Greene Cnty Bancorp Inc Financials
This page shows Greene Cnty Bancorp Inc (GCBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Greene Cnty Bancorp Inc's revenue grew 13.5% year-over-year to $117.7M, a solid pace of expansion. This earns a growth score of 67/100.
Greene Cnty Bancorp Inc has elevated debt relative to equity (D/E of 11.73), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Greene Cnty Bancorp Inc converts 23.2% of revenue into free cash flow ($27.3M). This strong cash generation earns a score of 100/100.
Greene Cnty Bancorp Inc's ROE of 13.0% shows moderate profitability relative to equity, earning a score of 52/100. This is up from 12.0% the prior year.
Greene Cnty Bancorp Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Greene Cnty Bancorp Inc generates $0.90 in operating cash flow ($28.0M OCF vs $31.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Greene Cnty Bancorp Inc generated $117.7M in revenue in fiscal year 2025. This represents an increase of 13.5% from the prior year.
Greene Cnty Bancorp Inc generated $27.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 16.6% from the prior year.
Greene Cnty Bancorp Inc reported $31.1M in net income in fiscal year 2025. This represents an increase of 25.7% from the prior year.
Greene Cnty Bancorp Inc earned $1.83 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.2% from the prior year.
Greene Cnty Bancorp Inc held $183.1M in cash against $0 in long-term debt as of fiscal year 2025.
Greene Cnty Bancorp Inc paid $0.36 per share in dividends in fiscal year 2025. This represents an increase of 12.5% from the prior year.
Greene Cnty Bancorp Inc had 17M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Greene Cnty Bancorp Inc's net profit margin was 26.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.
Greene Cnty Bancorp Inc's ROE was 13.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.
Greene Cnty Bancorp Inc invested $691K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 54.1% from the prior year.
GCBC Income Statement
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q2'25 | Q1'25 | Q2'23 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.5M+5.9% | $31.6M+6.2% | $29.8M+45.1% | $20.5M-19.8% | $25.6M+3.7% | $24.7M+56.0% | $15.8M-27.9% | $21.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $14.4M+2.4% | $14.1M+3.9% | $13.6M+194.6% | $4.6M-65.1% | $13.2M+17.6% | $11.2M+727.2% | $1.4M-79.8% | $6.7M |
| Income Tax | $1.3M-4.0% | $1.3M+48.6% | $887K-37.8% | $1.4M+114.9% | $663K-31.4% | $967K-19.2% | $1.2M-6.6% | $1.3M |
| Net Income | $10.3M+16.0% | $8.9M+10.1% | $8.1M+11.9% | $7.2M+26.1% | $5.7M-11.8% | $6.5M-5.9% | $6.9M-15.0% | $8.1M |
| EPS (Diluted) | $0.60+15.4% | $0.52+10.6% | $0.47+11.9% | $0.42+23.5% | $0.34-10.5% | $0.38-53.1% | $0.81+68.8% | $0.48 |
GCBC Balance Sheet
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q2'25 | Q1'25 | Q2'23 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.1B+2.9% | $3.1B+1.7% | $3.0B+6.4% | $2.8B+3.3% | $2.7B+1.8% | $2.7B-0.4% | $2.7B-1.1% | $2.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $124.1M-19.7% | $154.6M-0.6% | $155.5M-18.3% | $190.4M+8.1% | $176.1M+35.2% | $130.3M-33.7% | $196.4M+10.2% | $178.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.9B+2.8% | $2.8B+1.1% | $2.8B+6.1% | $2.6B+3.1% | $2.5B+1.5% | $2.5B-0.4% | $2.5B-1.4% | $2.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $0 | N/A |
| Total Equity | $258.3M+4.1% | $248.2M+8.4% | $229.0M+11.2% | $206.0M+5.5% | $195.3M+6.0% | $184.2M+0.5% | $183.3M+2.6% | $178.7M |
| Retained Earnings | $259.0M+3.8% | $249.5M+7.2% | $232.8M+8.4% | $214.7M+5.6% | $203.4M+2.6% | $198.3M+2.4% | $193.7M+3.1% | $187.8M |
GCBC Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q2'25 | Q1'25 | Q2'23 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.4M-7.5% | $7.0M-4.9% | $7.3M-34.0% | $11.1M+452.6% | $2.0M-68.0% | $6.3M-39.7% | $10.4M+35.1% | $7.7M |
| Capital Expenditures | $209K-48.0% | $402K+673.1% | $52K-73.7% | $198K+16.5% | $170K-64.1% | $474K-34.2% | $720K+140.0% | $300K |
| Free Cash Flow | $6.2M-5.0% | $6.5M-9.7% | $7.3M-33.2% | $10.9M+493.1% | $1.8M-68.3% | $5.8M-40.1% | $9.7M+30.8% | $7.4M |
| Investing Cash Flow | -$114.0M-158.8% | -$44.0M+8.5% | -$48.1M-126.2% | -$21.3M-517.5% | $5.1M+108.7% | -$58.8M-235.3% | $43.5M+293.6% | $11.0M |
| Financing Cash Flow | $77.1M+799.2% | $8.6M-71.3% | $29.9M+154.1% | -$55.2M-242.6% | $38.7M+383.3% | -$13.7M+61.7% | -$35.7M-136.1% | $98.8M |
| Dividends Paid | $785K+0.5% | $781K+11.3% | $702K+12.5% | $624K-0.8% | $629K-53.8% | $1.4M+149.5% | $546K-0.2% | $547K |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
GCBC Financial Ratios
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q2'25 | Q1'25 | Q2'23 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.7%+2.7pp | 28.1%+1.0pp | 27.1%-8.0pp | 35.1%+12.8pp | 22.3%-3.9pp | 26.2%-17.3pp | 43.5%+6.6pp | 36.9% |
| Return on Equity | 4.0%+0.4pp | 3.6%+0.1pp | 3.5%-0.8pp | 4.3%+1.4pp | 2.9%-0.6pp | 3.5%-0.8pp | 4.3%-0.2pp | 4.5% |
| Return on Assets | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%-0.0pp | 0.2%-0.1pp | 0.3%-0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 11.19-0.1 | 11.32-0.8 | 12.13-0.6 | 12.72-0.3 | 13.01-0.6 | 13.60+13.6 | 0.00-14.3 | 14.27 |
| FCF Margin | 18.6%-2.1pp | 20.7%-3.7pp | 24.4%-1.3pp | 25.7%+18.6pp | 7.2%-16.3pp | 23.4%-17.2pp | 40.7%+7.0pp | 33.7% |
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Frequently Asked Questions
What is Greene Cnty Bancorp Inc's annual revenue?
Greene Cnty Bancorp Inc (GCBC) reported $117.7M in total revenue for fiscal year 2025. This represents a 13.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Greene Cnty Bancorp Inc's revenue growing?
Greene Cnty Bancorp Inc (GCBC) revenue grew by 13.5% year-over-year, from $103.7M to $117.7M in fiscal year 2025.
Is Greene Cnty Bancorp Inc profitable?
Yes, Greene Cnty Bancorp Inc (GCBC) reported a net income of $31.1M in fiscal year 2025, with a net profit margin of 26.5%.
What is Greene Cnty Bancorp Inc's earnings per share (EPS)?
Greene Cnty Bancorp Inc (GCBC) reported diluted earnings per share of $1.83 for fiscal year 2025. This represents a 26.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Greene Cnty Bancorp Inc's net profit margin?
Greene Cnty Bancorp Inc (GCBC) had a net profit margin of 26.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Greene Cnty Bancorp Inc pay dividends?
Yes, Greene Cnty Bancorp Inc (GCBC) paid $0.36 per share in dividends during fiscal year 2025.
What is Greene Cnty Bancorp Inc's return on equity (ROE)?
Greene Cnty Bancorp Inc (GCBC) has a return on equity of 13.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Greene Cnty Bancorp Inc's free cash flow?
Greene Cnty Bancorp Inc (GCBC) generated $27.3M in free cash flow during fiscal year 2025. This represents a 16.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Greene Cnty Bancorp Inc's operating cash flow?
Greene Cnty Bancorp Inc (GCBC) generated $28.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Greene Cnty Bancorp Inc's total assets?
Greene Cnty Bancorp Inc (GCBC) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Greene Cnty Bancorp Inc's capital expenditures?
Greene Cnty Bancorp Inc (GCBC) invested $691K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Greene Cnty Bancorp Inc have outstanding?
Greene Cnty Bancorp Inc (GCBC) had 17M shares outstanding as of fiscal year 2025.
What is Greene Cnty Bancorp Inc's debt-to-equity ratio?
Greene Cnty Bancorp Inc (GCBC) had a debt-to-equity ratio of 11.73 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Greene Cnty Bancorp Inc's return on assets (ROA)?
Greene Cnty Bancorp Inc (GCBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Greene Cnty Bancorp Inc's Piotroski F-Score?
Greene Cnty Bancorp Inc (GCBC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Greene Cnty Bancorp Inc's earnings high quality?
Greene Cnty Bancorp Inc (GCBC) has an earnings quality ratio of 0.90x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Greene Cnty Bancorp Inc?
Greene Cnty Bancorp Inc (GCBC) scores 55 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.