Free Trial
→ Trump Predicts Dollar Downfall (From Augusta Precious Metals) (Ad) Buy GCBC Stock  Free GCBC Stock Alerts

Greene County Bancorp (GCBC) Financials

Greene County Bancorp logo
$22.02 -0.48 (-2.13%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$21.98 -0.04 (-0.18%)
As of 05/23/2025 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Greene County Bancorp

Annual Income Statements for Greene County Bancorp

This table shows Greene County Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 6/30/2024 6/30/2023 6/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 25 31 28
Consolidated Net Income / (Loss)		 25 31 28
Net Income / (Loss) Continuing Operations		 25 31 28
Total Pre-Tax Income 		27 36 33
Total Revenue		 65 73 70
Net Interest Income / (Expense)		 51 61 58
Total Interest Income		 104 85 63
Loans and Leases Interest Income		 72 60 47
Investment Securities Interest Income		 28 23 16
Federal Funds Sold and Securities Borrowed Interest Income		 4.02 1.59 0.16
Total Interest Expense		 53 23 5.44
Deposits Interest Expense		 50 20 3.48
Long-Term Debt Interest Expense		 2.97 3.35 1.96
Total Non-Interest Income		 14 12 12
Service Charges on Deposit Accounts		 4.64 4.71 4.44
Other Service Charges		 5.93 5.53 5.49
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.25 0.00
Investment Banking Income		 1.16 0.78 0.94
Other Non-Interest Income		 2.18 1.37 1.27
Provision for Credit Losses		 0.77 -1.07 3.28
Total Non-Interest Expense		 37 39 34
Salaries and Employee Benefits		 24 23 21
Net Occupancy & Equipment Expense		 5.54 5.90 5.70
Marketing Expense		 0.45 0.50 0.49
Property & Liability Insurance Claims		 1.29 1.09 0.83
Other Operating Expenses		 6.19 7.71 6.28
Income Tax Expense		 2.05 5.04 4.92
Basic Earnings per Share		 $1.45 $1.81 $1.64
Weighted Average Basic Shares Outstanding		 17.03M 17.03M 17.03M
Diluted Earnings per Share		 $1.45 $1.81 $1.64
Weighted Average Diluted Shares Outstanding		 17.03M 17.03M 17.03M
Weighted Average Basic & Diluted Shares Outstanding		 17.03M 17.03M 8.51M
Cash Dividends to Common per Share		 $0.32 $0.28 $0.26

Quarterly Income Statements for Greene County Bancorp

This table shows Greene County Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Consolidated Net Income / (Loss)		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Net Income / (Loss) Continuing Operations		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Total Pre-Tax Income 		8.08 6.69 6.83 6.18 6.37 7.44 7.20 9.37 8.62 11 7.94
Total Revenue		 18 17 17 16 16 17 17 18 19 19 18
Net Interest Income / (Expense)		 14 13 13 12 12 13 14 15 16 16 15
Total Interest Income		 29 28 27 26 26 25 24 22 21 19 17
Loans and Leases Interest Income		 19 19 18 18 18 17 16 16 15 13 12
Investment Securities Interest Income		 8.54 7.84 7.67 7.17 6.71 6.55 6.22 5.98 5.56 5.23 4.84
Federal Funds Sold and Securities Borrowed Interest Income		 1.40 0.69 1.16 0.84 1.11 0.92 1.12 0.28 0.17 0.03 0.04
Total Interest Expense		 15 15 14 14 13 11 9.29 6.71 4.61 2.81 1.65
Deposits Interest Expense		 15 14 14 13 13 11 8.75 5.56 3.74 2.01 1.03
Long-Term Debt Interest Expense		 0.61 0.83 0.87 0.83 0.65 0.63 0.54 1.15 0.87 0.80 0.62
Total Non-Interest Income		 3.88 3.74 3.72 3.41 3.48 3.30 3.09 3.06 2.90 3.10 3.07
Service Charges on Deposit Accounts		 1.27 1.23 1.17 1.01 1.23 1.23 1.13 1.13 1.23 1.22 1.16
Other Service Charges		 1.71 1.62 1.47 1.52 1.47 1.46 1.43 1.37 1.37 1.36 1.34
Investment Banking Income		 0.25 0.25 0.44 0.27 0.21 0.24 0.19 0.21 0.20 0.18 0.24
Other Non-Interest Income		 0.64 0.65 0.63 0.62 0.57 0.36 0.35 0.34 0.34 0.34 0.33
Provision for Credit Losses		 0.48 0.63 -0.15 0.29 0.17 0.46 0.13 -0.94 0.24 -0.50 0.85
Total Non-Interest Expense		 9.39 9.55 9.90 9.23 9.33 8.85 10 9.86 9.95 8.80 9.35
Salaries and Employee Benefits		 5.65 5.88 6.59 6.10 5.65 5.49 6.35 6.19 5.45 5.43 5.56
Net Occupancy & Equipment Expense		 1.58 1.55 1.33 1.50 1.45 1.27 1.68 1.44 1.40 1.38 1.56
Marketing Expense		 0.13 0.08 0.12 0.12 0.10 0.10 0.16 0.12 0.15 0.08 0.15
Property & Liability Insurance Claims		 0.35 0.32 0.34 0.33 0.31 0.31 0.45 0.19 0.21 0.24 0.18
Other Operating Expenses		 1.68 1.72 1.52 1.18 1.81 1.68 1.37 1.92 2.75 1.67 1.89
Income Tax Expense		 0.59 0.43 0.10 0.32 0.66 0.97 0.74 1.28 1.43 1.60 1.13
Basic Earnings per Share		 $0.44 $0.37 $0.40 $0.34 $0.34 $0.38 $0.38 $0.48 $0.42 $0.53 $0.40
Weighted Average Basic Shares Outstanding		 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M
Diluted Earnings per Share		 $0.44 $0.37 $0.40 $0.34 $0.34 $0.38 $0.38 $0.48 $0.42 $0.53 $0.40
Weighted Average Diluted Shares Outstanding		 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M

