Greene County Bancorp, Inc. (GCBC) Earnings History
Annual and quarterly earnings data from 1998 to 2025
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GCBC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
GCBC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 55.7% | 26.1% | 23.4% |
| 2024 | 54.5% | 22.8% | 21.1% |
| 2023 | 76.9% | 37.0% | 31.8% |
| 2022 | 88.5% | 43.5% | 37.0% |
| 2021 | 86.5% | 40.6% | 35.2% |
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Greene County Bancorp, Inc. (GCBC) Earnings Overview
As of May 8, 2026, Greene County Bancorp, Inc. (GCBC) reported trailing twelve-month net income of $37M, reflecting +26.2% year-over-year growth. The company earned $2.15 per diluted share over the past four quarters, with a net profit margin of 23.4%.
Looking at the long-term picture, GCBC's 5-year EPS compound annual growth rate (CAGR) stands at +10.7%, showing solid earnings momentum. The company achieved its highest annual net income of $31M in fiscal 2025, representing a new all-time high.
Greene County Bancorp, Inc. maintains industry-leading profitability with a gross margin of 55.7%, operating margin of 26.1%, and net margin of 23.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), NBTB ($169M net income, 19.5% margin), GCBC has outperformed on profitability metrics. Compare GCBC vs CZWI →
GCBC Earnings vs Peers
Earnings metrics vs comparable public companies
GCBC Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $31M | +25.7% | $35M | $1.83 | 23.4% | 26.1% |
| 2024 | $25M | -19.5% | $27M | $1.45 | 21.1% | 22.8% |
| 2023 | $31M | +10.0% | $36M | $1.81 | 31.8% | 37.0% |
| 2022 | $28M | +16.9% | $33M | $1.65 | 37.0% | 43.5% |
| 2021 | $24M | +27.8% | $28M | $1.41 | 35.2% | 40.6% |
| 2020 | $19M | +7.1% | $22M | $1.10 | 30.2% | 35.1% |
| 2019 | $17M | +21.3% | $21M | $1.02 | 32.0% | 38.5% |
| 2018 | $14M | +28.8% | $19M | $0.85 | 31.0% | 39.9% |
| 2017 | $11M | +24.8% | $15M | $0.66 | 28.0% | 37.4% |
| 2016 | $9M | +24.7% | $12M | $0.53 | 25.8% | 33.5% |
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Start ComparisonGCBC — Frequently Asked Questions
Quick answers to the most common questions about buying GCBC stock.
Is GCBC growing earnings?
GCBC EPS is $2.15, with earnings growth accelerating to +26.2%. This exceeds the 5-year CAGR of +10.7%. TTM net income reached $37M.
What are GCBC's profit margins?
Greene County Bancorp, Inc. net margin is +23.4%, with operating margin at +26.1%. Above-average margins indicate pricing power.
How consistent are GCBC's earnings?
GCBC earnings data spans 1998-2025. The accelerating earnings trend is +26.2% YoY. Historical data enables comparison across business cycles.