Greene County Bancorp (GCBC) Financials

$32.48 -0.37 (-1.13%)

Closing price 07/20/2026 04:00 PM Eastern

Extended Trading

$32.48 +0.00 (+0.00%)

As of 04:01 AM 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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	7.19	8.96	11	14	17	19	24	28	31	25	31
Consolidated Net Income / (Loss)	7.19	8.96	11	14	17	19	24	28	31	25	31
Net Income / (Loss) Continuing Operations	7.19	8.96	11	14	17	19	24	28	31	25	31
Total Pre-Tax Income	9.51	12	15	19	21	22	28	33	36	27	35
Total Revenue	29	32	37	42	48	53	63	70	73	65	75
Net Interest Income / (Expense)	23	26	30	35	40	45	53	58	61	51	60
Total Interest Income	26	29	33	39	46	53	58	63	85	104	118
Loans and Leases Interest Income	20	22	26	30	35	39	45	47	60	72	80
Investment Securities Interest Income	5.76	6.64	7.54	8.88	11	14	13	16	23	28	34
Federal Funds Sold and Securities Borrowed Interest Income	0.02	0.05	0.04	0.35	0.45	0.62	0.08	0.16	1.59	4.02	3.50
Total Interest Expense	2.30	2.58	3.08	4.01	6.31	8.48	5.18	5.44	23	53	58
Deposits Interest Expense	2.03	2.24	2.61	3.64	5.70	8.24	4.22	3.48	20	50	55
Long-Term Debt Interest Expense	0.27	0.34	0.47	0.37	0.61	0.24	0.96	1.96	3.35	2.97	2.53
Total Non-Interest Income	5.70	5.97	6.42	7.48	8.36	8.65	9.67	12	12	14	15
Service Charges on Deposit Accounts	-	-	3.16	3.71	4.12	3.93	3.41	4.44	4.71	4.64	4.87
Other Service Charges	5.29	5.58	2.93	3.31	3.70	4.17	5.10	5.49	5.53	5.93	7.39
Net Realized & Unrealized Capital Gains on Investments	-	-	-	-	-	-	-	0.00	-0.25	0.00	-0.67
Investment Banking Income	0.40	0.38	0.33	0.47	0.54	0.56	0.73	0.94	0.78	1.16	1.09
Other Non-Interest Income	-	-	-	-	-	0.00	0.43	1.27	1.37	2.18	2.55
Provision for Credit Losses	1.56	1.67	1.91	1.53	1.66	3.91	3.97	3.28	-1.07	0.77	1.32
Total Non-Interest Expense	18	19	20	22	26	28	31	34	39	37	39
Salaries and Employee Benefits	9.86	10	12	13	15	17	19	21	23	24	24
Net Occupancy & Equipment Expense	3.79	3.88	4.01	4.20	4.45	5.06	5.43	5.70	5.90	5.54	6.35
Marketing Expense	0.29	0.37	0.39	0.35	0.46	0.47	0.49	0.49	0.50	0.45	0.49
Property & Liability Insurance Claims	0.40	0.42	0.38	0.44	0.46	0.32	0.74	0.83	1.09	1.29	1.37
Other Operating Expenses	3.69	3.71	3.52	4.02	4.82	4.79	5.40	6.28	7.71	6.19	6.75
Income Tax Expense	2.32	2.68	3.74	4.10	3.54	3.03	3.67	4.92	5.04	2.05	3.53
Basic Earnings per Share	$0.85	$1.06	$1.32	$1.69	$2.05	$2.20	$2.81	$1.64	$1.81	$1.45	$1.83
Weighted Average Basic Shares Outstanding	8.44M	8.46M	8.50M	8.51M	8.54M	8.53M	8.51M	17.03M	17.03M	17.03M	17.03M
Diluted Earnings per Share	$0.85	$1.06	$1.31	$1.69	$2.05	$2.20	$2.81	$1.64	$1.81	$1.45	$1.83
Weighted Average Diluted Shares Outstanding	8.50M	8.48M	8.51M	8.53M	8.54M	8.53M	8.51M	17.03M	17.03M	17.03M	17.03M
Weighted Average Basic & Diluted Shares Outstanding	4.22M	8.49M	8.50M	8.54M	8.54M	8.51M	8.51M	8.51M	17.03M	17.03M	17.03M
Cash Dividends to Common per Share	$0.36	$0.37	$0.38	$0.39	$0.40	$0.44	$0.48	$0.26	$0.28	$0.32	$0.36