Annual Cash Flow Statements for Greene County Bancorp

This table details how cash moves in and out of Greene County Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 6/30/2024 6/30/2023 6/30/2022
Net Change in Cash & Equivalents		 -6.05 127 -81
Net Cash From Operating Activities		 25 28 35
Net Cash From Continuing Operating Activities		 25 28 35
Net Income / (Loss) Continuing Operations		 25 31 28
Consolidated Net Income / (Loss)		 25 31 28
Provision For Loan Losses		 0.77 -1.07 3.28
Depreciation Expense		 0.93 0.87 0.83
Amortization Expense		 0.88 2.86 0.23
Non-Cash Adjustments to Reconcile Net Income		 -2.34 -1.27 -1.96
Changes in Operating Assets and Liabilities, net		 -0.09 -4.06 4.99
Net Cash From Investing Activities		 -129 0.66 -471
Net Cash From Continuing Investing Activities		 -129 0.66 -471
Purchase of Property, Leasehold Improvements and Equipment		 -1.51 -1.54 -1.05
Purchase of Investment Securities		 -449 -365 -825
Sale and/or Maturity of Investments		 321 367 354
Net Cash From Financing Activities		 98 99 355
Net Cash From Continuing Financing Activities		 98 99 355
Net Change in Deposits		 -48 225 207
Issuance of Debt		 34 0.00 30
Repayment of Debt		 115 -124 121
Payment of Dividends		 -3.24 -2.19 -2.63
Cash Interest Paid		 52 23 5.18
Cash Income Taxes Paid		 1.80 6.31 5.60

Quarterly Cash Flow Statements for Greene County Bancorp

This table details how cash moves in and out of Greene County Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Net Change in Cash & Equivalents		 -47 23 -65 80 46 -66 18 118 -6.11 -2.09 -82
Net Cash From Operating Activities		 5.31 2.15 11 5.59 2.00 6.26 10 7.69 5.64 4.40 14
Net Cash From Continuing Operating Activities		 5.31 2.15 11 5.59 2.00 6.26 10 7.69 5.64 4.40 14
Net Income / (Loss) Continuing Operations		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Consolidated Net Income / (Loss)		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Provision For Loan Losses		 0.48 0.63 -0.15 0.29 0.17 0.46 0.13 -0.94 0.24 -0.50 0.85
Depreciation Expense		 0.26 0.26 0.24 0.25 0.22 0.22 0.22 0.22 0.22 0.21 0.20
Amortization Expense		 0.11 -0.16 -0.13 0.08 0.43 0.50 0.58 0.68 0.73 0.88 0.52
Non-Cash Adjustments to Reconcile Net Income		 -2.16 -1.20 -1.15 -0.19 0.09 -1.09 -0.63 -0.88 0.82 -0.58 -0.93
Changes in Operating Assets and Liabilities, net		 -0.88 -3.65 5.52 -0.70 -4.61 -0.30 3.63 0.52 -3.56 -4.65 6.75
Net Cash From Investing Activities		 -140 -18 -21 -54 5.10 -59 43 11 -34 -20 -139
Net Cash From Continuing Investing Activities		 -140 -18 -21 -54 5.10 -59 43 11 -34 -20 -139
Purchase of Property, Leasehold Improvements and Equipment		 -0.18 -0.15 -0.20 -0.66 -0.17 -0.47 -0.72 -0.30 -0.36 -0.15 -0.29
Purchase of Investment Securities		 -215 -115 -163 -93 -74 -125 -65 -55 -108 -137 -255
Sale and/or Maturity of Investments		 75 97 142 39 79 67 109 66 75 118 116
Net Cash From Financing Activities		 88 38 -55 128 39 -14 -36 99 22 13 43
Net Cash From Continuing Financing Activities		 88 38 -55 128 39 -14 -36 99 22 13 43
Net Change in Deposits		 -19 97 -168 222 -86 -17 -35 207 -61 114 -79
Issuance of Debt		 79 0.00 - 30 125 4.37 - - - 0.00 -
Repayment of Debt		 29 -57 113 -123 - 0.00 - -108 84 -100 124
Payment of Dividends		 -1.54 -1.53 -0.62 -0.63 -0.63 -1.36 -0.55 -0.55 -0.55 -0.55 -1.11
Cash Interest Paid		 16 15 14 14 13 12 8.66 7.22 3.93 3.27 1.18
Cash Income Taxes Paid		 0.34 0.32 0.28 0.53 0.64 0.36 0.06 1.78 2.54 1.93 1.45

