Greene County Bancorp Inc (GCBC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 9, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GCBC SEC filings page.
Greene County Bancorp Inc (GCBC) reported $92.6M in revenue for fiscal year 2026, up 22.9% from the prior fiscal year. This page shows its 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).
Profitability recovered while balance-sheet leverage eased, with nearly all reported operating cash flow converting into free cash flow.
From FY2024 to FY2026, return on assets improved from0.9% to1.3% as net income increased from$24.8M to$41.0M , while debt-to-equity fell from 12.7x to 10.5x. That combination indicates the larger asset base was producing more earnings per unit of assets even as the balance sheet remained heavily liability-funded.
Cash conversion is unusually close to accounting profit: FY2026 operating cash flow was
The earnings pattern is cyclical rather than one-directional: net income fell to
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Greene County Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Greene County Bancorp Inc earned a return on assets of 1.3% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and Greene County Bancorp Inc scores 69/100 among other banks.
Greene County Bancorp Inc reported revenue of $92.6M in fiscal year 2026, against $75.4M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Greene County Bancorp Inc scores 78/100 among other banks.
Greene County Bancorp Inc funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2026, holding $277.8M of equity against $3.2B of assets. Capital ranks banks on that cushion, and Greene County Bancorp Inc scores 16/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Greene County Bancorp Inc scores 88/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Greene County Bancorp Inc scores 71/100 on it among other banks.
Greene County Bancorp Inc reported net income of $41.0M in fiscal year 2026, against $31.1M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Greene County Bancorp Inc scores 66/100 among other banks.
Greene County Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Greene County Bancorp Inc generates $1.03 in operating cash flow ($42.3M OCF vs $41.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Greene County Bancorp Inc generated $25.0M in revenue in Q4 2026. This represents an increase of 22.0% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.
Greene County Bancorp Inc reported $11.3M in net income in Q4 2026. This represents an increase of 21.5% from the same quarter a year earlier. Against the prior quarter it is up 7.8%.
Greene County Bancorp Inc earned $0.67 per diluted share (EPS) in Q4 2026. This represents an increase of 21.8% from the same quarter a year earlier. Against the prior quarter it is up 8.1%.
Not reported for Q4 2026.
Cash & Balance Sheet
Greene County Bancorp Inc generated $18.1M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 40.5% from the same quarter a year earlier. Against the prior quarter it is up 70.1%.
Greene County Bancorp Inc held $144.9M in cash as of Q4 2026; long-term debt is not reported for that period.
Not reported for Q4 2026.
Margins & Returns
Greene County Bancorp Inc's net profit margin was 45.4% in Q4 2026, showing the share of revenue converted to profit. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.4 percentage points.
Greene County Bancorp Inc's ROE was 4.1% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
Greene County Bancorp Inc invested $117K in capex in Q4 2026, funding long-term assets and infrastructure. This represents a decrease of 61.6% from the same quarter a year earlier. Against the prior quarter it is up 800.0%.
Not reported for Q4 2026.
Not reported for Q4 2026.
GCBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.0M+22.0% | $23.9M+19.0% | $22.2M+23.8% | $21.5M+27.5% | $20.5M+23.5% | $20.1M+27.8% | $17.9M+13.1% | $16.9M+0.8% |
| SG&A Expenses | $7.6M+12.9% | $6.8M+9.5% | $6.2M+10.1% | $6.2M+4.7% | $6.7M+1.5% | $6.2M+1.5% | $5.7M0.0% | $5.9M+7.0% |
| Interest Expense | $12.3M-12.5% | $12.4M-8.7% | $14.4M-5.9% | $14.1M-3.6% | $14.0M-3.0% | $13.6M-1.5% | $15.3M+16.2% | $14.6M+30.3% |
| Income Tax | $1.6M-2.1% | $1.6M+84.6% | $1.3M+114.8% | $1.3M+207.9% | $1.6M+1557.1% | $887K+175.5% | $589K-11.2% | $428K-55.7% |
| Net Income | $11.3M+21.5% | $10.5M+30.6% | $10.3M+37.4% | $8.9M+41.7% | $9.3M+38.6% | $8.1M+37.4% | $7.5M+31.2% | $6.3M-3.2% |
| EPS (Basic) | $0.67+21.8% | $0.62+31.9% | $0.60+36.4% | $0.52+40.5% | $0.55+41.0% | $0.47+38.2% | $0.44+29.4% | $0.37-2.6% |
| EPS (Diluted) | $0.67+21.8% | $0.62+31.9% | $0.60+36.4% | $0.52+40.5% | $0.55+41.0% | $0.47+38.2% | $0.44+29.4% | $0.37-2.6% |
| Diluted Shares (Avg) | N/A | 17M0.0% | 17M0.0% | 17M0.0% | N/A | 17M0.0% | 17M0.0% | 17M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
GCBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.2B+4.7% | $3.2B+5.8% | $3.1B+6.1% | $3.1B+6.4% | $3.0B+7.6% | $3.0B+4.8% | $3.0B+8.4% | $2.9B+6.9% |
| Cash & Equivalents | $144.9M-20.9% | $139.4M-10.3% | $124.1M-25.4% | $154.6M-27.6% | $183.1M-3.8% | $155.5M-39.2% | $166.4M-5.5% | $213.5M+63.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $2.9B+3.7% | $2.9B+4.8% | $2.9B+5.1% | $2.8B+5.7% | $2.8B+6.9% | $2.8B+4.0% | $2.7B+8.1% | $2.7B+6.2% |
| Total Equity | $277.8M+16.3% | $267.6M+16.8% | $258.3M+18.2% | $248.2M+14.7% | $238.8M+15.9% | $229.0M+15.0% | $218.4M+11.9% | $216.3M+17.4% |
| Retained Earnings | $278.4M+15.3% | $267.8M+15.1% | $259.0M+14.9% | $249.5M+13.7% | $241.4M+12.4% | $232.8M+11.6% | $225.4M+10.8% | $219.5M+10.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
GCBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.3M+38.1% | $10.7M+46.1% | $6.4M+21.1% | $7.0M+223.3% | $13.2M+19.4% | $7.3M+30.8% | $5.3M+165.2% | $2.1M-65.6% |
| Capital Expenditures | $117K-61.6% | $13K-75.0% | $209K+15.5% | $402K+162.7% | $305K+54.0% | $52K-92.2% | $181K+6.5% | $153K-67.7% |
| Free Cash Flow | $18.1M+40.5% | $10.7M+46.9% | $6.2M+21.3% | $6.5M+227.9% | $12.9M+18.8% | $7.3M+47.4% | $5.1M+180.0% | $2.0M-65.5% |
| Investing Cash Flow | -$604K+85.0% | -$18.3M+61.9% | -$114.0M+18.9% | -$44.0M-151.3% | -$4.0M+81.1% | -$48.1M+11.3% | -$140.5M-2855.6% | -$17.5M+70.2% |
| Financing Cash Flow | -$12.2M-166.2% | $23.0M-23.0% | $77.1M-12.6% | $8.6M-77.7% | $18.4M+133.3% | $29.9M-76.7% | $88.1M+127.6% | $38.4M+381.3% |
| Dividends Paid | $781K+11.1% | $1.7M+142.5% | $785K-48.9% | $781K-49.1% | $703K+12.7% | $702K+12.3% | $1.5M+144.4% | $1.5M+12.6% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.
GCBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 45.4%-0.2pp | 44.0%+3.9pp | 46.3%+4.6pp | 41.2%+4.1pp | 45.6%+5.0pp | 40.1%+2.8pp | 41.7%+5.8pp | 37.1%-1.5pp |
| Return on Equity | 4.1%+0.2pp | 3.9%+0.4pp | 4.0%+0.6pp | 3.6%+0.7pp | 3.9%+0.6pp | 3.5%+0.6pp | 3.4%+0.5pp | 2.9%-0.6pp |
| Return on Assets | 0.4%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.2%0.0pp |
| Debt-to-Equity | 10.46-1.3x | 10.89-1.2x | 11.19-1.4x | 11.32-1.0x | 11.73-1.0x | 12.13-1.3x | 12.58-0.4x | 12.29-1.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 72.6%+9.5pp | 44.6%+8.5pp | 28.0%-0.6pp | 30.4%+18.6pp | 63.1%-2.5pp | 36.1%+4.8pp | 28.6%+17.0pp | 11.8%-22.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Greene County Bancorp Inc GCBC | FY2026 | $92.6M | $41.0M | 44.3% | $581.6M | 65/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $523.2M | 37/100 |
| ACNB Corp ACNB | FY2025 | $191.8M | $37.1M | 19.3% | $637.8M | 67/100 |
| Red River Bancshares, Inc. RRBI | FY2025 | $125.5M | $42.8M | 34.1% | $659.9M | 55/100 |
| Bank of Marin Bancorp BMRC | FY2025 | $29.4M | $26.5M | 90.0% | $426.5M | 17/100 |
| Home Bancorp, Inc. HBCP | FY2025 | $148.7M | $46.1M | 31.0% | $517.5M | 52/100 |
Where Greene County Bancorp Inc Ranks
Frequently Asked Questions
What is Greene County Bancorp Inc's annual revenue?
Greene County Bancorp Inc (GCBC) reported $92.6M in total revenue for fiscal year 2026. This represents a 22.9% 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 County Bancorp Inc's revenue growing?
Greene County Bancorp Inc (GCBC) revenue grew by 22.9% year-over-year, from $75.4M to $92.6M in fiscal year 2026.
Is Greene County Bancorp Inc profitable?
Yes, Greene County Bancorp Inc (GCBC) reported a net income of $41.0M in fiscal year 2026, with a net profit margin of 44.3%.
What is Greene County Bancorp Inc's net profit margin?
Greene County Bancorp Inc (GCBC) had a net profit margin of 44.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does Greene County Bancorp Inc pay dividends?
Yes, Greene County Bancorp Inc (GCBC) paid $0.40 per share in dividends during fiscal year 2026.
What is Greene County Bancorp Inc's return on equity (ROE)?
Greene County Bancorp Inc (GCBC) has a return on equity of 14.8% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Greene County Bancorp Inc's free cash flow?
Greene County Bancorp Inc (GCBC) generated $41.6M in free cash flow during fiscal year 2026. This represents a 52.3% 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 County Bancorp Inc's operating cash flow?
Greene County Bancorp Inc (GCBC) generated $42.3M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Greene County Bancorp Inc's total assets?
Greene County Bancorp Inc (GCBC) had $3.2B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Greene County Bancorp Inc's capital expenditures?
Greene County Bancorp Inc (GCBC) invested $741K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Greene County Bancorp Inc's debt-to-equity ratio?
Greene County Bancorp Inc (GCBC) had a debt-to-equity ratio of 10.46 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Greene County Bancorp Inc's return on assets (ROA)?
Greene County Bancorp Inc (GCBC) had a return on assets of 1.3% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Greene County Bancorp Inc's P/E ratio?
Greene County Bancorp Inc (GCBC) trades at 14.2x earnings, its market capitalization divided by net income of $41.0M net income, FY2026. The market capitalization is $581.6M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Greene County Bancorp Inc's price-to-sales ratio?
Greene County Bancorp Inc (GCBC) trades at 6.3x sales, its market capitalization divided by revenue of $92.6M revenue, FY2026. The market capitalization is $581.6M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Greene County Bancorp Inc's Piotroski F-Score?
Greene County Bancorp Inc (GCBC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Greene County Bancorp Inc's earnings high quality?
Greene County Bancorp Inc (GCBC) has an earnings quality ratio of 1.03x, considered cash-backed (high 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 County Bancorp Inc?
Greene County Bancorp Inc (GCBC) scores 65 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.