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Consolidated Net Income / (Loss)	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Net Income / (Loss) Continuing Operations	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Total Pre-Tax Income	7.44	6.37	6.18	6.83	6.69	8.08	8.94	11	10	12	12
Total Revenue	17	16	16	17	17	18	20	20	22	22	24
Net Interest Income / (Expense)	13	12	12	13	13	14	16	17	18	19	20
Total Interest Income	25	26	26	27	28	29	30	31	32	33	33
Loans and Leases Interest Income	17	18	18	18	19	19	20	21	22	22	22
Investment Securities Interest Income	6.55	6.71	7.17	7.67	7.84	8.54	8.86	8.98	9.18	10	10
Federal Funds Sold and Securities Borrowed Interest Income	0.92	1.11	0.84	1.16	0.69	1.40	0.73	0.69	0.47	0.91	0.36
Total Interest Expense	11	13	14	14	15	15	14	14	14	14	12
Deposits Interest Expense	11	13	13	14	14	15	13	14	13	14	12
Long-Term Debt Interest Expense	0.63	0.65	0.83	0.87	0.83	0.61	0.57	0.52	0.74	0.51	0.42
Total Non-Interest Income	3.30	3.48	3.41	3.72	3.74	3.88	3.86	3.77	3.99	3.16	3.70
Service Charges on Deposit Accounts	1.23	1.23	1.01	1.17	1.23	1.27	1.19	1.18	1.30	1.31	1.19
Other Service Charges	1.46	1.47	1.52	1.47	1.62	1.71	2.41	1.66	1.76	1.48	1.51
Net Realized & Unrealized Capital Gains on Investments	-	-	0.00	-	-	0.00	-0.67	-	-	-0.58	0.00
Investment Banking Income	0.24	0.21	0.27	0.44	0.25	0.25	0.30	0.29	0.28	0.27	0.30
Other Non-Interest Income	0.36	0.57	0.62	0.63	0.65	0.64	0.63	0.64	0.65	0.67	0.71
Provision for Credit Losses	0.46	0.17	0.29	-0.15	0.63	0.48	1.08	-0.88	1.26	0.20	0.45
Total Non-Interest Expense	8.85	9.33	9.23	9.90	9.55	9.39	10	10	10	10	11
Salaries and Employee Benefits	5.49	5.65	6.10	6.59	5.88	5.65	6.20	6.69	6.16	6.22	6.78
Net Occupancy & Equipment Expense	1.27	1.45	1.50	1.33	1.55	1.58	1.62	1.60	1.65	1.65	1.83
Marketing Expense	0.10	0.10	0.12	0.12	0.08	0.13	0.14	0.15	0.10	0.15	0.11
Property & Liability Insurance Claims	0.31	0.31	0.33	0.34	0.32	0.35	0.35	0.35	0.37	0.37	0.37
Other Operating Expenses	1.68	1.81	1.18	1.52	1.72	1.68	1.74	1.61	1.79	2.07	2.18
Income Tax Expense	0.97	0.66	0.32	0.10	0.43	0.59	0.89	1.62	1.32	1.27	1.64
Basic Earnings per Share	$0.38	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62
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	$0.38	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62
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
Weighted Average Basic & Diluted Shares Outstanding	17.03M	17.03M	17.03M	17.03M	17.03M	17.03M	-	0.00	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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025
Net Change in Cash & Equivalents	1.73	0.36	0.38	10	3.03	11	109	-81	127	-6.05	-7.32
Net Cash From Operating Activities	13	14	14	21	22	27	28	35	28	25	28
Net Cash From Continuing Operating Activities	13	14	14	21	22	27	28	35	28	25	28
Net Income / (Loss) Continuing Operations	7.19	8.96	11	14	17	19	24	28	31	25	31
Consolidated Net Income / (Loss)	7.19	8.96	11	14	17	19	24	28	31	25	31
Provision For Loan Losses	1.56	1.67	1.91	1.53	1.66	3.91	3.97	3.28	-1.07	0.77	1.32
Depreciation Expense	0.55	0.63	0.64	0.64	0.64	0.71	0.78	0.83	0.87	0.93	1.07
Amortization Expense	1.51	1.11	1.28	1.11	-0.80	1.74	-0.13	0.23	2.86	0.88	0.27
Non-Cash Adjustments to Reconcile Net Income	0.61	-0.54	-0.24	0.01	-0.97	-1.06	-2.56	-1.96	-1.27	-2.34	-2.66
Changes in Operating Assets and Liabilities, net	1.39	1.75	-0.73	2.98	3.69	2.70	1.75	4.99	-4.06	-0.09	-3.15
Net Cash From Investing Activities	-67	-132	-116	-163	-115	-397	-417	-471	0.66	-129	-210
Net Cash From Continuing Investing Activities	-67	-132	-116	-163	-115	-397	-417	-471	0.66	-129	-210
Purchase of Property, Leasehold Improvements and Equipment	-0.75	-0.29	-0.08	-0.32	-0.59	-1.12	-1.25	-1.05	-1.54	-1.51	-0.69
Purchase of Investment Securities	-118	-207	-220	-267	-276	-605	-761	-825	-365	-445	-573
Sale and/or Maturity of Investments	52	74	105	104	161	209	344	354	367	317	363
Net Cash From Financing Activities	55	119	102	153	97	382	499	355	99	98	175
Net Cash From Continuing Financing Activities	55	119	102	153	97	382	499	355	99	98	175
Net Change in Deposits	33	116	121	166	95	381	504	207	225	-48	251
Issuance of Debt	24	4.70	4.85	0.00	8.95	18	20	30	0.00	34	4.19
Repayment of Debt	-	0.00	-22	-11	-5.50	-14	-22	121	-124	115	-75
Payment of Dividends	-1.80	-1.85	-1.92	-1.53	-2.04	-2.24	-2.43	-2.63	-2.19	-3.24	-4.48
Cash Interest Paid	2.30	2.57	3.06	4.02	6.29	8.47	4.96	5.18	23	52	58
Cash Income Taxes Paid	0.13	2.80	5.56	2.33	4.40	3.12	6.30	5.60	6.31	1.80	1.17

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-66	46	80	-65	23	-47	-11	28	-29	-30	15
Net Cash From Operating Activities	6.26	2.00	5.59	11	2.15	5.31	7.31	13	6.95	6.43	11
Net Cash From Continuing Operating Activities	6.26	2.00	5.59	11	2.15	5.31	7.31	13	6.95	6.43	11
Net Income / (Loss) Continuing Operations	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Consolidated Net Income / (Loss)	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Provision For Loan Losses	0.46	0.17	0.29	-0.15	0.63	0.48	1.08	-0.88	1.26	0.20	0.45
Depreciation Expense	0.22	0.22	0.25	0.24	0.26	0.26	0.27	0.28	0.28	0.28	0.28
Amortization Expense	0.50	0.43	0.08	-0.13	-0.16	0.11	0.20	0.11	0.02	-0.74	-0.51
Non-Cash Adjustments to Reconcile Net Income	-1.09	0.09	-0.19	-1.15	-1.20	-2.16	0.17	0.53	-0.89	-2.83	-0.30
Changes in Operating Assets and Liabilities, net	-0.30	-4.61	-0.70	5.52	-3.65	-0.88	-2.46	3.84	-2.58	-0.78	0.23
Net Cash From Investing Activities	-59	5.10	-54	-21	-18	-140	-48	-4.03	-44	-114	-18
Net Cash From Continuing Investing Activities	-59	5.10	-54	-21	-18	-140	-48	-4.03	-44	-114	-18
Purchase of Property, Leasehold Improvements and Equipment	-0.47	-0.17	-0.66	-0.20	-0.15	-0.18	-0.05	-0.31	-0.40	-0.21	-0.01
Purchase of Investment Securities	-125	-74	-93	-163	-117	-215	-121	-120	-137	-394	-166
Sale and/or Maturity of Investments	67	79	39	142	100	75	73	116	93	280	147
Net Cash From Financing Activities	-14	39	128	-55	38	88	30	18	8.57	77	23
Net Cash From Continuing Financing Activities	-14	39	128	-55	38	88	30	18	8.57	77	23
Net Change in Deposits	-17	-86	222	-168	97	-19	187	-15	83	-82	132
Repayment of Debt	0.00	-	-123	113	-57	29	-78	30	-74	54	-0.80
Payment of Dividends	-1.36	-0.63	-0.63	-0.62	-1.53	-1.54	-0.70	-0.70	-0.78	-0.79	-1.70
Cash Interest Paid	12	13	14	14	15	16	14	13	15	14	13
Cash Income Taxes Paid	0.36	0.64	0.53	0.28	0.32	0.34	0.16	0.34	0.27	1.34	0.23

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025
Total Assets	739	869	982	1,151	1,269	1,677	2,200	2,572	2,698	2,826	3,041
Cash and Due from Banks	16	16	16	27	30	40	150	69	15	14	13
Interest Bearing Deposits at Other Banks	-	-	-	-	-	-	-	-	181	176	170
Time Deposits Placed and Other Short-Term Investments	1.23	2.21	2.15	2.39	2.88	4.07	4.55	4.11	4.58	2.83	1.43
Trading Account Securities	255	305	315	396	427	611	888	1,170	281	1,041	1,133
Loans and Leases, Net of Allowance	443	523	624	704	786	-19	-22	-23	-21	-19	-20
Allowance for Loan and Lease Losses	8.14	9.49	11	12	13	16	20	23	21	19	20
Premises and Equipment, Net	15	14	14	13	13	14	14	14	15	16	15
Other Assets	8.83	8.68	11	9.28	11	1,027	1,166	1,337	2,222	1,596	1,728
Total Liabilities & Shareholders' Equity	739	869	982	1,151	1,269	1,677	2,200	2,572	2,698	2,826	3,041
Total Liabilities	672	794	899	1,055	1,157	1,548	2,051	2,414	2,515	2,620	2,802
Non-Interest Bearing Deposits	74	88	96	103	107	138	174	188	159	125	110
Interest Bearing Deposits	549	651	764	923	1,013	1,363	1,831	2,025	2,278	2,264	2,530
Long-Term Debt	42	20	23	18	14	7.60	20	173	49	199	128
Other Long-Term Liabilities	7.31	9.19	9.69	12	15	21	23	28	28	31	34
Total Equity & Noncontrolling Interests	67	74	84	96	112	129	150	158	183	206	239
Total Preferred & Common Equity	67	74	84	96	112	129	150	158	183	206	239
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	67	74	84	96	112	129	150	158	183	206	239
Common Stock	12	12	12	12	12	12	12	12	12	12	12
Retained Earnings	57	64	73	86	102	118	140	165	194	215	241
Treasury Stock	-0.63	-0.51	-0.41	-0.28	-0.28	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91
Accumulated Other Comprehensive Income / (Loss)	-0.80	-0.73	-0.99	-1.62	-1.01	-0.43	-1.16	-18	-21	-20	-14

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 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	12/31/2022	3/31/2023	9/30/2023	12/31/2023	3/31/2024	9/30/2024	12/31/2024	3/31/2025	9/30/2025	12/31/2025	3/31/2026
Total Assets	2,616	2,729	2,688	2,737	2,872	2,875	2,966	3,008	3,059	3,147	3,181
Cash and Due from Banks	-	-	23	12	11	25	9.22	13	27	8.80	11
Interest Bearing Deposits at Other Banks	-	-	107	164	245	189	157	143	127	115	129
Time Deposits Placed and Other Short-Term Investments	4.10	4.58	4.07	3.82	3.08	2.58	2.58	1.64	1.43	1.23	1.23
Trading Account Securities	335	317	309	1,009	1,046	365	1,146	1,137	1,138	1,222	1,185
Loans and Leases, Net of Allowance	1,368	-21	-20	-20	-20	-20	-20	-21	-21	-21	-22
Allowance for Loan and Lease Losses	22	21	20	20	20	20	20	21	21	21	22
Premises and Equipment, Net	14	15	15	15	16	15	15	15	15	15	15
Other Assets	815	2,217	2,250	1,553	1,571	2,298	1,656	1,720	1,771	1,805	1,862
Total Liabilities & Shareholders' Equity	2,616	2,729	2,688	2,737	2,872	2,875	2,966	3,008	3,059	3,147	3,181
Total Liabilities	2,265	5,023	2,504	2,541	2,672	2,658	2,747	2,779	2,810	2,889	2,914
Non-Interest Bearing Deposits	166	2,637	166	137	131	133	112	116	123	105	109
Interest Bearing Deposits	2,099	2,308	2,254	2,197	2,426	2,353	2,355	2,539	2,600	2,536	2,663
Long-Term Debt	-	49	54	179	86	143	251	94	54	214	107
Other Long-Term Liabilities	-	29	30	28	29	30	29	30	33	34	34
Total Equity & Noncontrolling Interests	168	179	184	195	199	216	218	229	248	258	268
Total Preferred & Common Equity	168	179	184	195	199	216	218	229	248	258	268
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	168	179	184	195	199	216	218	229	248	258	268
Common Stock	12	12	12	12	12	12	12	12	12	12	12
Retained Earnings	180	188	198	203	209	219	225	233	249	259	268
Treasury Stock	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91
Accumulated Other Comprehensive Income / (Loss)	-23	-20	-25	-19	-20	-14	-18	-15	-12	-12	-11

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

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025
DEI Shares Outstanding	4,222,357.00	8,474,414.00	8,502,614.00	8,526,614.00	8,537,814.00	8,513,414.00	8,513,414.00	-	-	-	17,026,828.00
DEI Adjusted Shares Outstanding	33,778,856.00	33,897,656.00	34,010,456.00	34,106,456.00	34,151,256.00	34,053,656.00	34,053,656.00	-	-	-	17,026,828.00
DEI Earnings Per Adjusted Shares Outstanding	0.21	0.26	0.33	0.42	0.51	0.55	0.70	-	-	-	1.83
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	9.05%	10.62%	14.35%	15.19%	14.07%	10.59%	17.44%	11.67%	4.59%	-11.55%	16.13%
EBITDA Growth	-2.29%	15.68%	25.91%	20.19%	3.05%	16.01%	16.76%	20.16%	16.48%	-27.65%	25.77%
EBIT Growth	4.88%	22.46%	28.23%	23.95%	13.64%	3.47%	26.93%	19.16%	8.88%	-25.14%	29.26%
NOPAT Growth	10.13%	24.68%	24.81%	28.79%	21.35%	7.11%	27.85%	16.89%	10.00%	-19.54%	25.71%
Net Income Growth	10.13%	24.68%	24.81%	28.79%	21.35%	7.11%	27.85%	16.89%	10.00%	-19.54%	25.71%
EPS Growth	10.13%	24.71%	23.58%	29.01%	21.30%	7.32%	27.73%	16.89%	10.37%	-19.89%	26.21%
Operating Cash Flow Growth	12.41%	6.12%	3.44%	47.15%	4.61%	23.57%	3.85%	27.39%	-20.49%	-11.39%	12.33%
Free Cash Flow Firm Growth	-1,299.07%	86.19%	703.50%	-30.18%	-116.32%	25.70%	476.84%	-2,274.08%	198.64%	-214.65%	147.01%
Invested Capital Growth	37.76%	11.12%	-6.32%	1.12%	17.17%	15.17%	11.63%	92.03%	-29.62%	74.04%	-9.44%
Revenue Q/Q Growth	2.57%	2.74%	3.47%	4.44%	2.24%	3.37%	4.60%	1.66%	-1.08%	-1.15%	5.45%
EBITDA Q/Q Growth	0.52%	5.53%	4.63%	3.48%	-5.62%	11.85%	9.23%	0.08%	-1.66%	-3.56%	13.95%
EBIT Q/Q Growth	1.80%	6.63%	5.35%	4.41%	1.64%	2.11%	14.13%	-2.46%	-2.02%	-1.35%	13.51%
NOPAT Q/Q Growth	3.84%	6.07%	4.92%	5.58%	3.22%	2.95%	13.86%	-2.80%	-1.11%	1.11%	9.11%
Net Income Q/Q Growth	3.84%	6.07%	4.92%	5.58%	3.22%	2.95%	13.86%	-2.80%	-1.11%	1.11%	9.11%
EPS Q/Q Growth	3.84%	6.00%	4.80%	5.63%	3.54%	3.29%	13.77%	-2.80%	-1.09%	0.69%	8.93%
Operating Cash Flow Q/Q Growth	-1.13%	3.69%	-5.41%	15.36%	-0.17%	10.07%	12.11%	6.94%	-11.98%	2.82%	8.32%
Free Cash Flow Firm Q/Q Growth	-1,067.58%	-85.37%	12,561.59%	89.66%	-131.34%	-179.14%	331.96%	-681.82%	-94.81%	94.11%	826.89%
Invested Capital Q/Q Growth	30.63%	29.39%	8.62%	3.18%	10.80%	12.54%	7.17%	60.39%	110.37%	42.17%	13.57%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	39.75%	41.57%	45.77%	47.76%	43.15%	45.26%	45.00%	48.42%	53.92%	44.11%	47.77%
EBIT Margin	32.68%	36.17%	40.56%	43.64%	43.48%	40.68%	43.96%	46.91%	48.83%	41.33%	46.00%
Profit (Net Income) Margin	24.71%	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%
Tax Burden Percent	75.62%	76.99%	74.94%	77.87%	83.15%	86.08%	86.70%	85.05%	85.93%	92.36%	89.82%
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	24.38%	23.01%	25.06%	22.13%	16.85%	13.92%	13.30%	14.95%	14.07%	7.64%	10.18%
Return on Invested Capital (ROIC)	7.67%	7.82%	9.57%	12.67%	14.08%	12.99%	14.67%	11.13%	10.93%	7.77%	8.07%
ROIC Less NNEP Spread (ROIC-NNEP)	7.67%	7.82%	9.57%	12.67%	14.08%	12.99%	14.67%	11.13%	10.93%	7.77%	8.07%
Return on Net Nonoperating Assets (RNNOA)	3.55%	4.88%	4.61%	3.36%	2.68%	2.54%	2.54%	7.09%	7.13%	4.96%	5.93%
Return on Equity (ROE)	11.22%	12.69%	14.18%	16.03%	16.77%	15.53%	17.20%	18.21%	18.06%	12.73%	14.00%
Cash Return on Invested Capital (CROIC)	-24.09%	-2.72%	16.10%	11.55%	-1.73%	-1.11%	3.68%	-51.90%	45.69%	-46.27%	17.97%
Operating Return on Assets (OROA)	1.35%	1.45%	1.61%	1.73%	1.74%	1.48%	1.42%	1.38%	1.36%	0.97%	1.18%
Return on Assets (ROA)	1.02%	1.12%	1.21%	1.35%	1.44%	1.27%	1.24%	1.17%	1.17%	0.90%	1.06%
Return on Common Equity (ROCE)	11.22%	12.69%	14.18%	16.03%	16.77%	15.53%	17.20%	18.21%	18.06%	12.73%	14.00%
Return on Equity Simple (ROE_SIMPLE)	10.74%	12.06%	13.39%	14.98%	15.56%	14.54%	16.01%	17.74%	16.80%	12.02%	13.04%
Net Operating Profit after Tax (NOPAT)	7.19	8.96	11	14	17	19	24	28	31	25	31
NOPAT Margin	24.71%	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%
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	47.89%	45.81%	43.65%	42.23%	42.18%	42.46%	39.94%	38.29%	40.64%	45.96%	41.47%
Operating Expenses to Revenue	61.98%	58.63%	54.25%	52.75%	53.09%	52.02%	49.71%	48.41%	52.63%	57.49%	52.25%
Earnings before Interest and Taxes (EBIT)	9.51	12	15	19	21	22	28	33	36	27	35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	12	13	17	20	21	24	28	34	40	29	36
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.55	1.64	2.50	2.75	2.07	1.39	1.54	2.38	2.73	2.78	0.00
Price to Tangible Book Value (P/TBV)	1.55	1.64	2.50	2.75	2.07	1.39	1.54	2.38	2.73	2.78	0.00
Price to Revenue (P/Rev)	3.58	3.80	5.68	6.24	4.81	3.35	3.66	5.36	6.82	8.82	0.00
Price to Earnings (P/E)	14.47	13.63	18.67	18.36	13.31	9.56	9.61	13.43	16.25	23.11	0.00
Dividend Yield	2.92%	2.56%	1.55%	1.26%	1.47%	2.09%	1.78%	1.18%	0.60%	0.95%	1.63%
Earnings Yield	6.91%	7.34%	5.36%	5.45%	7.51%	10.46%	10.40%	7.44%	6.15%	4.33%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.19	1.25	1.95	2.22	1.66	1.04	0.57	1.44	1.50	1.43	0.00
Enterprise Value to Revenue (EV/Rev)	4.43	4.67	5.98	5.99	4.59	2.99	1.57	6.78	4.75	8.91	0.00
