GCBC · Greene County Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $12.16M | $11.56M | $10.19M | $8.08M | $8.94M | $6.69M | $6.37M | $6.18M | $7.44M | $8.62M |
| Interest Expense | - | - | - | - | - | - | $13.21M | $13.78M | $11.23M | $4.61M |
| Income Tax | $1.64M | $1.26M | $1.32M | $589.0K | $887.0K | $428.0K | $663.0K | $322.0K | $967.0K | $1.43M |
| Net Income | $10.52M | $10.29M | $8.87M | $7.49M | $8.05M | $6.26M | $5.71M | $5.86M | $6.47M | $7.20M |
| EPS - Basic | $0.62 | $0.60 | $0.52 | $0.44 | $0.47 | $0.37 | $0.34 | $0.34 | $0.38 | $0.85 |
| EPS - Diluted | $0.62 | $0.60 | $0.52 | $0.44 | $0.47 | $0.37 | $0.34 | $0.34 | $0.38 | $0.85 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $139.45M | $124.09M | $154.57M | $190.40M | $155.48M | $213.47M | $190.40M | $255.82M | $130.25M | $196.44M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.18B | $3.15B | $3.06B | $3.04B | $3.01B | $2.87B | $2.83B | $2.87B | $2.69B | $2.70B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | $0 |
| Total Liabilities | $2.91B | $2.89B | $2.81B | $2.80B | $2.78B | $2.66B | $2.62B | $2.67B | $2.50B | $2.52B |
| Stockholders' Equity | $267.59M | $258.27M | $248.18M | $238.84M | $229.04M | $216.30M | $206.00M | $199.19M | $184.17M | $183.28M |
| Retained Earnings | $267.82M | $259.00M | $249.49M | $241.40M | $232.77M | $219.47M | $214.74M | $208.63M | $198.32M | $193.72M |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $6.95M | - | - | $2.15M | - | - | $6.26M | - |
| Investing Cash Flow | - | - | ($44.03M) | - | - | ($17.52M) | - | - | ($58.78M) | - |
| Financing Cash Flow | - | - | $8.57M | - | - | $38.44M | - | - | ($13.67M) | - |
| CapEx | - | - | $402.0K | - | - | $153.0K | - | - | $474.0K | - |
| Free Cash Flow | - | - | $6.55M | - | - | $2.00M | - | - | $5.78M | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 0.74 | - | - | 0.32 | - | - | 0.89 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 13.5% | 10.9% | 12.9% | 7.3% | 9.9% | 6.4% | 10.4% | 5.2% | 13.0% | 16.5% |
| Return on assets | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| Return on equity | 3.9% | 4.0% | 3.6% | 3.1% | 3.5% | 2.9% | 2.8% | 2.9% | 3.5% | 3.9% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | 3.9% |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | 0.00 |
| Debt / Assets | - | - | - | - | - | - | - | - | - | 0.00 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 0.5x | 0.4x | 0.7x | 1.9x |
| Equity multiplier | 11.89 | 12.18 | 12.32 | 12.73 | 13.13 | 13.29 | 13.72 | 14.42 | 14.60 | 14.72 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.93 | 0.93 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 36.1x | 37.1x | 43.5x | 50.5x | 51.3x | 83.5x | 99.1x | 84.7x | 63.3x | 35.1x |
| P / B | 1.4x | 1.5x | 1.6x | 1.6x | 1.8x | 2.4x | 2.8x | 2.5x | 2.2x | 1.4x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 36.0% | 43.0% | 52.3% | 26.8% | 44.6% | -10.0% | -26.1% | -34.0% | -30.1% | 19.7% |
| Net income growth (YoY) | 30.6% | 37.4% | 41.7% | 31.2% | 37.4% | -3.2% | -20.7% | -27.6% | -28.4% | 4.7% |
| EPS growth (YoY) | 31.9% | 36.4% | 40.5% | 29.4% | 38.2% | -2.6% | -60.0% | -29.2% | -64.2% | 4.9% |
| EPS CAGR (3y) | 8.9% | -11.0% | -21.1% | -18.4% | -17.6% | -23.9% | -22.5% | -18.1% | -12.6% | 12.3% |
| EPS CAGR (5y) | 0.0% | -3.8% | -1.8% | -6.0% | 0.0% | -8.3% | -8.8% | -7.8% | -5.7% | 14.6% |
| FCF growth (YoY) | - | - | 227.9% | - | - | -65.5% | - | - | 36.2% | - |
| FCF CAGR (5y) | - | - | 6.0% | - | - | -18.5% | - | - | 15.7% | - |
| Book value growth (YoY) | 16.8% | 8.1% | 14.7% | 15.9% | 15.0% | 17.4% | 12.4% | 11.5% | 15.4% | 16.2% |
Peer comparison
Same SIC group: Savings Institutions, Not Federally Chartered
Comparing GREENE COUNTY BANCORP INC against the 5 most active filers in the same SIC group.
Dividends
$0.40/share trailing 12 months · +11.1% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.1000 |
| Feb 13, 2026 | $0.1000 |
| Nov 14, 2025 | $0.1000 |
| Aug 15, 2025 | $0.1000 |
| May 16, 2025 | $0.0900 |
| Feb 14, 2025 | $0.0900 |
| Nov 15, 2024 | $0.0900 |
| Aug 15, 2024 | $0.0900 |
| May 14, 2024 | $0.0800 |
| Feb 14, 2024 | $0.0800 |
| Nov 14, 2023 | $0.0800 |
| Aug 11, 2023 | $0.0800 |
| May 12, 2023 | $0.0700 |
| Feb 10, 2023 | $0.0700 |
| Nov 14, 2022 | $0.0700 |
| Aug 12, 2022 | $0.0700 |
| May 12, 2022 | $0.0650 |
| Feb 14, 2022 | $0.0650 |
| Nov 12, 2021 | $0.0650 |
| Aug 13, 2021 | $0.0650 |
| May 13, 2021 | $0.0600 |
| Feb 11, 2021 | $0.0600 |
| Nov 12, 2020 | $0.0600 |
| Aug 13, 2020 | $0.0600 |