15.61M	15.23M	15.29M
Other Assets	2.93M	1.66M	1.81M	1.23M	41.58M	60.57M	57.05M	81.78M	84.62M	-2.5B
Total Current Assets	117.73M	157.31M	164.2M	284.47M	561.45M	505.33M	511.88M	557.5M	520.73M	2.1B
Total Non-Current Assets	864.56M	994.17M	1.11B	1.39B	1.64B	2.07B	2.19B	2.27B	2.52B	15.29M
Total Assets	982.29M▲ 0%	1.15B▲ 17.2%	1.27B▲ 10.2%	1.68B▲ 32.1%	2.2B▲ 31.2%	2.57B▲ 16.9%	2.7B▲ 4.9%	2.83B▲ 4.7%	3.04B▲ 7.6%	3.15B▲ 0%
Asset Growth %	13.07%	17.22%	10.25%	32.09%	31.22%	16.88%	4.92%	4.73%	7.6%	24.86%
Return on Assets (ROA)	1.21%	1.35%	1.44%	1.27%	1.23%	1.17%	1.17%	0.9%	1.06%	1.19%
Accounts Payable	0	0	0	0	0	28.41M	28.34M	0	0	0
Total Debt	29.55M	18.15M	21.6M	25.48M	22.64M	173.01M	49.49M	199.14M	128.06M	214.12M
Net Debt	11.13M	-10.74M	-10.81M	-19.05M	-131.68M	99.89M	-151.53M	5.91M	-56.45M	205.32M
Long-Term Debt	22.65M	18.15M	13.6M	7.6M	19.64M	49.31M	49.49M	83.84M	54.06M	34.12M
Short-Term Debt	6.9M	0	8M	17.88M	3M	123.7M	455K	115.3M	74M	180M
Other Liabilities	0	0	0	0	2.03B	0	2.47B	31.43M	33.88M	2.67B
Total Current Liabilities	876.12M	1.04B	1.14B	1.54B	2.03B	2.36B	2.47B	2.5B	2.71B	180M
Total Non-Current Liabilities	22.65M	18.15M	13.6M	7.6M	2.05B	49.31M	2.52B	115.27M	87.94M	2.71B
Total Liabilities	898.77M	1.06B	1.16B	1.55B	2.05B	2.41B	2.52B	2.62B	2.8B	2.89B
Total Equity	83.52M▲ 0%	96.19M▲ 15.2%	112.37M▲ 16.8%	128.81M▲ 14.6%	149.58M▲ 16.1%	157.71M▲ 5.4%	183.28M▲ 16.2%	206M▲ 12.4%	238.84M▲ 15.9%	258.27M▲ 0%
Equity Growth %	12.41%	15.17%	16.82%	14.63%	16.13%	5.44%	16.21%	12.39%	15.94%	63.9%
Equity / Assets (Capital Ratio)	8.5%	8.35%	8.85%	7.68%	6.8%	6.13%	6.79%	7.29%	7.85%	8.21%
Return on Equity (ROE)	14.18%	16.03%	16.77%	15.53%	17.2%	18.21%	18.06%	12.73%	14%	15%
Book Value per Share	4.91	5.64	6.58	7.55	8.79	9.26	10.76	12.10	14.03	15.17
Tangible BV per Share	4.91	5.64	6.58	7.55	8.79	9.26	10.76	12.10	14.03	15.17
Common Stock	861K	861K	861K	861K	861K	1.72M	1.72M	1.72M	1.72M	1.72M
Additional Paid-in Capital	10.99M	11.02M	11.02M	11.02M	11.02M	10.16M	10.16M	10.16M	10.16M	10.16M
Retained Earnings	73.07M	86.21M	101.77M	118.26M	139.78M	165.13M	193.72M	214.74M	241.4M	259M
Accumulated OCI	-992K	-1.62M	-1.01M	-428K	-1.16M	-18.38M	-21.41M	-19.71M	-13.54M	-11.7M
Treasury Stock	-410K	-277K	-277K	-908K	-908K	-908K	-908K	-908K	-908K	-908K
Preferred Stock	0	0	0	0	0	0	0	0	0	0

GCBC Cash Flow Statement

Greene County Bancorp, Inc. (GCBC) cash flow — operating, investing & free cash flow history

