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Financials · GCBC

Greene County Bancorp Inc. (GCBC) financials

For the twelve months ended Sep 30, 2026, Greene County Bancorp Inc. reported $95.87M of revenue and $44.65M of net income.

Revenue, TTM
$95.87M
Revenue growth, YoY
+19.9%
Net income, TTM
$44.65M
Net income growth, YoY
+32.3%
Net margin
46.6%
Free cash flow, TTM
$53.76M
EPS, diluted, TTM
$2.62
EPS growth, YoY
+32.3%
Cash
$135.00M
P/E
13.77
P/S
6.42
Market cap
$615.0M
Annual revenue$92.58M
FY2017FY2026
Annual net income$41.02M
FY2017FY2026
Annual free cash flow$41.56M
FY2017FY2026

GCBC revenue and earnings growth

GCBC revenueQ1 2027$24.80M

Quarter YoY
+15.3%
QoQ
-0.7%
FY YoY
+22.9%
5Y CAGR
+8.1%
10Y CAGR
+11.1%

GCBC revenue was $24.80M in fiscal Q1 2027 (ended Sep 30, 2026), up 15.3% from a year earlier and down 0.7% from the prior quarter. For the full fiscal 2026 it was $92.58M, up 22.9% from fiscal 2025. Compound annual growth was +8.1% over 5 years and +11.1% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

GCBC net incomeQ1 2027$12.50M

Quarter YoY
+40.9%
QoQ
+10.3%
FY YoY
+31.7%
5Y CAGR
+11.4%
10Y CAGR
+16.4%

GCBC net income was $12.50M in fiscal Q1 2027 (ended Sep 30, 2026), up 40.9% from a year earlier and up 10.3% from the prior quarter. For the full fiscal 2026 it was $41.02M, up 31.7% from fiscal 2025. Compound annual growth was +11.4% over 5 years and +16.4% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

GCBC EPSQ1 2027$0.73

Quarter YoY
+40.4%
QoQ
+9.0%
FY YoY
+31.7%
5Y CAGR
+11.4%
10Y CAGR
+16.4%

GCBC diluted EPS was $0.73 in fiscal Q1 2027 (ended Sep 30, 2026), up 40.4% from a year earlier and up 9.0% from the prior quarter. For the full fiscal 2026 it was $2.41, up 31.7% from fiscal 2025. Compound annual growth was +11.4% over 5 years and +16.4% over 10 years.

GCBC free cash flowQ1 2027$18.75M

Quarter YoY
+186.3%
QoQ
+3.4%
FY YoY
+52.3%
5Y CAGR
+9.4%
10Y CAGR
+12.1%

GCBC free cash flow was $18.75M in fiscal Q1 2027 (ended Sep 30, 2026), up 186.3% from a year earlier and up 3.4% from the prior quarter. For the full fiscal 2026 it was $41.56M, up 52.3% from fiscal 2025. Compound annual growth was +9.4% over 5 years and +12.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue$92.58M$75.35M$64.89M$73.36M$70.14M$62.81M$53.48M$48.36M$42.40M$36.81M
Interest expense---$23.41M$5.44M$5.18M$8.48M$6.31M$4.01M$3.08M
Pre-tax income$46.83M$34.67M$26.82M$35.83M$32.91M$27.61M$21.76M$21.03M$18.50M$14.93M
Income tax$5.81M$3.53M$2.05M$5.04M$4.92M$3.67M$3.03M$3.54M$4.09M$3.74M
Net income$41.02M$31.14M$24.77M$30.79M$27.99M$23.94M$18.73M$17.48M$14.41M$11.19M
EPS, basic$2.41$1.83$1.45$1.81$1.64$1.41$1.10$1.02$0.84$0.66
EPS, diluted$2.41$1.83$1.45$1.81$1.64$1.41$1.10$1.02$0.84$0.66
Diluted shares17.0M17.0M17.0M17.0M17.0M17.0M17.1M17.1M17.1M17.0M