Annual Balance Sheets for Greene County Bancorp

This table presents Greene County Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 6/30/2024 6/30/2023 6/30/2022
Total Assets		 2,826 2,698 2,572
Cash and Due from Banks		 14 15 69
Interest Bearing Deposits at Other Banks		 176 181 -
Time Deposits Placed and Other Short-Term Investments		 2.83 4.58 4.11
Trading Account Securities		 1,041 281 1,170
Loans and Leases, Net of Allowance		 -19 -21 -23
Allowance for Loan and Lease Losses		 19 21 23
Premises and Equipment, Net		 16 15 14
Other Assets		 1,596 2,222 1,337
Total Liabilities & Shareholders' Equity		 2,826 2,698 2,572
Total Liabilities		 2,620 2,515 2,414
Non-Interest Bearing Deposits		 125 159 188
Interest Bearing Deposits		 2,264 2,278 2,025
Long-Term Debt		 199 49 173
Other Long-Term Liabilities		 31 28 28
Total Equity & Noncontrolling Interests		 206 183 158
Total Preferred & Common Equity		 206 183 158
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 206 183 158
Common Stock		 12 12 12
Retained Earnings		 215 194 165
Treasury Stock		 -0.91 -0.91 -0.91
Accumulated Other Comprehensive Income / (Loss)		 -20 -21 -18

Quarterly Balance Sheets for Greene County Bancorp

This table presents Greene County Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023
Period end date 12/31/2024 9/30/2024 3/31/2024 12/31/2023 9/30/2023 3/31/2023 12/31/2022 9/30/2022
Total Assets		 2,966 2,875 2,872 2,737 2,688 2,729 2,616 2,584
Cash and Due from Banks		 9.22 25 11 12 23 - - 67
Interest Bearing Deposits at Other Banks		 157 189 245 164 107 - - -
Time Deposits Placed and Other Short-Term Investments		 2.58 2.58 3.08 3.82 4.07 4.58 4.10 3.86
Trading Account Securities		 1,146 365 1,046 1,009 309 317 335 1,087
Loans and Leases, Net of Allowance		 -20 -20 -20 -20 -20 -21 1,368 -22
Allowance for Loan and Lease Losses		 20 20 20 20 20 21 22 22
Premises and Equipment, Net		 15 15 16 15 15 15 14 14
Other Assets		 1,656 2,298 1,571 1,553 2,250 2,217 815 1,434
Total Liabilities & Shareholders' Equity		 2,966 2,875 2,872 2,737 2,688 2,729 2,616 2,584
Total Liabilities		 2,747 2,658 2,672 2,541 2,504 5,023 2,265 2,425
Non-Interest Bearing Deposits		 112 133 131 137 166 2,637 166 183
Interest Bearing Deposits		 2,355 2,353 2,426 2,197 2,254 2,308 2,099 2,144
Long-Term Debt		 251 143 86 179 54 49 - 73
Other Long-Term Liabilities		 29 30 29 28 30 29 - 25
Total Equity & Noncontrolling Interests		 218 216 199 195 184 179 168 160
Total Preferred & Common Equity		 218 216 199 195 184 179 168 160
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 218 216 199 195 184 179 168 160
Common Stock		 12 12 12 12 12 12 12 12
Retained Earnings		 225 219 209 203 198 188 180 174
Treasury Stock		 -0.91 -0.91 -0.91 -0.91 -0.91 -0.91 -0.91 -0.91
Accumulated Other Comprehensive Income / (Loss)		 -18 -14 -20 -19 -25 -20 -23 -25

