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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $34.67M | $26.82M | $35.83M | $27.61M | $27.61M | $21.76M |
| Interest Expense | - | - | $23.41M | $5.44M | $5.18M | $8.48M |
| Income Tax | $3.53M | $2.05M | $5.04M | $4.92M | $3.67M | $3.03M |
| Net Income | $31.14M | $24.77M | $30.79M | $27.99M | $23.94M | $18.73M |
| EPS - Basic | $1.83 | $1.45 | $1.81 | $1.65 | $1.41 | $1.10 |
| EPS - Diluted | $1.83 | $1.45 | $1.81 | $1.65 | $1.41 | $1.10 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $183.08M | $190.40M | $196.44M | $69.01M | $149.78M | $40.46M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.04B | $2.83B | $2.70B | $2.57B | $2.20B | $1.68B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | $0 | $0 | $0 | - |
| Total Liabilities | $2.80B | $2.62B | $2.52B | $2.41B | $2.05B | $1.55B |
| Stockholders' Equity | $238.84M | $206.00M | $183.28M | $157.71M | $149.58M | $128.81M |
| Retained Earnings | $241.40M | $214.74M | $193.72M | $165.13M | $139.78M | $118.26M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $27.98M | $24.91M | $28.11M | $35.35M | $27.75M | $26.72M |
| Investing Cash Flow | ($210.17M) | ($129.24M) | $661.0K | ($471.18M) | ($417.14M) | ($397.32M) |
| Financing Cash Flow | $174.87M | $98.28M | $98.67M | $355.06M | $498.70M | $381.52M |
| CapEx | $691.0K | $1.51M | $1.54M | $1.05M | $1.25M | $1.12M |
| Free Cash Flow | $27.29M | $23.40M | $26.57M | $34.30M | $26.50M | $25.61M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.88 | 0.94 | 0.86 | 1.23 | 1.11 | 1.37 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 10.2% | 7.6% | 14.1% | 14.9% | 13.3% | 13.9% |
| Return on assets | 1.0% | 0.9% | 1.1% | 1.1% | 1.1% | 1.1% |
| Return on equity | 13.0% | 12.0% | 16.8% | 17.7% | 16.0% | 14.5% |
| Return on invested capital | - | - | 16.8% | 14.9% | 16.0% | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | 0.00 | 0.00 | 0.00 | - |
| Debt / Assets | - | - | 0.00 | 0.00 | 0.00 | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.5x | 5.1x | 5.3x | 2.6x |
| Equity multiplier | 12.73 | 13.72 | 14.72 | 16.31 | 14.71 | 13.02 |
| Liabilities / Assets | 0.92 | 0.93 | 0.93 | 0.94 | 0.93 | 0.92 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.1x | 23.2x | 16.5x | 13.8x | 10.0x | 10.1x |
| P / B | 1.6x | 2.8x | 2.8x | 1.2x | 0.8x | 0.7x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 29.3% | -25.1% | 29.7% | 0.0% | 26.9% | 3.5% |
| Net income growth (YoY) | 25.7% | -19.5% | 10.0% | 16.9% | 27.8% | 7.1% |
| EPS growth (YoY) | 26.2% | -19.9% | 10.0% | 17.1% | 27.7% | -46.3% |
| EPS CAGR (3y) | 3.6% | 1.1% | 18.1% | -7.1% | -6.0% | -5.7% |
| EPS CAGR (5y) | 10.7% | -6.7% | 1.4% | 4.7% | 5.8% | -8.2% |
| FCF growth (YoY) | 16.6% | -11.9% | -22.5% | 29.5% | 3.5% | 21.7% |
| FCF CAGR (5y) | 1.3% | 2.2% | 5.5% | 20.5% | 14.8% | 16.3% |
| Book value growth (YoY) | 15.9% | 12.4% | 16.2% | 5.4% | 16.1% | 14.6% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |