Greene County Bancorp Inc (GCBC) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2026, Greene County Bancorp reported revenue of $92.6M, up 22.9% from $75.4M the year before. Net income was $41.0M (a 44.3% net margin), or $2.41 per diluted share. Net interest income was $77.9M, and the efficiency ratio (noninterest expense / revenue) was 47.2%. Operating activities generated $42.3M of cash, leaving $41.6M of free cash flow. At fiscal year end, Greene County Bancorp held $3.18B in total assets against $2.91B in total liabilities.
Open the full interactive Greene County Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Greene County Bancorp Key Stats
| Share Price | $34.40 |
|---|---|
| Market Cap | $585.7M |
| P/E Ratio | 14.3 |
| Dividend Yield | 0.69% |
| Revenue YoY Growth | +22.9% |
| 52-Week Range | $21.20 – $36.02 |
| Shares Outstanding | 17.0 million (basic, 2026 Q4) |
Greene County Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $53.1M | $58.0M | $61.2M | $51.0M | $60.1M | $77.9M |
| Provision for Credit Losses | $4.0M | $3.3M | -$1.1M | $766,000 | $1.3M | $2.0M |
| Noninterest Income | $9.7M | $12.1M | $12.1M | $13.9M | $15.2M | $14.7M |
| Noninterest Expense | $31.2M | $34.0M | $38.6M | $37.3M | $39.4M | $43.7M |
| Revenue | $62.8M | $70.1M | $73.4M | $64.9M | $75.4M | $92.6M |
| Pre-Tax Income | $27.6M | $32.9M | $35.8M | $26.8M | $34.7M | $46.8M |
| Income Tax | $3.7M | $4.9M | $5.0M | $2.0M | $3.5M | $5.8M |
| Net Income | $23.9M | $28.0M | $30.8M | $24.8M | $31.1M | $41.0M |
| Diluted EPS | $1.41 | $1.65 | $1.81 | $1.45 | $1.83 | $2.41 |
Greene County Bancorp Quarterly Results
| 2026 Q1 | 2026 Q2 | 2026 Q3 | 2026 Q4 | |
|---|---|---|---|---|
| Revenue | $21.5M | $22.2M | $23.9M | $25.0M |
| Net Income | $8.9M | $10.3M | $10.5M | $11.3M |
| Diluted EPS | $0.52 | $0.60 | $0.62 | $0.67 |
Greene County Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Total Assets | $2.20B | $2.57B | $2.70B | $2.83B | $3.04B | $3.18B |
| Deposits | $2.01B | $2.21B | $2.44B | $2.39B | $2.64B | $2.71B |
| Total Long-Term Debt | $19.6M | $49.3M | $49.5M | $83.8M | $54.1M | $36.1M |
| Total Liabilities | $2.05B | $2.41B | $2.52B | $2.62B | $2.80B | $2.91B |
| Shareholders' Equity | $149.6M | $157.7M | $183.3M | $206.0M | $238.8M | $277.8M |
Greene County Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $27.8M | $35.4M | $28.1M | $24.9M | $28.0M | $42.3M |
| Cash From Investing | -$417.1M | -$471.2M | $661,000 | -$129.2M | -$210.2M | -$176.9M |
| Cash From Financing | $498.7M | $355.1M | $98.7M | $98.3M | $174.9M | $96.5M |
| Free Cash Flow | $26.5M | $34.3M | $26.6M | $23.4M | $27.3M | $41.6M |
| Dividends Paid | $2.4M | $2.6M | $2.2M | $3.2M | $4.5M | $4.0M |
Figures from Greene County Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Greene County Bancorp financials page for every line item.
Greene County Bancorp Company Profile
| Ticker | GCBC |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Catskill, New York |
| Incorporated in | Delaware |
| Fiscal Year End | June 30 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001070524 |
Frequently Asked Questions
What was Greene County Bancorp's revenue in fiscal 2026?
Greene County Bancorp (GCBC) reported revenue of $92.6M for fiscal 2026.
What is Greene County Bancorp's annual revenue history?
Greene County Bancorp's annual revenue by fiscal year: 2021: $62.8M; 2022: $70.1M; 2023: $73.4M; 2024: $64.9M; 2025: $75.4M; 2026: $92.6M.
What was Greene County Bancorp's net income in fiscal 2026?
Greene County Bancorp reported net income of $41.0M for fiscal 2026.
What was Greene County Bancorp's earnings per share (EPS) in fiscal 2026?
Greene County Bancorp's diluted EPS was $2.41 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did Greene County Bancorp generate in fiscal 2026?
Greene County Bancorp generated $41.6M of free cash flow in fiscal 2026.
What was Greene County Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q4), Greene County Bancorp reported revenue of $25.0M.
How much debt does Greene County Bancorp have?
Greene County Bancorp reported $36.1M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Greene County Bancorp are outstanding?
Greene County Bancorp reported a weighted average of 17.0 million basic shares outstanding in 2026 Q4.
What is Greene County Bancorp's market cap?
Based on its latest closing price, Greene County Bancorp (GCBC) has a market capitalization of about $585.7M.
When does Greene County Bancorp's fiscal year end?
Greene County Bancorp's fiscal year end, as registered with the SEC, is June 30.
Where is Greene County Bancorp headquartered?
Greene County Bancorp lists its business address in Catskill, New York in its SEC filings.
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