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Greene County Bancorp (GCBC) Financials

Greene County Bancorp logo
$28.86 +0.23 (+0.80%)
Closing price 06/10/2026 04:00 PM Eastern
Extended Trading
$28.78 -0.07 (-0.26%)
As of 06/10/2026 05:26 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 Massive. Learn more.
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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 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

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 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

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 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

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 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

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 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

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 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

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 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%

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 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%

Financials Breakdown Chart

Key Financial Trends

Greene County Bancorp’s latest results show a community bank that is still profitable and generating solid operating cash flow, but its balance sheet has become more levered and somewhat less liquid over the last year. Earnings have improved modestly year over year, while deposits and equity have moved in a more mixed direction.

  • Q2 2025 net income came in at $7.5 million, up from $6.3 million in Q1 2025 and $5.7 million in Q2 2024.
  • Diluted EPS improved to $0.44 in Q2 2025 from $0.37 in Q1 2025 and $0.34 in Q2 2024.
  • Net interest income rose to $14.1 million in Q2 2025, helped by higher earning asset income and a better spread than a year ago.
  • Operating cash flow remained positive at $5.3 million in Q2 2025, showing the bank is still converting earnings into cash.
  • Retained earnings increased to $225.4 million at the end of Q2 2025 from $219.5 million in Q1 2025, reflecting ongoing profitability.
  • Interest income continued to grow, with total interest income reaching $29.4 million in Q2 2025 versus $27.8 million in Q1 2025.
  • Non-interest income was fairly steady, at $3.9 million in Q2 2025 versus $3.7 million in Q1 2025.
  • Total assets increased to $3.0 billion in Q2 2025 from $2.9 billion in Q1 2025, indicating continued balance sheet growth.
  • The provision for credit losses remained manageable at $478,000 in Q2 2025, suggesting no major near-term deterioration in credit quality from the reported numbers alone.
  • The company continued paying dividends, with Q2 2025 cash dividends of $1.5 million, supporting shareholder returns.
  • Deposits fell in Q2 2025, with non-interest and interest-bearing deposits down versus Q1 2025, which can pressure funding stability if the trend continues.
  • Long-term debt rose to $250.9 million in Q2 2025 from $142.5 million in Q1 2025, increasing leverage and interest expense risk.
  • Cash and due from banks declined to $9.2 million in Q2 2025 from $24.8 million in Q1 2025, pointing to tighter immediate liquidity.
  • Book equity increased only slightly to $218.4 million while total assets expanded, which implies a thinner equity cushion on a percentage basis.
  • The bank’s cash flow from investing was negative at -$140.5 million in Q2 2025, reflecting heavy securities purchases and a large allocation of cash to the portfolio.

Looking at the last four years, Greene County Bancorp has generally produced stable quarterly earnings in the $5.7 million to $9.0 million range, with a strong run in 2023 before moderating in 2024 and then recovering in early 2025. The main positive is that profitability remains intact and operating cash flow is positive. The main caution is the balance sheet: deposits have been volatile, debt has increased, and liquidity fell in the most recent quarter.

For retail investors, GCBC looks like a profitable but fairly conservative community-banking story with some balance-sheet pressure to watch. The key items to monitor next are deposit trends, debt levels, and whether earnings growth can continue without sacrificing liquidity.

06/11/26 02:12 AM ETAI Generated. May Contain Errors.

Greene County Bancorp Financials - Frequently Asked Questions

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.

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. View Greene County Bancorp's forecast to see where analysts expect Greene County Bancorp to go next.

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%.

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.

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.

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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Financial statements for NASDAQ:GCBC last updated on 4/7/2025 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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