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Cash from Operations	14.05M	20.67M	21.63M	26.72M	27.75M	35.35M	28.11M	24.91M	27.98M	33.9M
Operating CF Growth %	3.44%	47.15%	4.61%	23.57%	3.85%	27.39%	-20.49%	-11.39%	12.33%	294.54%
Net Income	11.19M	14.41M	17.48M	18.73M	23.94M	27.99M	30.79M	24.77M	31.14M	36.55M
Depreciation & Amortization	637K	635K	638K	713K	775K	826K	871K	928K	1.06M	820K
Deferred Taxes	-259K	56K	-967K	-1.03M	-2.02M	-682K	-149K	-74K	-706K	1.07M
Other Non-Cash Items	3.21M	2.6M	2.46M	5.61M	3.32M	2.23M	666K	-624K	-370K	-2.56M
Working Capital Changes	-732K	2.98M	2.01M	2.7M	1.75M	4.99M	-4.06M	-91K	-3.15M	-1.99M
Cash from Investing	-115.76M	-163.38M	-115.34M	-397.32M	-417.14M	-471.18M	661K	-129.24M	-210.17M	-210.18M
Purchase of Investments	-115.3M	-183.29M	-191.32M	-391.49M	-626.64M	-669.21M	-211.96M	-329.59M	-444.16M	-629.54M
Sale/Maturity of Investments	103.22M	101.45M	160.71M	208.08M	344.05M	359.77M	367.27M	298.17M	360.16M	561.4M
Net Investment Activity	-12.08M	-81.84M	-30.62M	-183.41M	-282.59M	-309.44M	155.31M	-31.42M	-84M	-68.14M
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-103.61M	-81.21M	-84.13M	-212.79M	-133.29M	-160.69M	-153.12M	-96.31M	-125.47M	-134.72M
Cash from Financing	102.1M	152.93M	96.75M	381.52M	498.7M	355.06M	98.67M	98.28M	174.87M	133.92M
Dividends Paid	-1.92M	-1.53M	-2.04M	-2.24M	-2.43M	-2.63M	-2.19M	-3.24M	-4.47M	-2.97M
Share Repurchases	0	0	0	-631K	0	0	0	0	0	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	0	0	0	-631K	0	0	0	0	0	0
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	0
Other Financing	120.87M	165.86M	95.33M	380.51M	504.03M	207.5M	224.56M	-47.94M	250.61M	173.78M
Net Change in Cash	382K▲ 0%	10.23M▲ 2577.2%	3.03M▼ 70.3%	10.93M▲ 260.1%	109.31M▲ 900.6%	-80.77M▼ 173.9%	127.44M▲ 257.8%	-6.05M▼ 104.7%	-7.32M▼ 20.9%	-11.88M▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	30.48M
Cash at Beginning	15.89M	16.28M	26.5M	29.54M	40.46M	149.78M	69.01M	196.44M	190.4M	0
Cash at End	16.28M	26.5M	29.54M	40.46M	149.78M	69.01M	196.44M	190.4M	183.08M	0
Interest Paid	3.06M	4.02M	6.29M	8.47M	4.96M	5.18M	23.07M	52.07M	57.86M	42.16M
Income Taxes Paid	5.56M	2.33M	4.4M	3.12M	6.3M	5.6M	6.31M	1.8M	1.17M	-393K
Free Cash Flow	13.97M▲ 0%	20.35M▲ 45.6%	21.04M▲ 3.4%	25.61M▲ 21.7%	26.5M▲ 3.5%	34.3M▲ 29.5%	26.57M▼ 22.5%	23.4M▼ 11.9%	27.29M▲ 16.6%	32.93M▲ 0%
FCF Growth %	5.12%	45.63%	3.38%	21.73%	3.48%	29.45%	-22.54%	-11.93%	16.6%	43.72%

GCBC Banking Ratios

Greene County Bancorp, Inc. (GCBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	14.18%	16.03%	16.77%	15.53%	17.2%	18.21%	18.06%	12.73%	14%	15%
Return on Assets (ROA)	1.21%	1.35%	1.44%	1.27%	1.23%	1.17%	1.17%	0.9%	1.06%	1.19%
Net Interest Margin	3.09%	3.03%	3.15%	2.67%	2.42%	2.26%	2.27%	1.8%	1.98%	2.21%
Efficiency Ratio	50.06%	48.18%	46.97%	44.9%	45.92%	44.93%	39.9%	31.73%	29.62%	29.17%
Equity / Assets	8.5%	8.35%	8.85%	7.68%	6.8%	6.13%	6.79%	7.29%	7.85%	8.21%
Book Value / Share	4.91	5.64	6.58	7.55	8.79	9.26	10.76	12.1	14.03	15.17
NII Growth	15.87%	14.92%	14.57%	12.08%	18.54%	9.14%	5.54%	-16.73%	17.93%	32.74%
Dividend Payout	17.16%	10.59%	11.65%	11.95%	10.15%	9.41%	7.12%	13.08%	14.37%	8.13%

GCBC SEC Filings & Documents

Greene County Bancorp, Inc. (GCBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 22, 2026·SEC

Material company update

Apr 22, 2026·SEC

Material company update

Apr 15, 2026·SEC

10-K Annual Reports

FY 2025

Sep 5, 2025·SEC

FY 2024

Sep 6, 2024·SEC

FY 2023

Sep 8, 2023·SEC

10-Q Quarterly Reports

FY 2026

Feb 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

May 9, 2025·SEC

GCBC Frequently Asked Questions

Greene County Bancorp, Inc. (GCBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Greene County Bancorp, Inc. (GCBC) grew revenue by 13.1% over the past year. This is steady growth.

Yes, Greene County Bancorp, Inc. (GCBC) is profitable, generating $36.5M in net income for fiscal year 2025 (23.4% net margin).

Dividend & Returns

Yes, Greene County Bancorp, Inc. (GCBC) pays a dividend with a yield of 0.89%. This makes it attractive for income-focused investors.

Greene County Bancorp, Inc. (GCBC) has a return on equity (ROE) of 14.0%. This is reasonable for most industries.

Industry Metrics

Greene County Bancorp, Inc. (GCBC) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.

Greene County Bancorp, Inc. (GCBC) has an efficiency ratio of 29.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GCBC back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →

How much would $100/month in GCBC be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 22, 2026