Annual Metrics And Ratios for Greene County Bancorp

This table displays calculated financial ratios and metrics derived from Greene County Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 6/30/2024 6/30/2023 6/30/2022
Growth Metrics		 - - -
Revenue Growth		 -11.55% 4.59% 11.67%
EBITDA Growth		 -27.65% 16.48% 20.16%
EBIT Growth		 -25.14% 8.88% 19.16%
NOPAT Growth		 -19.54% 10.00% 16.89%
Net Income Growth		 -19.54% 10.00% 16.89%
EPS Growth		 -19.89% 10.37% 16.89%
Operating Cash Flow Growth		 -11.39% -20.49% 27.39%
Free Cash Flow Firm Growth		 -214.65% 198.64% -2,274.08%
Invested Capital Growth		 74.04% -29.62% 92.03%
Revenue Q/Q Growth		 -1.15% -1.08% 1.66%
EBITDA Q/Q Growth		 -3.56% -1.66% 0.08%
EBIT Q/Q Growth		 -1.35% -2.02% -2.46%
NOPAT Q/Q Growth		 1.11% -1.11% -2.80%
Net Income Q/Q Growth		 1.11% -1.11% -2.80%
EPS Q/Q Growth		 0.69% -1.09% -2.80%
Operating Cash Flow Q/Q Growth		 2.82% -11.98% 6.94%
Free Cash Flow Firm Q/Q Growth		 94.11% -94.81% -681.82%
Invested Capital Q/Q Growth		 42.17% 110.37% 60.39%
Profitability Metrics		 - - -
EBITDA Margin		 44.11% 53.92% 48.42%
EBIT Margin		 41.33% 48.83% 46.91%
Profit (Net Income) Margin		 38.17% 41.96% 39.90%
Tax Burden Percent		 92.36% 85.93% 85.05%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 7.64% 14.07% 14.95%
Return on Invested Capital (ROIC)		 7.77% 10.93% 11.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.77% 10.93% 11.13%
Return on Net Nonoperating Assets (RNNOA)		 4.96% 7.13% 7.09%
Return on Equity (ROE)		 12.73% 18.06% 18.21%
Cash Return on Invested Capital (CROIC)		 -46.27% 45.69% -51.90%
Operating Return on Assets (OROA)		 0.97% 1.36% 1.38%
Return on Assets (ROA)		 0.90% 1.17% 1.17%
Return on Common Equity (ROCE)		 12.73% 18.06% 18.21%
Return on Equity Simple (ROE_SIMPLE)		 12.02% 16.80% 17.74%
Net Operating Profit after Tax (NOPAT)		 25 31 28
NOPAT Margin		 38.17% 41.96% 39.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.96% 40.64% 38.29%
Operating Expenses to Revenue		 57.49% 52.63% 48.41%
Earnings before Interest and Taxes (EBIT)		 27 36 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 40 34
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 2.78 2.73 2.38
Price to Tangible Book Value (P/TBV)		 2.78 2.73 2.38
Price to Revenue (P/Rev)		 8.82 6.82 5.36
Price to Earnings (P/E)		 23.11 16.25 13.43
Dividend Yield		 0.95% 0.60% 1.18%
Earnings Yield		 4.33% 6.15% 7.44%
Enterprise Value to Invested Capital (EV/IC)		 1.43 1.50 1.44
Enterprise Value to Revenue (EV/Rev)		 8.91 4.75 6.78
Enterprise Value to EBITDA (EV/EBITDA)		 20.20 8.82 14.01
Enterprise Value to EBIT (EV/EBIT)		 21.56 9.74 14.46
Enterprise Value to NOPAT (EV/NOPAT)		 23.34 11.33 17.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 23.21 12.41 13.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.71 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.97 0.27 1.10
Long-Term Debt to Equity		 0.97 0.27 1.10
Financial Leverage		 0.64 0.65 0.64
Leverage Ratio		 14.19 15.45 15.53
Compound Leverage Factor		 14.19 15.45 15.53
Debt to Total Capital		 49.15% 21.26% 52.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 49.15% 21.26% 52.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.85% 78.74% 47.69%
Debt to EBITDA		 6.96 1.25 5.09
Net Debt to EBITDA		 0.21 -3.83 2.94
Long-Term Debt to EBITDA		 6.96 1.25 5.09
Debt to NOPAT		 8.04 1.61 6.18
Net Debt to NOPAT		 0.24 -4.92 3.57
Long-Term Debt to NOPAT		 8.04 1.61 6.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -148 129 -131
Operating Cash Flow to CapEx		 1,653.92% 1,828.82% 3,363.84%
Free Cash Flow to Firm to Interest Expense		 -2.80 5.50 -24.00
Operating Cash Flow to Interest Expense		 0.47 1.20 6.50
Operating Cash Flow Less CapEx to Interest Expense		 0.44 1.14 6.31
Efficiency Ratios		 - - -
Asset Turnover		 0.02 0.03 0.03
Fixed Asset Turnover		 4.24 4.99 4.92
Capital & Investment Metrics		 - - -
Invested Capital		 405 233 331
Invested Capital Turnover		 0.20 0.26 0.28
Increase / (Decrease) in Invested Capital		 172 -98 158
Enterprise Value (EV)		 578 349 476
Market Capitalization		 572 500 376
Book Value per Share		 $12.10 $10.76 $18.53
Tangible Book Value per Share		 $12.10 $10.76 $18.53
Total Capital		 405 233 331
Total Debt		 199 49 173
Total Long-Term Debt		 199 49 173
Net Debt		 5.91 -152 100
Capital Expenditures (CapEx)		 1.51 1.54 1.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 199 49 173
Total Depreciation and Amortization (D&A)		 1.80 3.73 1.06
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.45 $1.81 $0.82
Adjusted Weighted Average Basic Shares Outstanding		 17.03M 17.03M 34.05M
Adjusted Diluted Earnings per Share		 $1.45 $1.81 $0.82
Adjusted Weighted Average Diluted Shares Outstanding		 17.03M 17.03M 34.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.03M 17.03M 34.05M
Normalized Net Operating Profit after Tax (NOPAT)		 25 31 28
Normalized NOPAT Margin		 38.17% 41.96% 39.90%
Pre Tax Income Margin		 41.33% 48.83% 46.91%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.51 1.53 6.05
NOPAT to Interest Expense		 0.47 1.32 5.15
EBIT Less CapEx to Interest Expense		 0.48 1.46 5.86
NOPAT Less CapEx to Interest Expense		 0.44 1.25 4.95
Payout Ratios		 - - -
Dividend Payout Ratio		 13.08% 7.12% 9.41%
Augmented Payout Ratio		 13.08% 7.12% 9.41%

