Greene County Bancorp (GCBC) Financials

$22.77 +0.69 (+3.13%)

Closing price 05/2/2025 04:00 PM Eastern

Extended Trading

$22.69 -0.08 (-0.33%)

As of 05/2/2025 04:06 PM Eastern

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Greene County Bancorp's Financials

When does Greene County Bancorp's fiscal year end?

According to the most recent income statement we have on file, Greene County Bancorp's financial year ends in June. Their financial 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%.

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This page (NASDAQ:GCBC) was last updated on 5/4/2025 by MarketBeat.com Staff

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Greene County Bancorp (GCBC) Financials

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Greene County Bancorp (GCBC) Financials

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