$0.62

$36M

Q1 2026

Jan 21, 2026

$0.60

$37M

Q4 2025

Oct 21, 2025

$0.52

$36M

Q4 2025

Sep 5, 2025

$0.55

$35M

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Net Interest Income

30.38M

34.91M

40M

44.83M

53.15M

58.01M

61.22M

50.98M

60.12M

69.5M

NII Growth %

15.87%

14.92%

14.57%

12.08%

18.54%

9.14%

5.54%

-16.73%

17.93%

130.64%

Net Interest Margin %

3.09%

3.03%

3.15%

2.67%

2.42%

2.26%

2.27%

1.8%

1.98%

2.21%

Interest Income

33.46M

38.93M

46.31M

53.31M

58.33M

63.44M

84.63M

103.66M

117.7M

125.64M

Interest Expense

3.08M

4.01M

6.31M

8.48M

5.18M

5.44M

23.41M

52.69M

57.58M

56.14M

Loan Loss Provision

1.91M

1.53M

1.66M

3.9M

3.97M

3.28M

-1.07M

766K

1.32M

1.66M

Non-Interest Income

6.42M

7.48M

8.36M

8.65M

9.67M

12.14M

12.15M

13.91M

15.23M

14.76M

Non-Interest Income %

16.11%

16.12%

15.29%

13.96%

14.22%

16.06%

12.55%

11.83%

11.46%

10.51%

Total Revenue

39.88M▲ 0%

46.41M▲ 16.4%

54.67M▲ 17.8%

61.96M▲ 13.3%

68M▲ 9.7%

75.58M▲ 11.2%

96.77M▲ 28.0%

117.57M▲ 21.5%

132.94M▲ 13.1%

140.4M▲ 0%

Revenue Growth %

14.72%

16.36%

17.8%

13.34%

9.73%

11.16%

28.04%

21.5%

13.07%

48.33%

Non-Interest Expense

19.97M

22.36M

25.68M

27.82M

31.22M

33.96M

38.61M

37.3M

39.37M

40.96M

Efficiency Ratio

50.06%

48.18%

46.97%

44.9%

45.92%

44.93%

39.9%

31.73%

29.62%

29.17%

Operating Income

14.93M▲ 0%

18.5M▲ 23.9%

21.03M▲ 13.6%

21.76M▲ 3.5%

27.61M▲ 26.9%

32.91M▲ 19.2%

35.83M▲ 8.9%

26.82M▼ 25.1%

34.67M▲ 29.3%

41.64M▲ 0%

Operating Margin %

37.43%

39.87%

38.46%

35.11%

40.61%

43.54%

37.02%

22.81%

26.08%

29.66%

Operating Income Growth %

28.23%

23.95%

13.64%

3.47%

26.93%

19.16%

8.88%

-25.14%

29.26%

Pretax Income

14.93M▲ 0%

18.5M▲ 23.9%

21.03M▲ 13.6%

21.76M▲ 3.5%

27.61M▲ 26.9%

32.91M▲ 19.2%

35.83M▲ 8.9%

26.82M▼ 25.1%

34.67M▲ 29.3%

41.64M▲ 0%

Pretax Margin %

37.43%

39.87%

38.46%

35.11%

40.61%

43.54%

37.02%

22.81%

26.08%

29.66%

Income Tax

3.74M

4.09M

3.54M

3.03M

3.67M

4.92M

5.04M

2.05M

3.53M

5.09M

Effective Tax Rate %

25.06%

22.13%

16.85%

13.92%

13.3%

14.95%

14.07%

7.64%

10.18%

12.23%

Net Income

11.19M▲ 0%

14.41M▲ 28.8%

17.48M▲ 21.3%

18.73M▲ 7.1%

23.94M▲ 27.8%

27.99M▲ 16.9%

30.79M▲ 10.0%

24.77M▼ 19.5%

31.14M▲ 25.7%

36.55M▲ 0%

Net Margin %

28.05%

31.05%

31.98%

30.22%

35.21%

37.03%

31.81%

21.07%

23.42%

26.03%

Net Income Growth %

24.81%

28.79%

21.35%

7.11%

27.85%

16.89%

10%

-19.54%

25.71%

38.74%

Net Income (Continuing)

11.19M

14.41M

17.48M

18.73M

23.94M

27.99M

30.79M

24.77M

31.14M

36.55M

EPS (Diluted)

0.66▲ 0%

0.85▲ 28.8%

1.02▲ 20.0%

1.10▲ 7.8%

1.41▲ 28.2%

1.65▲ 17.0%

1.81▲ 9.7%

1.45▼ 19.9%

1.83▲ 26.2%

2.15▲ 0%

EPS Growth %

24.53%

28.79%

20%

7.84%

28.18%

17.02%

9.7%

-19.89%

26.21%

38.06%

EPS (Basic)

0.66

0.85

1.02

1.10

1.41

1.65

1.81

1.45

1.83

Diluted Shares Outstanding

17.03M

17.07M

17.08M

17.06M

17.03M

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Cash & Short Term Investments

109.91M

149.69M

155.14M

271.24M

545.22M

481.18M

482.15M

543.23M

504.34M

1.87B

Cash & Due from Banks

18.42M

28.89M

32.41M

44.53M

154.33M

73.12M

201.02M

193.23M

184.5M

8.8M

Short Term Investments

91.48M

120.81M

122.73M

226.71M

390.89M

408.06M

281.13M

350M

319.84M

411.59M

Total Investments

939.5M

1.1B

1.21B

1.6B

1.97B

2.4B

2.52B

2.74B

2.89B

Investments Growth %

13.49%

17.08%

10.27%

32.25%

23.06%

21.55%

-0.17%

5.24%

8.69%

35.21%

Long-Term Investments

848.02M

979.2M

1.09B

1.38B

1.58B

1.99B

2.11B

2.17B

2.42B

9.81B

Accounts Receivables

4.03M

5.06M

5.85M

8.21M

7.78M

8.92M

12.25M

14.27M

16.38M

1.68B

Goodwill & Intangibles

Goodwill

Intangible Assets

PP&E (Net)

13.62M

13.3M

13.26M

13.66M

14.14M

14.36M

15.03M

15.61M

15.23M

15.29M

Other Assets

2.93M

1.66M

1.81M

1.23M

41.58M

60.57M

57.05M

81.78M

84.62M

-2.5B

Total Current Assets

117.73M

157.31M

164.2M

284.47M

561.45M

505.33M

511.88M

557.5M

520.73M

2.1B

Total Non-Current Assets

864.56M

994.17M

1.11B

1.39B

1.64B

2.07B

2.19B

2.27B

2.52B

15.29M

Total Assets

982.29M▲ 0%

1.15B▲ 17.2%

1.27B▲ 10.2%

1.68B▲ 32.1%

2.2B▲ 31.2%

2.57B▲ 16.9%

2.7B▲ 4.9%

2.83B▲ 4.7%

3.04B▲ 7.6%

3.15B▲ 0%

Asset Growth %

13.07%

17.22%

10.25%

32.09%

31.22%

16.88%

4.92%

4.73%

7.6%

24.86%

Return on Assets (ROA)