Quarterly Metrics And Ratios for Greene County Bancorp

This table displays calculated financial ratios and metrics derived from Greene County Bancorp's official financial filings.

Metric Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 13.09% 0.81% -4.35% -14.10% -15.69% -11.59% -4.42% 7.61% 6.37% 9.26% 6.75%
EBITDA Growth		 20.44% -16.69% -13.22% -36.64% -26.62% -30.46% -7.72% 11.32% 19.77% 45.08% 0.32%
EBIT Growth		 26.83% -10.05% -5.10% -34.03% -26.13% -30.07% -9.32% 10.08% 6.80% 26.91% -9.46%
NOPAT Growth		 31.24% -3.22% 4.21% -27.56% -20.71% -28.41% -5.10% 12.56% 4.67% 27.02% -10.60%
Net Income Growth		 31.24% -3.22% 4.21% -27.56% -20.71% -28.41% -5.10% 12.56% 4.67% 27.02% -10.60%
EPS Growth		 29.41% -2.63% 5.26% -29.17% -19.05% -28.30% -5.00% 14.29% 4.67% 27.02% -10.60%
Operating Cash Flow Growth		 165.23% -65.64% 6.57% -27.34% -64.51% 42.20% -26.93% -1.32% -12.69% -36.19% 19.25%
Free Cash Flow Firm Growth		 -396.60% -15,844.29% -258.64% -202.64% 81.35% 103.77% 168.83% 6,519.35% -21.36% 49.39% -1,369.14%
Invested Capital Growth		 25.39% 50.71% 74.04% 112.70% 6.65% 2.47% -29.62% -1,188.39% 40.82% 13.89% 92.03%
Revenue Q/Q Growth		 6.34% 1.79% 5.53% -1.00% -5.21% -3.41% -5.23% -2.83% -0.60% 4.42% 6.70%
EBITDA Q/Q Growth		 24.48% -2.12% 6.59% -7.27% -13.90% 1.96% -22.17% 7.40% -18.41% 35.30% -6.11%
EBIT Q/Q Growth		 20.78% -2.06% 10.46% -2.94% -14.34% 3.32% -23.22% 8.70% -18.91% 33.98% -6.79%
NOPAT Q/Q Growth		 19.63% -7.00% 14.86% 2.70% -11.78% 0.14% -20.16% 12.41% -20.34% 32.75% -5.30%
Net Income Q/Q Growth		 19.63% -7.00% 14.86% 2.70% -11.78% 0.14% -20.16% 12.41% -20.34% 32.75% -5.30%
EPS Q/Q Growth		 18.92% -7.50% 17.65% 0.00% -10.53% 0.00% -20.83% 14.29% -20.34% 32.75% -5.30%
Operating Cash Flow Q/Q Growth		 146.98% -80.57% 98.08% 178.97% -68.01% -39.72% 35.06% 36.25% 28.18% -69.02% 82.40%
Free Cash Flow Firm Q/Q Growth		 23.51% 30.89% 93.44% -14,212.60% -2,525.03% -99.30% -95.75% 2,700.94% -389.76% 87.28% -296.08%
Invested Capital Q/Q Growth		 30.79% -11.44% 42.17% -23.86% 57.20% 2.28% 110.37% -739.52% 51.04% -29.75% 60.39%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.12% 40.25% 41.86% 41.45% 44.25% 48.71% 46.14% 56.19% 50.83% 61.93% 47.79%
EBIT Margin		 45.03% 39.64% 41.20% 39.36% 40.15% 44.43% 41.53% 51.26% 45.82% 56.17% 43.78%
Profit (Net Income) Margin		 41.74% 37.11% 40.61% 37.31% 35.97% 38.65% 37.28% 44.25% 38.25% 47.73% 37.54%
Tax Burden Percent		 92.71% 93.60% 98.57% 94.79% 89.59% 87.00% 89.76% 86.32% 83.47% 84.97% 85.76%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 7.29% 6.40% 1.43% 5.21% 10.41% 13.00% 10.24% 13.68% 16.53% 15.03% 14.24%
Return on Invested Capital (ROIC)		 6.64% 8.08% 8.26% 0.00% 6.77% 11.69% 9.71% 0.00% 9.29% 15.70% 10.47%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.64% 8.08% 8.26% 0.00% 6.77% 11.69% 9.71% 0.00% 9.29% 15.70% 10.47%
Return on Net Nonoperating Assets (RNNOA)		 6.90% 3.97% 5.28% 0.00% 6.73% 4.31% 6.33% 0.00% 7.70% 6.09% 6.67%
Return on Equity (ROE)		 13.54% 12.05% 13.54% 12.97% 13.50% 16.00% 16.04% 18.55% 16.99% 21.78% 17.14%
Cash Return on Invested Capital (CROIC)		 -16.29% -32.22% -46.27% -878.91% 0.93% 9.56% 45.69% 0.00% -23.83% 0.72% -51.90%
Operating Return on Assets (OROA)		 1.06% 0.93% 0.97% 0.92% 1.02% 1.20% 1.16% 1.45% 1.35% 1.66% 1.29%
Return on Assets (ROA)		 0.98% 0.87% 0.95% 0.87% 0.92% 1.04% 1.04% 1.25% 1.12% 1.41% 1.10%
