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.

Greene Cnty Bancorp Inc Financials

GCBC

Trailing 12 months to March 31, 2026

Revenue $128.4M +12.4% YoY

Net Income $39.0M +36.7% YoY

EPS (Diluted) $2.29 +37.1% YoY

Free Cash Flow $36.3M +43.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Mar 31, 2026 Reported May 8, 2026 Currency USD FYE June

Greene Cnty Bancorp Inc (GCBC) reported $128.4M in revenue over the twelve months to Mar 31, 2026, up 12.4% from the prior twelve months. 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).

Rhea AI GCBC FY2025 2026-08-29

Liability-funded balance-sheet expansion dominates the model, while recovering margins and cash conversion shape reported earnings.

Operating cash flow slightly exceeded net income in the earlier period—$24.9M versus $24.8M—tying reported profit to realized cash rather than only accrual entries. In the latest period, operating cash flow of $28.0M remained close to net income of $31.1M, so the earnings recovery was accompanied by consistent cash generation.

Net profit margin recovered from 23.9% to 26.5%, showing that the stronger result was not only a larger revenue base. Interest expense nevertheless rose 9.3% to $57.6M, so the improvement was not explained simply by cheaper funding.

The balance sheet remains liability-funded, with reported debt-to-equity at 11.7x in the latest period. Equity grew 15.9% year over year, faster than total assets at 7.6%, while modest reinvestment kept free cash flow at $27.3M against capital expenditures of $691K.

Financial Health Signals

Financial Health Score 58/100

Scored as: Banks peer group

Scored against banks for FY2025. 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 Cnty 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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/6

Greene Cnty Bancorp Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.90x

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

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Earnings & Revenue

Revenue

$117.7M

YoY+13.5%

5Y CAGR+17.2%

10Y CAGR+16.4%

Greene Cnty Bancorp Inc generated $117.7M in revenue in fiscal year 2025. This represents an increase of 13.5% from the prior year.

Net Income

$31.1M

YoY+25.7%

5Y CAGR+10.7%

10Y CAGR+15.8%

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.

EPS (Diluted)

$1.83

YoY+26.2%

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.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$27.3M

YoY+16.6%

5Y CAGR+1.3%

10Y CAGR+8.5%

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.

Cash & Debt

$183.1M

YoY-3.8%

5Y CAGR+35.2%

Greene Cnty Bancorp Inc held $183.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.36

YoY+12.5%

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.

Shares Outstanding

17M

YoY0.0%

Greene Cnty Bancorp Inc had 17M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

Net Margin

26.5%

YoY+2.6pp

5Y CAGR-8.7pp

10Y CAGR-1.5pp

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.

Return on Equity

13.0%

YoY+1.0pp

5Y CAGR-1.5pp

10Y CAGR+2.3pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$691K

YoY-54.1%

5Y CAGR-9.1%

10Y CAGR-0.9%

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

GCBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GCBC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$128.4M	$117.7M+13.5%	$103.7M+22.5%	$84.6M+33.4%	$63.4M+8.8%	$58.3M+9.4%	$53.3M+1195.0%	$4.1M+11.1%	$3.7M-88.9%	$33.5M+16.2%	$28.8M+12.1%	$25.7M+8.0%	$23.8M-1.1%	$24.1M-1.2%	$24.3M+0.5%	$24.2M
SG&A Expenses	$25.9M	$24.4M+2.4%	$23.8M+1.8%	$23.4M+13.3%	$20.7M+7.8%	$19.2M+11.6%	$17.2M+10.9%	$15.5M+16.0%	$13.3M+14.4%	$11.7M+11.3%	$10.5M+6.4%	$9.9M+6.2%	$9.3M+7.7%	$8.6M+3.1%	$8.4M+2.7%	$8.1M
Interest Expense	$55.0M	$57.6M+9.3%	$52.7M+125.1%	$23.4M+330.4%	$5.4M+4.9%	$5.2M-38.9%	$8.5M+34.4%	$6.3M+57.1%	$4.0M+30.5%	$3.1M+19.2%	$2.6M+12.1%	$2.3M-3.6%	$2.4M-15.3%	$2.8M-21.4%	$3.6M-20.6%	$4.5M
Income Tax	$5.8M	$3.5M+72.1%	$2.0M-59.3%	$5.0M+2.5%	$4.9M+33.9%	$3.7M+21.3%	$3.0M-14.5%	$3.5M-13.5%	$4.1M+9.5%	$3.7M+39.6%	$2.7M+15.6%	$2.3M-8.6%	$2.5M-5.1%	$2.7M-0.3%	$2.7M-1.9%	$2.7M
Net Income	$39.0M	$31.1M+25.7%	$24.8M-19.5%	$30.8M+10.0%	$28.0M+16.9%	$23.9M+27.8%	$18.7M+7.1%	$17.5M+21.3%	$14.4M+28.8%	$11.2M+24.8%	$9.0M+24.7%	$7.2M+10.1%	$6.5M+2.5%	$6.4M+9.3%	$5.8M+10.2%	$5.3M
EPS (Diluted)	$2.29	$1.83+26.2%	$1.45-19.9%	$1.81	$1.64	$2.81+27.7%	$2.20+7.3%	$2.05+21.3%	$1.69+29.0%	$1.31+23.6%	$1.06	$0.85	$1.54+2.0%	$1.51+8.6%	$1.39+9.4%	$1.27