1.21%

1.35%

1.44%

1.27%

1.23%

1.17%

0.9%

1.06%

1.19%

Accounts Payable

28.41M

28.34M

Total Debt

29.55M

18.15M

21.6M

25.48M

22.64M

173.01M

49.49M

199.14M

128.06M

214.12M

Net Debt

11.13M

-10.74M

-10.81M

-19.05M

-131.68M

99.89M

-151.53M

5.91M

-56.45M

205.32M

Long-Term Debt

22.65M

18.15M

13.6M

7.6M

19.64M

49.31M

49.49M

83.84M

54.06M

34.12M

Short-Term Debt

6.9M

17.88M

123.7M

455K

115.3M

74M

180M

Other Liabilities

2.03B

2.47B

31.43M

33.88M

2.67B

Total Current Liabilities

876.12M

1.04B

1.14B

1.54B

2.03B

2.36B

2.47B

2.5B

2.71B

180M

Total Non-Current Liabilities

22.65M

18.15M

13.6M

7.6M

2.05B

49.31M

2.52B

115.27M

87.94M

2.71B

Total Liabilities

898.77M

1.06B

1.16B

1.55B

2.05B

2.41B

2.52B

2.62B

2.8B

2.89B

Total Equity

83.52M▲ 0%

96.19M▲ 15.2%

112.37M▲ 16.8%

128.81M▲ 14.6%

149.58M▲ 16.1%

157.71M▲ 5.4%

183.28M▲ 16.2%

206M▲ 12.4%

238.84M▲ 15.9%

258.27M▲ 0%

Equity Growth %

12.41%

15.17%

16.82%

14.63%

16.13%

5.44%

16.21%

12.39%

15.94%

63.9%

Equity / Assets (Capital Ratio)

8.5%

8.35%

8.85%

7.68%

6.8%

6.13%

6.79%

7.29%

7.85%

8.21%

Return on Equity (ROE)

14.18%

16.03%

16.77%

15.53%

17.2%

18.21%

18.06%

12.73%

14%

15%

Book Value per Share

4.91

5.64

6.58

7.55

8.79

9.26

10.76

12.10

14.03

15.17

Tangible BV per Share

4.91

5.64

6.58

7.55

8.79

9.26

10.76

12.10

14.03

15.17

Common Stock

861K

1.72M

Additional Paid-in Capital

10.99M

11.02M

10.16M

Retained Earnings

73.07M

86.21M

101.77M

118.26M

139.78M

165.13M

193.72M

214.74M

241.4M

259M

Accumulated OCI

-992K

-1.62M

-1.01M

-428K

-1.16M

-18.38M

-21.41M

-19.71M

-13.54M

-11.7M

Treasury Stock

-410K

-277K

-908K

Preferred Stock

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Cash from Operations

14.05M

20.67M

21.63M

26.72M

27.75M

35.35M

28.11M

24.91M

27.98M

33.9M

Operating CF Growth %

3.44%

47.15%

4.61%

23.57%

3.85%

27.39%

-20.49%

-11.39%

12.33%

294.54%

Net Income

11.19M

14.41M

17.48M

18.73M

23.94M

27.99M

30.79M

24.77M

31.14M

36.55M

Depreciation & Amortization

637K

635K

638K

713K

775K

826K

871K

928K

1.06M

820K

Deferred Taxes

-259K

56K

-967K

-1.03M

-2.02M

-682K

-149K

-74K

-706K

1.07M

Other Non-Cash Items

3.21M

2.6M

2.46M

5.61M

3.32M

2.23M

666K

-624K

-370K

-2.56M

Working Capital Changes

-732K

2.98M

2.01M

2.7M

1.75M

4.99M

-4.06M

-91K

-3.15M

-1.99M

Cash from Investing

-115.76M

-163.38M

-115.34M

-397.32M

-417.14M

-471.18M

661K

-129.24M

-210.17M

-210.18M

Purchase of Investments

-115.3M

-183.29M

-191.32M

-391.49M

-626.64M

-669.21M

-211.96M

-329.59M

-444.16M

-629.54M

Sale/Maturity of Investments

103.22M

101.45M

160.71M

208.08M

344.05M

359.77M

367.27M

298.17M

360.16M

561.4M

Net Investment Activity

-12.08M

-81.84M

-30.62M

-183.41M

-282.59M

-309.44M

155.31M

-31.42M

-84M

-68.14M

Acquisitions

Other Investing

-103.61M

-81.21M

-84.13M

-212.79M

-133.29M

-160.69M

-153.12M

-96.31M

-125.47M

-134.72M

Cash from Financing

102.1M

152.93M

96.75M

381.52M

498.7M

355.06M

98.67M

98.28M

174.87M

133.92M

Dividends Paid

-1.92M

-1.53M

-2.04M

-2.24M

-2.43M

-2.63M

-2.19M

-3.24M

-4.47M

-2.97M

Share Repurchases

-631K

Stock Issued

Net Stock Activity

-631K

Debt Issuance (Net)