Enterprise Value to EBITDA (EV/EBITDA)	11.15	11.24	13.06	12.53	10.64	6.61	3.48	14.01	8.82	20.20	0.00
Enterprise Value to EBIT (EV/EBIT)	13.56	12.92	14.74	13.72	10.56	7.35	3.57	14.46	9.74	21.56	0.00
Enterprise Value to NOPAT (EV/NOPAT)	17.94	16.79	19.67	17.61	12.69	8.54	4.11	17.00	11.33	23.34	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	10.08	11.08	15.66	12.28	10.26	5.99	3.55	13.46	12.41	23.21	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	11.69	19.32	0.00	0.00	16.41	0.00	2.71	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.62	0.62	0.35	0.19	0.19	0.20	0.15	1.10	0.27	0.97	0.54
Long-Term Debt to Equity	0.62	0.27	0.27	0.19	0.12	0.06	0.13	1.10	0.27	0.97	0.54
Financial Leverage	0.46	0.62	0.48	0.27	0.19	0.20	0.17	0.64	0.65	0.64	0.74
Leverage Ratio	11.03	11.38	11.73	11.87	11.61	12.22	13.93	15.53	15.45	14.19	13.19
Compound Leverage Factor	11.03	11.38	11.73	11.87	11.61	12.22	13.93	15.53	15.45	14.19	13.19
Debt to Total Capital	38.39%	38.44%	26.13%	15.87%	16.12%	16.52%	13.15%	52.31%	21.26%	49.15%	34.90%
Short-Term Debt to Total Capital	0.00%	21.62%	6.10%	0.00%	5.97%	11.59%	1.74%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	38.39%	16.82%	20.03%	15.87%	10.15%	4.93%	11.41%	52.31%	21.26%	49.15%	34.90%
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	61.61%	61.56%	73.87%	84.13%	83.88%	83.48%	86.85%	47.69%	78.74%	50.85%	65.10%
Debt to EBITDA	3.61	3.47	1.75	0.90	1.04	1.05	0.80	5.09	1.25	6.96	3.56
Net Debt to EBITDA	2.16	2.11	0.66	-0.53	-0.52	-0.79	-4.66	2.94	-3.83	0.21	-1.57
Long-Term Debt to EBITDA	3.61	1.52	1.34	0.90	0.65	0.31	0.70	5.09	1.25	6.96	3.56
Debt to NOPAT	5.80	5.18	2.64	1.26	1.24	1.36	0.95	6.18	1.61	8.04	4.11
Net Debt to NOPAT	3.47	3.16	0.99	-0.75	-0.62	-1.02	-5.50	3.57	-4.92	0.24	-1.81
Long-Term Debt to NOPAT	5.80	2.26	2.02	1.26	0.78	0.41	0.82	6.18	1.61	8.04	4.11
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)	-23	-3.12	19	13	-2.14	-1.59	6.00	-131	129	-148	69
Operating Cash Flow to CapEx	1,699.60%	4,683.10%	18,484.21%	6,380.25%	3,671.48%	2,394.53%	2,213.16%	3,363.84%	1,828.82%	1,653.92%	4,048.91%
Free Cash Flow to Firm to Interest Expense	-9.81	-1.21	6.12	3.27	-0.34	-0.19	1.16	-24.00	5.50	-2.80	1.20
Operating Cash Flow to Interest Expense	5.56	5.26	4.57	5.15	3.43	3.15	5.35	6.50	1.20	0.47	0.49
Operating Cash Flow Less CapEx to Interest Expense	5.23	5.15	4.54	5.07	3.33	3.02	5.11	6.31	1.14	0.44	0.47
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.02	0.03
Fixed Asset Turnover	2.02	2.24	2.65	3.15	3.64	3.97	4.52	4.92	4.99	4.24	4.89
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	109	121	113	114	134	154	172	331	233	405	367
Invested Capital Turnover	0.31	0.28	0.31	0.37	0.39	0.37	0.38	0.28	0.26	0.20	0.20
Increase / (Decrease) in Invested Capital	30	12	-7.63	1.27	20	20	18	158	-98	172	-38
Enterprise Value (EV)	129	150	220	254	222	160	98	476	349	578	0.00
Market Capitalization	104	122	209	265	233	179	230	376	500	572	0.00
Book Value per Share	$15.85	$8.77	$9.82	$11.28	$13.16	$15.13	$17.57	$18.53	$10.76	$12.10	$14.03
Tangible Book Value per Share	$15.85	$8.77	$9.82	$11.28	$13.16	$15.13	$17.57	$18.53	$10.76	$12.10	$14.03
Total Capital	109	121	113	114	134	154	172	331	233	405	367
Total Debt	42	46	30	18	22	25	23	173	49	199	128
Total Long-Term Debt	42	20	23	18	14	7.60	20	173	49	199	128
Net Debt	25	28	11	-11	-11	-19	-132	100	-152	5.91	-56
Capital Expenditures (CapEx)	0.75	0.29	0.08	0.32	0.59	1.12	1.25	1.05	1.54	1.51	0.69
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)	42	46	30	18	22	25	23	173	49	199	128
Total Depreciation and Amortization (D&A)	2.06	1.74	1.92	1.75	-0.16	2.45	0.65	1.06	3.73	1.80	1.33
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.21	$0.27	$0.33	$0.42	$0.51	$0.55	$0.70	$0.82	$1.81	$1.45	$1.83
Adjusted Weighted Average Basic Shares Outstanding	33.75M	33.84M	33.98M	34.05M	34.15M	34.12M	34.05M	34.05M	17.03M	17.03M	17.03M
Adjusted Diluted Earnings per Share	$0.21	$0.27	$0.33	$0.42	$0.51	$0.55	$0.70	$0.82	$1.81	$1.45	$1.83
Adjusted Weighted Average Diluted Shares Outstanding	33.99M	33.91M	34.05M	34.14M	34.15M	34.12M	34.05M	34.05M	17.03M	17.03M	17.03M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	33.80M	33.95M	34.01M	34.15M	34.15M	34.05M	34.05M	34.05M	17.03M	17.03M	0.00
Normalized Net Operating Profit after Tax (NOPAT)	7.19	8.96	11	14	17	19	24	28	31	25	31
Normalized NOPAT Margin	24.71%	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%
Pre Tax Income Margin	32.68%	36.17%	40.56%	43.64%	43.48%	40.68%	43.96%	46.91%	48.83%	41.33%	46.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.13	4.51	4.85	4.61	3.33	2.57	5.33	6.05	1.53	0.51	0.60
NOPAT to Interest Expense	3.12	3.47	3.64	3.59	2.77	2.21	4.62	5.15	1.32	0.47	0.54
EBIT Less CapEx to Interest Expense	3.80	4.40	4.83	4.53	3.24	2.43	5.09	5.86	1.46	0.48	0.59
NOPAT Less CapEx to Interest Expense	2.80	3.36	3.61	3.51	2.68	2.08	4.38	4.95	1.25	0.44	0.53
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	25.01%	20.69%	17.16%	10.59%	11.65%	11.95%	10.15%	9.41%	7.12%	13.08%	14.37%
Augmented Payout Ratio	25.01%	20.69%	17.16%	10.59%	11.65%	15.32%	10.15%	9.41%	7.12%	13.08%	14.37%