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$32.6M-2.7%	$33.5M+5.9%	$31.6M+2.9%	$30.7M+3.2%	$29.8M+1.2%	$29.4M+5.9%	$27.8M+1.6%	$27.3M
SG&A Expenses	$6.8M+9.0%	$6.2M+1.1%	$6.2M-8.0%	$6.7M+8.0%	$6.2M+9.6%	$5.7M-3.8%	$5.9M-10.8%	$6.6M
Interest Expense	$12.4M-14.2%	$14.4M+2.4%	$14.1M+0.5%	$14.0M+3.4%	$13.6M-11.6%	$15.3M+4.9%	$14.6M+1.1%	$14.5M
Income Tax	$1.6M+29.4%	$1.3M-4.0%	$1.3M-18.8%	$1.6M+83.1%	$887K+50.6%	$589K+37.6%	$428K+336.7%	$98K
Net Income	$10.5M+2.2%	$10.3M+16.0%	$8.9M-5.0%	$9.3M+15.9%	$8.1M+7.5%	$7.5M+19.6%	$6.3M-7.0%	$6.7M
EPS (Diluted)	$0.62+3.3%	$0.60+15.4%	$0.52-5.5%	$0.55+17.0%	$0.47+6.8%	$0.44+18.9%	$0.37-5.1%	$0.39

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

GCBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GCBC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$3.0B+7.6%	$2.8B+4.7%	$2.7B+4.9%	$2.6B+16.9%	$2.2B+31.2%	$1.7B+32.1%	$1.3B+10.2%	$1.2B+17.2%	$982.3M+13.1%	$868.8M+17.6%	$738.6M+9.6%	$674.2M+6.4%	$633.6M+7.3%	$590.7M+7.9%	$547.5M
Cash & Equivalents	$183.1M-3.8%	$190.4M-3.1%	$196.4M+184.7%	$69.0M-53.9%	$149.8M+270.2%	$40.5M+37.0%	$29.5M+11.4%	$26.5M+62.8%	$16.3M	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.8B+6.9%	$2.6B+4.2%	$2.5B+4.2%	$2.4B+17.7%	$2.1B+32.5%	$1.5B+33.8%	$1.2B+9.6%	$1.1B+17.4%	$898.8M+13.1%	$794.5M+18.3%	$671.7M+9.6%	$613.0M+6.1%	$577.5M+7.3%	$538.0M+7.7%	$499.4M
Long-Term Debt	N/A	N/A	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$238.8M+15.9%	$206.0M+12.4%	$183.3M+16.2%	$157.7M+5.4%	$149.6M+16.1%	$128.8M+14.6%	$112.4M+16.8%	$96.2M+15.2%	$83.5M+12.4%	$74.3M+11.0%	$66.9M+9.3%	$61.2M+9.1%	$56.1M+6.5%	$52.7M+9.5%	$48.1M
Retained Earnings	$241.4M+12.4%	$214.7M+10.9%	$193.7M+17.3%	$165.1M+18.1%	$139.8M+18.2%	$118.3M+16.2%	$101.8M+18.0%	$86.2M+18.0%	$73.1M+14.5%	$63.8M+12.5%	$56.7M+10.5%	$51.3M+11.3%	$46.1M+10.1%	$41.9M+12.1%	$37.3M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$3.2B+1.1%	$3.1B+2.9%	$3.1B+0.6%	$3.0B+1.1%	$3.0B+1.4%	$3.0B+3.2%	$2.9B+1.7%	$2.8B
Cash & Equivalents	$139.4M+12.4%	$124.1M-19.7%	$154.6M-15.6%	$183.1M+17.7%	$155.5M-6.6%	$166.4M-22.0%	$213.5M+12.1%	$190.4M
Total Liabilities	$2.9B+0.9%	$2.9B+2.8%	$2.8B+0.3%	$2.8B+0.8%	$2.8B+1.1%	$2.7B+3.3%	$2.7B+1.5%	$2.6B
Total Equity	$267.6M+3.6%	$258.3M+4.1%	$248.2M+3.9%	$238.8M+4.3%	$229.0M+4.8%	$218.4M+1.0%	$216.3M+5.0%	$206.0M
Retained Earnings	$267.8M+3.4%	$259.0M+3.8%	$249.5M+3.4%	$241.4M+3.7%	$232.8M+3.3%	$225.4M+2.7%	$219.5M+2.2%	$214.7M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.