-1000K

1000K

-1000K

1000K

-1000K

1000K

-1000K

Other Financing

120.87M

165.86M

95.33M

380.51M

504.03M

207.5M

224.56M

-47.94M

250.61M

173.78M

Net Change in Cash

382K▲ 0%

10.23M▲ 2577.2%

3.03M▼ 70.3%

10.93M▲ 260.1%

109.31M▲ 900.6%

-80.77M▼ 173.9%

127.44M▲ 257.8%

-6.05M▼ 104.7%

-7.32M▼ 20.9%

-11.88M▲ 0%

Exchange Rate Effect

30.48M

Cash at Beginning

15.89M

16.28M

26.5M

29.54M

40.46M

149.78M

69.01M

196.44M

190.4M

Cash at End

16.28M

26.5M

29.54M

40.46M

149.78M

69.01M

196.44M

190.4M

183.08M

Interest Paid

3.06M

4.02M

6.29M

8.47M

4.96M

5.18M

23.07M

52.07M

57.86M

42.16M

Income Taxes Paid

5.56M

2.33M

4.4M

3.12M

6.3M

5.6M

6.31M

1.8M

1.17M

-393K

Free Cash Flow

13.97M▲ 0%

20.35M▲ 45.6%

21.04M▲ 3.4%

25.61M▲ 21.7%

26.5M▲ 3.5%

34.3M▲ 29.5%

26.57M▼ 22.5%

23.4M▼ 11.9%

27.29M▲ 16.6%

32.93M▲ 0%

FCF Growth %

5.12%

45.63%

3.38%

21.73%

3.48%

29.45%

-22.54%

-11.93%

16.6%

43.72%

Metric

2017

2018

2019

2020

2021

2022

2023

2024

2025

TTM

Return on Equity (ROE)

14.18%

16.03%

16.77%

15.53%

17.2%

18.21%

18.06%

12.73%

14%

15%

Return on Assets (ROA)

1.21%

1.35%

1.44%

1.27%

1.23%

1.17%

0.9%

1.06%

1.19%

Net Interest Margin

3.09%

3.03%

3.15%

2.67%

2.42%

2.26%

2.27%

1.8%

1.98%

2.21%

Efficiency Ratio

50.06%

48.18%

46.97%

44.9%

45.92%

44.93%

39.9%

31.73%

29.62%

29.17%

Equity / Assets

8.5%

8.35%

8.85%

7.68%

6.8%

6.13%

6.79%

7.29%

7.85%

8.21%

Book Value / Share

4.91

5.64

6.58

7.55

8.79

9.26

10.76

12.1

14.03

15.17

NII Growth

15.87%

14.92%

14.57%

12.08%

18.54%

9.14%

5.54%

-16.73%

17.93%

32.74%

Dividend Payout

17.16%

10.59%

11.65%

11.95%

10.15%

9.41%

7.12%

13.08%

14.37%

8.13%

Greene County Bancorp, Inc.(GCBC)Earnings, Financials & Key Ratios

GCBC Key Insights

✓Strengths

✗Weaknesses

GCBC Price & Volume

GCBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

GCBC Recent Earnings

GCBC Peer Comparison

Compare GCBC vs Peers

vs CZWI

vs FIS

Compare Top 5

GCBC Income Statement

GCBC Balance Sheet

GCBC Cash Flow Statement

GCBC Banking Ratios

GCBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

GCBC Frequently Asked Questions

Greene County Bancorp, Inc.(GCBC)Earnings, Financials & Key Ratios

GCBC Key Insights

✓Strengths

✗Weaknesses

GCBC Price & Volume

GCBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

GCBC Recent Earnings

GCBC Peer Comparison

Compare GCBC vs Peers

vs CZWI

vs FIS

Compare Top 5

GCBC Income Statement

GCBC Balance Sheet

GCBC Cash Flow Statement

GCBC Banking Ratios

GCBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

GCBC Frequently Asked Questions