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

Metric	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.47	0.55	0.52	0.60	0.62
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-11.59%	-15.69%	-14.10%	-4.35%	0.81%	13.09%	27.76%	23.50%	27.46%	23.81%	19.03%
EBITDA Growth	-30.46%	-26.62%	-36.64%	-13.22%	-16.69%	20.44%	44.49%	63.51%	54.39%	31.25%	26.84%
EBIT Growth	-30.07%	-26.13%	-34.03%	-5.10%	-10.05%	26.83%	44.61%	60.42%	52.31%	43.05%	35.99%
NOPAT Growth	-28.41%	-20.71%	-27.56%	4.21%	-3.22%	31.24%	37.42%	38.64%	41.67%	37.41%	30.64%
Net Income Growth	-28.41%	-20.71%	-27.56%	4.21%	-3.22%	31.24%	37.42%	38.64%	41.67%	37.41%	30.64%
EPS Growth	-28.30%	-19.05%	-29.17%	5.26%	-2.63%	29.41%	38.24%	37.50%	40.54%	36.36%	31.91%
Operating Cash Flow Growth	42.20%	-64.51%	-27.34%	6.57%	-65.64%	165.23%	30.80%	19.43%	223.26%	21.05%	46.08%
Free Cash Flow Firm Growth	103.77%	81.35%	-202.64%	-258.64%	-15,844.29%	-396.60%	98.81%	128.73%	157.14%	108.23%	-37.72%
Invested Capital Growth	2.47%	6.65%	112.70%	74.04%	50.71%	25.39%	13.36%	-9.44%	-15.76%	0.66%	16.06%
Revenue Q/Q Growth	-3.41%	-5.21%	-1.00%	5.53%	1.79%	6.34%	11.84%	2.01%	5.06%	3.30%	7.52%
EBITDA Q/Q Growth	1.96%	-13.90%	-7.27%	6.59%	-2.12%	24.48%	11.25%	20.63%	-7.58%	5.83%	7.52%
EBIT Q/Q Growth	3.32%	-14.34%	-2.94%	10.46%	-2.06%	20.78%	10.67%	22.55%	-7.02%	13.44%	5.21%
NOPAT Q/Q Growth	0.14%	-11.78%	2.70%	14.86%	-7.00%	19.63%	7.53%	15.88%	-4.96%	16.03%	2.23%
Net Income Q/Q Growth	0.14%	-11.78%	2.70%	14.86%	-7.00%	19.63%	7.53%	15.88%	-4.96%	16.03%	2.23%
EPS Q/Q Growth	0.00%	-10.53%	0.00%	17.65%	-7.50%	18.92%	6.82%	17.02%	-5.45%	15.38%	3.33%
Operating Cash Flow Q/Q Growth	-39.72%	-68.01%	178.97%	98.08%	-80.57%	146.98%	37.57%	80.88%	-47.40%	-7.51%	66.01%
Free Cash Flow Firm Q/Q Growth	-99.30%	-2,525.03%	-14,212.60%	93.44%	30.89%	23.51%	65.70%	258.44%	37.48%	-88.98%	-673.99%
Invested Capital Q/Q Growth	2.28%	57.20%	-23.86%	42.17%	-11.44%	30.79%	-31.16%	13.57%	-17.61%	56.28%	-20.63%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	48.71%	44.25%	41.45%	41.86%	40.25%	47.12%	46.87%	55.42%	48.76%	49.95%	49.95%
EBIT Margin	44.43%	40.15%	39.36%	41.20%	39.64%	45.03%	44.56%	53.52%	47.37%	52.02%	50.91%
Profit (Net Income) Margin	38.65%	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%
Tax Burden Percent	87.00%	89.59%	94.79%	98.57%	93.60%	92.71%	90.08%	85.18%	87.06%	89.05%	86.54%
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	13.00%	10.41%	5.21%	1.43%	6.40%	7.29%	9.92%	14.82%	12.94%	10.95%	13.46%
Return on Invested Capital (ROIC)	11.69%	6.77%	0.00%	8.26%	8.08%	6.64%	9.43%	8.90%	9.98%	8.29%	11.12%
ROIC Less NNEP Spread (ROIC-NNEP)	11.69%	6.77%	0.00%	8.26%	8.08%	6.64%	9.43%	8.90%	9.98%	8.29%	11.12%
Return on Net Nonoperating Assets (RNNOA)	4.31%	6.73%	0.00%	5.28%	3.97%	6.90%	3.96%	6.55%	4.22%	8.09%	4.51%
Return on Equity (ROE)	16.00%	13.50%	12.97%	13.54%	12.05%	13.54%	13.39%	15.45%	14.21%	16.38%	15.63%
Cash Return on Invested Capital (CROIC)	9.56%	0.93%	-878.91%	-46.27%	-32.22%	-16.29%	-3.14%	17.97%	27.31%	7.11%	-3.69%
Operating Return on Assets (OROA)	1.20%	1.02%	0.92%	0.97%	0.93%	1.06%	1.08%	1.38%	1.28%	1.43%	1.45%
Return on Assets (ROA)	1.04%	0.92%	0.87%	0.95%	0.87%	0.98%	0.98%	1.17%	1.11%	1.28%	1.25%
Return on Common Equity (ROCE)	16.00%	13.50%	12.97%	13.54%	12.05%	13.54%	13.39%	15.45%	14.21%	16.38%	15.63%
Return on Equity Simple (ROE_SIMPLE)	15.32%	13.69%	12.30%	0.00%	11.36%	12.06%	12.46%	0.00%	13.60%	14.15%	14.58%
Net Operating Profit after Tax (NOPAT)	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
NOPAT Margin	38.65%	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%
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	40.95%	45.39%	49.18%	48.53%	44.50%	41.02%	39.63%	41.18%	36.74%	36.11%	36.52%
Operating Expenses to Revenue	52.84%	58.78%	58.79%	59.71%	56.60%	52.31%	50.04%	50.77%	46.78%	47.08%	47.21%
Earnings before Interest and Taxes (EBIT)	7.44	6.37	6.18	6.83	6.69	8.08	8.94	11	10	12	12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	8.15	7.02	6.51	6.94	6.79	8.46	9.41	11	10	11	12
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.20	2.43	2.45	2.78	2.43	2.16	1.76	0.00	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	2.20	2.43	2.45	2.78	2.43	2.16	1.76	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	5.69	6.96	7.43	8.82	8.09	7.03	5.65	0.00	0.00	0.00	0.00
Price to Earnings (P/E)	14.34	17.77	19.90	23.11	21.42	17.92	14.15	0.00	0.00	0.00	0.00
Dividend Yield	0.93%	0.95%	1.08%	0.95%	1.07%	1.23%	1.48%	1.63%	1.64%	1.72%	1.74%