GCBC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$37.3M	$28.0M+12.3%	$24.9M-11.4%	$28.1M-20.5%	$35.4M+27.4%	$27.8M+3.9%	$26.7M+23.6%	$21.6M+4.6%	$20.7M+47.2%	$14.0M+3.4%	$13.6M+6.1%	$12.8M+12.4%	$11.4M+10.2%	$10.3M-0.1%	$10.3M+2.2%	$10.1M
Capital Expenditures	$929K	$691K-54.1%	$1.5M-2.0%	$1.5M+46.2%	$1.1M-16.2%	$1.3M+12.4%	$1.1M+89.5%	$589K+81.8%	$324K+326.3%	$76K-73.8%	$290K-61.5%	$753K+31.0%	$575K+207.5%	$187K-42.8%	$327K-75.6%	$1.3M
Free Cash Flow	$36.3M	$27.3M+16.6%	$23.4M-11.9%	$26.6M-22.5%	$34.3M+29.5%	$26.5M+3.5%	$25.6M+21.7%	$21.0M+3.4%	$20.3M+45.6%	$14.0M+5.1%	$13.3M+10.3%	$12.0M+11.4%	$10.8M+6.5%	$10.1M+1.3%	$10.0M+14.1%	$8.8M
Investing Cash Flow	-$180.4M	-$210.2M-62.6%	-$129.2M-19651.4%	$661K+100.1%	-$471.2M-13.0%	-$417.1M-5.0%	-$397.3M-244.5%	-$115.3M+29.4%	-$163.4M-41.1%	-$115.8M+12.6%	-$132.4M	N/A	N/A	-$50.0M-3.2%	-$48.4M+14.9%	-$56.8M
Financing Cash Flow	$127.1M	$174.9M+77.9%	$98.3M-0.4%	$98.7M-72.2%	$355.1M-28.8%	$498.7M+30.7%	$381.5M+294.3%	$96.7M-36.7%	$152.9M+49.8%	$102.1M-14.4%	$119.2M	N/A	N/A	$38.1M+6.4%	$35.8M-23.8%	$47.0M
Dividends Paid	$4.0M	$4.5M+38.1%	$3.2M+47.9%	$2.2M-16.8%	$2.6M+8.4%	$2.4M+8.6%	$2.2M+9.9%	$2.0M+33.5%	$1.5M-20.5%	$1.9M+3.6%	$1.9M+3.1%	$1.8M+34.7%	$1.3M-37.3%	$2.1M+64.1%	$1.3M-21.3%	$1.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$631K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$10.7M+66.0%	$6.4M-7.5%	$7.0M-47.4%	$13.2M+80.9%	$7.3M+37.6%	$5.3M+147.0%	$2.1M-80.6%	$11.1M
Capital Expenditures	$13K-93.8%	$209K-48.0%	$402K+31.8%	$305K+486.5%	$52K-71.3%	$181K+18.3%	$153K-22.7%	$198K
Free Cash Flow	$10.7M+71.4%	$6.2M-5.0%	$6.5M-49.3%	$12.9M+78.0%	$7.3M+41.4%	$5.1M+156.8%	$2.0M-81.6%	$10.9M
Investing Cash Flow	-$18.3M+83.9%	-$114.0M-158.8%	-$44.0M-993.4%	-$4.0M+91.6%	-$48.1M+65.7%	-$140.5M-701.8%	-$17.5M+17.7%	-$21.3M
Financing Cash Flow	$23.0M-70.1%	$77.1M+799.2%	$8.6M-53.4%	$18.4M-38.4%	$29.9M-66.1%	$88.1M+129.3%	$38.4M+169.6%	-$55.2M
Dividends Paid	$1.7M+116.8%	$785K+0.5%	$781K+11.1%	$703K+0.1%	$702K-54.3%	$1.5M+0.3%	$1.5M+145.7%	$624K