Return on Common Equity (ROCE)		 13.54% 12.05% 13.54% 12.97% 13.50% 16.00% 16.04% 18.55% 16.99% 21.78% 17.14%
Return on Equity Simple (ROE_SIMPLE)		 12.06% 11.36% 0.00% 12.30% 13.69% 15.32% 0.00% 17.42% 17.97% 18.74% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
NOPAT Margin		 41.74% 37.11% 40.61% 37.31% 35.97% 38.65% 37.28% 44.25% 38.25% 47.73% 37.54%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.02% 44.50% 48.53% 49.18% 45.39% 40.95% 47.25% 42.38% 37.16% 36.38% 40.11%
Operating Expenses to Revenue		 52.31% 56.60% 59.71% 58.79% 58.78% 52.84% 57.73% 53.90% 52.88% 46.47% 51.55%
Earnings before Interest and Taxes (EBIT)		 8.08 6.69 6.83 6.18 6.37 7.44 7.20 9.37 8.62 11 7.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.46 6.79 6.94 6.51 7.02 8.15 8.00 10 9.57 12 8.67
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.16 2.43 2.78 2.45 2.43 2.20 2.73 4.25 2.85 2.99 2.38
Price to Tangible Book Value (P/TBV)		 2.16 2.43 2.78 2.45 2.43 2.20 2.73 4.25 2.85 2.99 2.38
Price to Revenue (P/Rev)		 7.03 8.09 8.82 7.43 6.96 5.69 6.82 10.23 6.57 6.64 5.36
Price to Earnings (P/E)		 17.92 21.42 23.11 19.90 17.77 14.34 16.25 24.37 15.84 15.94 13.43
Dividend Yield		 1.23% 1.07% 0.95% 1.08% 0.95% 0.93% 0.60% 0.00% 0.96% 0.95% 1.18%
Earnings Yield		 5.58% 4.67% 4.33% 5.03% 5.63% 6.97% 6.15% 4.10% 6.31% 6.27% 7.44%
Enterprise Value to Invested Capital (EV/IC)		 1.18 1.26 1.43 1.10 1.27 1.36 1.50 0.00 1.35 2.06 1.44
Enterprise Value to Revenue (EV/Rev)		 8.25 6.96 8.91 4.79 6.95 4.56 4.75 10.84 6.52 6.67 6.78
Enterprise Value to EBITDA (EV/EBITDA)		 19.30 16.60 20.20 10.59 14.17 9.01 8.82 19.98 12.12 12.73 14.01
Enterprise Value to EBIT (EV/EBIT)		 19.94 17.36 21.56 11.56 15.60 9.94 9.74 21.98 13.30 13.61 14.46
Enterprise Value to NOPAT (EV/NOPAT)		 21.02 18.43 23.34 12.83 17.73 11.49 11.33 25.81 15.71 16.00 17.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 22.97 21.76 23.21 12.98 18.00 10.82 12.41 25.16 14.82 14.57 13.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 139.81 14.43 2.71 0.32 0.00 304.47 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.15 0.66 0.97 0.43 0.92 0.29 0.27 0.28 0.00 0.46 1.10
Long-Term Debt to Equity		 1.15 0.66 0.97 0.43 0.92 0.29 0.27 0.28 0.00 0.46 1.10
Financial Leverage		 1.04 0.49 0.64 -6.19 1.00 0.37 0.65 -7.07 0.83 0.39 0.64
Leverage Ratio		 13.78 13.89 14.19 14.82 14.73 15.34 15.45 15.65 15.12 15.48 15.53
Compound Leverage Factor		 13.78 13.89 14.19 14.82 14.73 15.34 15.45 15.65 15.12 15.48 15.53
Debt to Total Capital		 53.45% 39.72% 49.15% 30.10% 47.82% 22.65% 21.26% 21.68% 0.00% 31.31% 52.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 53.45% 39.72% 49.15% 30.10% 47.82% 22.65% 21.26% 21.68% 0.00% 31.31% 52.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 46.55% 60.28% 50.85% 69.90% 52.18% 77.35% 78.74% 78.32% 100.00% 68.69% 47.69%
Debt to EBITDA		 8.74 5.23 6.96 2.89 5.35 1.50 1.25 1.23 0.00 1.93 5.09
Net Debt to EBITDA		 2.85 -2.70 0.21 -5.83 -0.03 -2.23 -3.83 1.12 0.00 0.05 2.94
Long-Term Debt to EBITDA		 8.74 5.23 6.96 2.89 5.35 1.50 1.25 1.23 0.00 1.93 5.09
Debt to NOPAT		 9.52 5.80 8.04 3.50 6.70 1.91 1.61 1.59 0.00 2.43 6.18
Net Debt to NOPAT		 3.11 -2.99 0.24 -7.07 -0.04 -2.85 -4.92 1.44 0.00 0.07 3.57
Long-Term Debt to NOPAT		 9.52 5.80 8.04 3.50 6.70 1.91 1.61 1.59 0.00 2.43 6.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -88 -114 -166 -2,523 -18 0.73 104 2,458 -95 -19 -152