Earnings Yield	6.97%	5.63%	5.03%	4.33%	4.67%	5.58%	7.07%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.36	1.27	1.10	1.43	1.26	1.18	1.05	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	4.56	6.95	4.79	8.91	6.96	8.25	4.77	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	9.01	14.17	10.59	20.20	16.60	19.30	10.78	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	9.94	15.60	11.56	21.56	17.36	19.94	11.15	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	11.49	17.73	12.83	23.34	18.43	21.02	11.94	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	10.82	18.00	12.98	23.21	21.76	22.97	13.19	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	14.43	139.81	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.29	0.92	0.43	0.97	0.66	1.15	0.41	0.54	0.22	0.83	0.40
Long-Term Debt to Equity	0.29	0.92	0.43	0.97	0.66	1.15	0.41	0.54	0.22	0.83	0.40
Financial Leverage	0.37	1.00	-6.19	0.64	0.49	1.04	0.42	0.74	0.42	0.98	0.41
Leverage Ratio	15.34	14.73	14.82	14.19	13.89	13.78	13.73	13.19	12.77	12.82	12.46
Compound Leverage Factor	15.34	14.73	14.82	14.19	13.89	13.78	13.73	13.19	12.77	12.82	12.46
Debt to Total Capital	22.65%	47.82%	30.10%	49.15%	39.72%	53.45%	29.10%	34.90%	17.90%	45.33%	28.63%
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	22.65%	47.82%	30.10%	49.15%	39.72%	53.45%	29.10%	34.90%	17.90%	45.33%	28.63%
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	77.35%	52.18%	69.90%	50.85%	60.28%	46.55%	70.90%	65.10%	82.10%	54.67%	71.37%
Debt to EBITDA	1.50	5.35	2.89	6.96	5.23	8.74	2.98	3.56	1.36	5.06	2.39
Net Debt to EBITDA	-2.23	-0.03	-5.83	0.21	-2.70	2.85	-2.00	-1.57	-2.57	2.10	-0.74
Long-Term Debt to EBITDA	1.50	5.35	2.89	6.96	5.23	8.74	2.98	3.56	1.36	5.06	2.39
Debt to NOPAT	1.91	6.70	3.50	8.04	5.80	9.52	3.29	4.11	1.60	5.86	2.75
Net Debt to NOPAT	-2.85	-0.04	-7.07	0.24	-2.99	3.11	-2.21	-1.81	-3.02	2.43	-0.85
Long-Term Debt to NOPAT	1.91	6.70	3.50	8.04	5.80	9.52	3.29	4.11	1.60	5.86	2.75
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)	0.73	-18	-2,523	-166	-114	-88	-30	48	65	7.21	-41
Operating Cash Flow to CapEx	1,320.25%	1,177.65%	841.11%	5,587.37%	1,405.23%	2,933.70%	14,048.08%	4,332.13%	1,728.86%	3,075.60%	82,084.62%
Free Cash Flow to Firm to Interest Expense	0.06	-1.34	-183.17	-11.45	-7.82	-5.70	-2.21	3.39	4.64	0.50	-3.34
Operating Cash Flow to Interest Expense	0.56	0.15	0.41	0.76	0.15	0.35	0.54	0.94	0.49	0.45	0.86
Operating Cash Flow Less CapEx to Interest Expense	0.51	0.14	0.36	0.75	0.14	0.33	0.53	0.92	0.46	0.43	0.86
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03
Fixed Asset Turnover	4.81	4.60	4.35	4.24	4.23	4.38	4.63	4.89	5.19	5.49	5.83
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	238	374	285	405	359	469	323	367	302	472	375
Invested Capital Turnover	0.30	0.19	-0.07	0.20	0.22	0.16	0.24	0.20	0.24	0.18	0.25
Increase / (Decrease) in Invested Capital	5.74	23	2,529	172	121	95	38	-38	-57	3.09	52
Enterprise Value (EV)	324	474	314	578	453	554	341	0.00	0.00	0.00	0.00
Market Capitalization	405	475	487	572	526	472	404	0.00	0.00	0.00	0.00
Book Value per Share	$10.82	$11.47	$11.70	$12.10	$12.70	$12.83	$13.45	$14.03	$14.58	$15.17	$15.72
Tangible Book Value per Share	$10.82	$11.47	$11.70	$12.10	$12.70	$12.83	$13.45	$14.03	$14.58	$15.17	$15.72
Total Capital	238	374	285	405	359	469	323	367	302	472	375
Total Debt	54	179	86	199	143	251	94	128	54	214	107
Total Long-Term Debt	54	179	86	199	143	251	94	128	54	214	107
Net Debt	-80	-0.94	-173	5.91	-74	82	-63	-56	-102	89	-33
Capital Expenditures (CapEx)	0.47	0.17	0.66	0.20	0.15	0.18	0.05	0.31	0.40	0.21	0.01
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)	54	179	86	199	143	251	94	128	54	214	107
Total Depreciation and Amortization (D&A)	0.72	0.65	0.33	0.11	0.10	0.38	0.47	0.39	0.30	-0.46	-0.23
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.38	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62
Adjusted 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
Adjusted Diluted Earnings per Share	$0.38	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62
Adjusted 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
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.40	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	17.03M	17.03M	17.03M	17.03M	17.03M	0.00	0.00	0.00	0.00	0.00	17.03M
Normalized Net Operating Profit after Tax (NOPAT)	6.47	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11
Normalized NOPAT Margin	38.65%	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%
Pre Tax Income Margin	44.43%	40.15%	39.36%	41.20%	39.64%	45.03%	44.56%	53.52%	47.37%	52.02%	50.91%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.66	0.48	0.45	0.47	0.46	0.53	0.66	0.78	0.72	0.80	0.98
NOPAT to Interest Expense	0.58	0.43	0.43	0.47	0.43	0.49	0.59	0.67	0.63	0.71	0.85
EBIT Less CapEx to Interest Expense	0.62	0.47	0.40	0.46	0.45	0.51	0.66	0.76	0.69	0.79	0.98
NOPAT Less CapEx to Interest Expense	0.53	0.42	0.38	0.45	0.42	0.48	0.59	0.64	0.60	0.70	0.85
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	10.66%	11.54%	12.91%	13.08%	13.89%	16.39%	15.40%	14.37%	11.03%	8.13%	10.18%
Augmented Payout Ratio	10.66%	11.54%	12.91%	13.08%	13.89%	16.39%	15.40%	14.37%	11.03%	8.13%	10.18%