Not reported in any period shown, so not listed: Share Buybacks.

GCBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

GCBC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	26.5%+2.6pp	23.9%-12.5pp	36.4%-7.7pp	44.1%+3.1pp	41.0%+5.9pp	35.1%	424.7%	388.7%	33.4%+2.3pp	31.1%+3.1pp	28.0%+0.5pp	27.4%+1.0pp	26.5%+2.5pp	23.9%+2.1pp	21.8%
Return on Equity	13.0%+1.0pp	12.0%-4.8pp	16.8%-0.9pp	17.7%+1.7pp	16.0%+1.5pp	14.5%-1.0pp	15.6%+0.6pp	15.0%+1.6pp	13.4%+1.3pp	12.1%+1.3pp	10.7%+0.1pp	10.7%-0.7pp	11.3%+0.3pp	11.1%+0.1pp	11.0%
Return on Assets	1.0%+0.1pp	0.9%-0.3pp	1.1%+0.1pp	1.1%0.0pp	1.1%0.0pp	1.1%-0.3pp	1.4%+0.1pp	1.3%+0.1pp	1.1%+0.1pp	1.0%+0.1pp	1.0%0.0pp	1.0%0.0pp	1.0%0.0pp	1.0%0.0pp	1.0%
Debt-to-Equity	11.73-1.0x	12.72+12.7x	0.000.0x	0.000.0x	0.00-12.0x	12.02+1.7x	10.30-0.7x	10.97+0.2x	10.76+0.1x	10.69+0.7x	10.040.0x	10.02-0.3x	10.29+0.1x	10.22-0.2x	10.39
FCF Margin	23.2%+0.6pp	22.6%-8.8pp	31.4%-22.7pp	54.1%+8.6pp	45.4%-2.6pp	48.0%	510.9%	548.9%	41.8%-4.4pp	46.2%-0.7pp	46.9%+1.4pp	45.4%+3.3pp	42.2%+1.0pp	41.2%+4.9pp	36.3%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Net Margin	32.3%+1.6pp	30.7%+2.7pp	28.1%-2.3pp	30.4%+3.3pp	27.1%+1.6pp	25.5%+2.9pp	22.6%-2.1pp	24.6%
Return on Equity	3.9%-0.1pp	4.0%+0.4pp	3.6%-0.3pp	3.9%+0.4pp	3.5%+0.1pp	3.4%+0.5pp	2.9%-0.4pp	3.3%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	10.89-0.3x	11.19-0.1x	11.32-0.4x	11.73-0.4x	12.13-0.4x	12.58+0.3x	12.29-0.4x	12.72
FCF Margin	32.7%+14.1pp	18.6%-2.1pp	20.7%-21.3pp	42.0%+17.6pp	24.4%+6.9pp	17.4%+10.2pp	7.2%-32.6pp	39.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Greene Cnty Bancorp Inc Ranks

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 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 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 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 58 out of 100 on our Financial Health Score, indicating moderate 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.