Balance sheet

Balance sheet
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Cash and equivalents$144.91M$183.08M$190.40M$196.44M$69.01M$149.78M$40.46M$29.54M$26.50M$16.28M
Total assets$3.18B$3.04B$2.83B$2.70B$2.57B$2.20B$1.68B$1.27B$1.15B$982.29M
Total debt---$0$0$0----
Total liabilities$2.91B$2.80B$2.62B$2.52B$2.41B$2.05B$1.55B$1.16B$1.06B$898.77M
Shareholders' equity$277.83M$238.84M$206.00M$183.28M$157.71M$149.58M$128.81M$112.37M$96.19M$83.52M

Cash flow

Cash flow
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Operating cash flow$42.30M$27.98M$24.91M$28.11M$35.35M$27.75M$26.72M$21.63M$20.67M$14.05M
Capital expenditures$741.0K$691.0K$1.51M$1.54M$1.05M$1.25M$1.12M$589.0K$324.0K$76.0K
Free cash flow$41.56M$27.29M$23.40M$26.57M$34.30M$26.50M$25.61M$21.04M$20.35M$13.97M
Investing cash flow-$176.93M-$210.17M-$129.24M$661.0K-$471.18M-$417.14M-$397.32M-$115.34M-$163.38M-$115.76M
Financing cash flow$96.46M$174.87M$98.28M$98.67M$355.06M$498.70M$381.52M$96.75M$152.93M$102.10M
Dividends paid$4.05M$4.47M$3.24M$2.19M$2.63M$2.43M$2.24M$2.04M$1.53M$1.92M
Share repurchases$32.0K$0---$0$631.0K$0--

Key ratios

Key ratios
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue growth, YoY22.9%16.1%-11.6%4.6%11.7%17.4%10.6%14.1%15.2%14.4%
Net income growth, YoY31.7%25.7%-19.5%10.0%16.9%27.8%7.1%21.3%28.8%24.8%
EPS growth, YoY31.7%26.2%-19.9%10.4%16.7%27.7%7.3%21.3%29.0%23.6%
Net margin44.3%41.3%38.2%42.0%39.9%38.1%35.0%36.2%34.0%30.4%
Free cash flow margin44.9%36.2%36.1%36.2%48.9%42.2%47.9%43.5%48.0%38.0%
Return on equity14.8%13.0%12.0%16.8%17.7%16.0%14.5%15.6%15.0%13.4%
Return on assets1.3%1.0%0.9%1.1%1.1%1.1%1.1%1.4%1.3%1.1%
Debt to equity---0.000.000.00----

Source: XBRL data Greene County Bancorp Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported May 13, 2016; 2-for-1, first reported May 11, 2023.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

GCBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
GCBC$95.87M+19.9%$44.65M46.6%$615.0M
FLG$2.10B-1.4%$96.00M4.6%$4.36B
BBT$887.69M+93.0%$159.79M18.0%$2.56B
HFWA$314.90M+33.0%$77.45M24.6%$1.16B
NBBK$283.44M+43.2%$66.95M23.6%$968.0M
SMBC$204.74M+9.0%$75.29M36.8%$776.0M
TCBX$248.00M+24.8%$75.26M30.3%$646.4M
HBCP$156.11M+7.0%$44.48M28.5%$474.1M

GCBC FAQ

8 questions
  • What is GCBC revenue?
    Greene County Bancorp Inc. (GCBC) reported $95.87M of revenue for the twelve months ended Sep 30, 2026. That is up 19.9% from the year before. Revenue for fiscal 2026 was $92.58M.
  • Is GCBC profitable?
    Yes. Greene County Bancorp Inc. earned $44.65M in net income for the twelve months ended Sep 30, 2026, a net margin of 46.6%.
  • How much cash and debt does GCBC have?
    Greene County Bancorp Inc. reported $135.00M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is GCBC revenue growing?
    Greene County Bancorp Inc.'s revenue changed +22.9% in fiscal 2026, to $92.58M. Its compound annual growth rate was +8.1% over 5 years and +11.1% over 10 years.
  • What is GCBC free cash flow?
    Greene County Bancorp Inc. generated $53.76M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $54.20M less capital expenditures.
  • What is GCBC earnings per share?
    Diluted earnings per share were $2.62 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did GCBC last report financial results?
    The latest statements here come from Greene County Bancorp Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this GCBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Greene County Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.