Operating Cash Flow to CapEx		 2,933.70% 1,405.23% 5,587.37% 841.11% 1,177.65% 1,320.25% 1,441.81% 2,562.00% 1,553.99% 2,857.79% 4,848.81%
Free Cash Flow to Firm to Interest Expense		 -5.70 -7.82 -11.45 -183.17 -1.34 0.06 11.24 366.55 -20.53 -6.88 -91.99
Operating Cash Flow to Interest Expense		 0.35 0.15 0.76 0.41 0.15 0.56 1.12 1.15 1.23 1.57 8.62
Operating Cash Flow Less CapEx to Interest Expense		 0.33 0.14 0.75 0.36 0.14 0.51 1.04 1.10 1.15 1.51 8.44
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 4.38 4.23 4.24 4.35 4.60 4.81 4.99 5.15 5.13 5.04 4.92
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 469 359 405 285 374 238 233 -2,244 351 232 331
Invested Capital Turnover		 0.16 0.22 0.20 -0.07 0.19 0.30 0.26 -0.07 0.24 0.33 0.28
Increase / (Decrease) in Invested Capital		 95 121 172 2,529 23 5.74 -98 -2,450 102 28 158
Enterprise Value (EV)		 554 453 578 314 474 324 349 804 475 479 476
Market Capitalization		 472 526 572 487 475 405 500 759 479 477 376
Book Value per Share		 $12.83 $12.70 $12.10 $11.70 $11.47 $10.82 $10.76 $20.99 $19.76 $18.75 $18.53
Tangible Book Value per Share		 $12.83 $12.70 $12.10 $11.70 $11.47 $10.82 $10.76 $20.99 $19.76 $18.75 $18.53
Total Capital		 469 359 405 285 374 238 233 228 168 232 331
Total Debt		 251 143 199 86 179 54 49 49 0.00 73 173
Total Long-Term Debt		 251 143 199 86 179 54 49 49 0.00 73 173
Net Debt		 82 -74 5.91 -173 -0.94 -80 -152 45 -4.10 1.98 100
Capital Expenditures (CapEx)		 0.18 0.15 0.20 0.66 0.17 0.47 0.72 0.30 0.36 0.15 0.29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 251 143 199 86 179 54 49 -2,423 183 73 173
Total Depreciation and Amortization (D&A)		 0.38 0.10 0.11 0.33 0.65 0.72 0.80 0.90 0.94 1.09 0.73
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.44 $0.37 $0.40 $0.34 $0.34 $0.38 $0.38 $0.48 $0.21 $0.27 $0.10
Adjusted Weighted Average Basic Shares Outstanding		 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 34.05M 34.05M 68.11M
Adjusted Diluted Earnings per Share		 $0.44 $0.37 $0.40 $0.34 $0.34 $0.38 $0.38 $0.48 $0.21 $0.27 $0.10
Adjusted Weighted Average Diluted Shares Outstanding		 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 34.05M 34.05M 68.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.40 $0.00 $0.00 $0.00 $0.38 $0.00 $0.00 $0.00 $0.10
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 17.03M 34.05M 34.05M 34.05M
Normalized Net Operating Profit after Tax (NOPAT)		 7.49 6.26 6.73 5.86 5.71 6.47 6.46 8.09 7.20 9.04 6.81
Normalized NOPAT Margin		 41.74% 37.11% 40.61% 37.31% 35.97% 38.65% 37.28% 44.25% 38.25% 47.73% 37.54%
Pre Tax Income Margin		 45.03% 39.64% 41.20% 39.36% 40.15% 44.43% 41.53% 51.26% 45.82% 56.17% 43.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.53 0.46 0.47 0.45 0.48 0.66 0.77 1.40 1.87 3.79 4.81
NOPAT to Interest Expense		 0.49 0.43 0.47 0.43 0.43 0.58 0.70 1.21 1.56 3.22 4.13
EBIT Less CapEx to Interest Expense		 0.51 0.45 0.46 0.40 0.47 0.62 0.70 1.35 1.79 3.73 4.64
NOPAT Less CapEx to Interest Expense		 0.48 0.42 0.45 0.38 0.42 0.53 0.62 1.16 1.48 3.17 3.95
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 16.39% 13.89% 13.08% 12.91% 11.54% 10.66% 7.12% 8.84% 8.97% 8.93% 9.41%
Augmented Payout Ratio		 16.39% 13.89% 13.08% 12.91% 11.54% 10.66% 7.12% 8.84% 8.97% 8.93% 9.41%