Financials Breakdown Chart

Key Financial Trends

Greene County Bancorp (NASDAQ: GCBC) showed solid profitability in Q3 2026, but the quarter also highlighted a few balance-sheet and funding mix pressures investors should watch.

For the quarter ended March 31, 2026, GCBC reported net income of $10.5 million, up from $10.3 million in Q2 2026 and $8.1 million in Q3 2025. Revenue also improved sequentially, with total revenue rising to $23.9 million from $22.2 million in the prior quarter. On the surface, earnings momentum remains positive.

That said, the bigger story over the last year is a shift in the bank’s funding profile and asset mix. Total assets climbed to $3.18 billion from $3.15 billion in Q2 2026 and $3.01 billion a year ago. Deposits rose sharply in the latest quarter, but long-term debt declined meaningfully from $214.1 million in Q2 2026 to $107.3 million in Q3 2026, suggesting the company is actively reshaping its balance sheet.

Key positives

Net income increased year over year, reaching $10.5 million in Q3 2026 versus $8.1 million in Q3 2025.
Total revenue improved sequentially to $23.9 million, supported by stronger net interest income and non-interest income.
Net interest income rose to $20.2 million from $19.1 million in Q2 2026, showing better core earnings power.
Operating cash flow was strong at $10.7 million in Q3 2026.
Retained earnings increased to $267.8 million, up from $259.0 million in Q2 2026.
Book equity improved to $267.6 million from $258.3 million sequentially.

Neutral items

The bank continued to generate healthy fee income, with total non-interest income at $3.7 million.
Provision for credit losses remained modest at $451,000, indicating limited near-term credit stress in this quarter.
Basic EPS held at $0.62, up from $0.60 in Q2 2026.
Cash and due from banks increased to $10.5 million, helping liquidity, though the cash balance remains small relative to total assets.

Key negatives

Interest-bearing deposits were still the dominant funding source at $2.66 billion, which can pressure margins in a higher-rate environment.
Non-interest-bearing deposits were only $109.1 million, a relatively small portion of total deposits.
Other assets remain very large at $1.86 billion, which makes the balance sheet less transparent and worth monitoring.
Net cash from investing activities was negative $18.3 million in Q3 2026 due to continued investment purchases.
The quarterly balance sheet shows a negative net loans figure in the standardized data, which appears unusual and may reflect classification issues or an accounting presentation quirk rather than a normal banking trend.

Bottom line: GCBC is still producing respectable earnings and cash flow, but the bank’s balance sheet is moving around quite a bit, especially in deposits, debt, and securities. For retail investors, the main question is whether management can keep earnings growing while maintaining stable funding and preserving margin quality. The quarter was constructive, but not without some caution flags.

07/21/26 08:53 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 fiscal year ends in June. Their fiscal year 2025 ended on June 30, 2025.

Greene County Bancorp's net income appears to be on an upward trend, with a most recent value of $31.14 million in 2025, rising from $7.19 million in 2015. The previous period was $24.77 million in 2024. See where experts think Greene County Bancorp is headed by visiting Greene County Bancorp's forecast page.

Over the last 10 years, Greene County Bancorp's total revenue changed from $29.10 million in 2015 to $75.35 million in 2025, a change of 159.0%.

Greene County Bancorp's total liabilities were at $2.80 billion at the end of 2025, a 6.9% increase from 2024, and a 317.1% increase since 2015.

In the past 10 years, Greene County Bancorp's cash and equivalents has ranged from $12.79 million in 2025 to $149.78 million in 2021, and is currently $12.79 million as of their latest financial filing in 2025.

Over the last 10 years, Greene County Bancorp's book value per share changed from 15.85 in 2015 to 14.03 in 2025, a change of -11.5%.

Related Companies

Financial statements for NASDAQ:GCBC last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Greene County Bancorp (GCBC) Financials

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Greene County Bancorp (GCBC) Financials

Annual Income Statements for Greene County Bancorp

Quarterly Income Statements for Greene County Bancorp

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Quarterly Cash Flow Statements for Greene County Bancorp

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Quarterly Balance Sheets for Greene County Bancorp

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Quarterly Metrics And Ratios for Greene County Bancorp

Financials Breakdown Chart

Key Financial Trends

Greene County Bancorp Financials - Frequently Asked Questions

When does Greene County Bancorp's financial year end?

How has Greene County Bancorp's net income changed over the last 10 years?

How has Greene County Bancorp's revenue changed over the last 10 years?

How much debt does Greene County Bancorp have?

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How has Greene County Bancorp's book value per share changed over the last 10 years?

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