Frequently Asked Questions About Greene County Bancorp's Financials

When does Greene County Bancorp's financial year end?

According to the most recent income statement we have on file, Greene County Bancorp's fiscal year ends in June. Their fiscal year 2024 ended on June 30, 2024.

How has Greene County Bancorp's net income changed over the last 2 years?

Greene County Bancorp's net income appears to be on a downward trend, with a most recent value of $24.77 million in 2024, falling from $27.99 million in 2022. The previous period was $30.79 million in 2023.

How has Greene County Bancorp revenue changed over the last 2 years?

Over the last 2 years, Greene County Bancorp's total revenue changed from $70.14 million in 2022 to $64.89 million in 2024, a change of -7.5%.

How much debt does Greene County Bancorp have?

Greene County Bancorp's total liabilities were at $2.62 billion at the end of 2024, a 4.2% increase from 2023, and a 8.5% increase since 2022.

How much cash does Greene County Bancorp have?

In the past 2 years, Greene County Bancorp's cash and equivalents has ranged from $13.90 million in 2024 to $69.01 million in 2022, and is currently $13.90 million as of their latest financial filing in 2024.

How has Greene County Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Greene County Bancorp's book value per share changed from 18.53 in 2022 to 12.10 in 2024, a change of -34.7%.


Related Companies

This page (NASDAQ:GCBC) was last updated on 5/24/2025 by MarketBeat.com Staff
From Our Partners
Trump Predicts Dollar Downfall
READ THIS VERY CAREFULLY: If you have $100,000 or more saved for retirement, this may make you VERY angry... ...
Augusta Precious Metals | Sponsored
Elon just did WHAT!?
As you may recall, Biden and the Fed were working on a central bank digital currency, or CBDC. Had they got...
Brownstone Research | Sponsored
$19 for a FULL YEAR of stock picks?!
Invest in Musk's AI Play With Just $100 You don't need deep pockets to ride the next wave of AI wealth. ...
Behind the Markets | Sponsored
Trump Exec Order 14179 is wealth “gift” to good Americans?
Is President Trump’s Executive Order 14179… A secret way to restore wealth for good citizens? If you’ve ...
Paradigm Press | Sponsored
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
Banks aren’t ready for this altcoin—are you?
While everyone's distracted by Bitcoin's moves, a stealth revolution is underway. One altcoin is quietly po...
Crypto 101 Media | Sponsored
Gold Hits New Highs as Global Markets Spiral
When Trump took office in 2017, gold was just $1,100 an ounce. By the time he left, it had soared to $1,839. ...
Premier Gold Co | Sponsored
After Monday, price goes up 600% (hurry)
Right now, for a limited time… You can get up to 52 Money Monday trades for just $7! Thanks to Wall Street’...
Timothy Sykes | Sponsored