Greene County Bancorp (GCBC) Financials

$35.66 +0.07 (+0.20%)

Closing price 09/18/2026 04:00 PM Eastern

Extended Trading

$35.68 +0.03 (+0.07%)

As of 09/18/2026 07:30 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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	8.96	11	14	17	19	24	28	31	25	31	41
Consolidated Net Income / (Loss)	8.96	11	14	17	19	24	28	31	25	31	41
Net Income / (Loss) Continuing Operations	8.96	11	14	17	19	24	28	31	25	31	41
Total Pre-Tax Income	12	15	19	21	22	28	33	36	27	35	47
Total Revenue	32	37	42	48	53	63	70	73	65	75	93
Net Interest Income / (Expense)	26	30	35	40	45	53	58	61	51	60	78
Total Interest Income	29	33	39	46	53	58	63	85	104	118	131
Loans and Leases Interest Income	22	26	30	35	39	45	47	60	72	80	89
Investment Securities Interest Income	6.64	7.54	8.88	11	14	13	16	23	28	34	40
Federal Funds Sold and Securities Borrowed Interest Income	0.05	0.04	0.35	0.45	0.62	0.08	0.16	1.59	4.02	3.50	2.06
Total Interest Expense	2.58	3.08	4.01	6.31	8.48	5.18	5.44	23	53	58	53
Deposits Interest Expense	2.24	2.61	3.64	5.70	8.24	4.22	3.48	20	50	55	51
Long-Term Debt Interest Expense	0.34	0.47	0.37	0.61	0.24	0.96	1.96	3.35	2.97	2.53	2.07
Total Non-Interest Income	5.97	6.42	7.48	8.36	8.65	9.67	12	12	14	15	15
Service Charges on Deposit Accounts	-	3.16	3.71	4.12	3.93	3.41	4.44	4.71	4.64	4.87	5.08
Other Service Charges	5.58	2.93	3.31	3.70	4.17	5.10	5.49	5.53	5.93	7.39	6.24
Net Realized & Unrealized Capital Gains on Investments	-	-	-	-	-	-	0.00	-0.25	0.00	-0.67	-0.58
Investment Banking Income	0.38	0.33	0.47	0.54	0.56	0.73	0.94	0.78	1.16	1.09	1.17
Other Non-Interest Income	-	-	-	-	0.00	0.43	1.27	1.37	2.18	2.55	2.76
Provision for Credit Losses	1.67	1.91	1.53	1.66	3.91	3.97	3.28	-1.07	0.77	1.32	2.03
Total Non-Interest Expense	19	20	22	26	28	31	34	39	37	39	44
Salaries and Employee Benefits	10	12	13	15	17	19	21	23	24	24	27
Net Occupancy & Equipment Expense	3.88	4.01	4.20	4.45	5.06	5.43	5.70	5.90	5.54	6.35	6.97
Marketing Expense	0.37	0.39	0.35	0.46	0.47	0.49	0.49	0.50	0.45	0.49	0.51
Property & Liability Insurance Claims	0.42	0.38	0.44	0.46	0.32	0.74	0.83	1.09	1.29	1.37	1.48
Other Operating Expenses	3.71	3.52	4.02	4.82	4.79	5.40	6.28	7.71	6.19	6.75	8.04
Income Tax Expense	2.68	3.74	4.10	3.54	3.03	3.67	4.92	5.04	2.05	3.53	5.81
Basic Earnings per Share	$1.06	$1.32	$1.69	$2.05	$2.20	$2.81	$1.64	$1.81	$1.45	$1.83	$2.41
Weighted Average Basic Shares Outstanding	8.46M	8.50M	8.51M	8.54M	8.53M	8.51M	17.03M	17.03M	17.03M	17.03M	17.03M
Diluted Earnings per Share	$1.06	$1.31	$1.69	$2.05	$2.20	$2.81	$1.64	$1.81	$1.45	$1.83	$2.41
Weighted Average Diluted Shares Outstanding	8.48M	8.51M	8.53M	8.54M	8.53M	8.51M	17.03M	17.03M	17.03M	17.03M	17.03M
Weighted Average Basic & Diluted Shares Outstanding	8.49M	8.50M	8.54M	8.54M	8.51M	8.51M	8.51M	17.03M	17.03M	17.03M	17.03M
Cash Dividends to Common per Share	$0.37	$0.38	$0.39	$0.40	$0.44	$0.48	$0.26	$0.28	$0.32	$0.36	$0.40

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

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Consolidated Net Income / (Loss)	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Net Income / (Loss) Continuing Operations	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Total Pre-Tax Income	6.37	6.18	6.83	6.69	8.08	8.94	11	10	12	12	13
Total Revenue	16	16	17	17	18	20	20	22	22	24	25
Net Interest Income / (Expense)	12	12	13	13	14	16	17	18	19	20	21
Total Interest Income	26	26	27	28	29	30	31	32	33	33	33
Loans and Leases Interest Income	18	18	18	19	19	20	21	22	22	22	23
Investment Securities Interest Income	6.71	7.17	7.67	7.84	8.54	8.86	8.98	9.18	10	10	10
Federal Funds Sold and Securities Borrowed Interest Income	1.11	0.84	1.16	0.69	1.40	0.73	0.69	0.47	0.91	0.36	0.32
Total Interest Expense	13	14	14	15	15	14	14	14	14	12	12
Deposits Interest Expense	13	13	14	14	15	13	14	13	14	12	12
Long-Term Debt Interest Expense	0.65	0.83	0.87	0.83	0.61	0.57	0.52	0.74	0.51	0.42	0.40
Total Non-Interest Income	3.48	3.41	3.72	3.74	3.88	3.86	3.77	3.99	3.16	3.70	3.83
Service Charges on Deposit Accounts	1.23	1.01	1.17	1.23	1.27	1.19	1.18	1.30	1.31	1.19	1.29
Other Service Charges	1.47	1.52	1.47	1.62	1.71	2.41	1.66	1.76	1.48	1.51	1.50
Investment Banking Income	0.21	0.27	0.44	0.25	0.25	0.30	0.29	0.28	0.27	0.30	0.32
Other Non-Interest Income	0.57	0.62	0.63	0.65	0.64	0.63	0.64	0.65	0.67	0.71	0.72
Provision for Credit Losses	0.17	0.29	-0.15	0.63	0.48	1.08	-0.88	1.26	0.20	0.45	0.13
Total Non-Interest Expense	9.33	9.23	9.90	9.55	9.39	10	10	10	10	11	12
Salaries and Employee Benefits	5.65	6.10	6.59	5.88	5.65	6.20	6.69	6.16	6.22	6.78	7.56
Net Occupancy & Equipment Expense	1.45	1.50	1.33	1.55	1.58	1.62	1.60	1.65	1.65	1.83	1.84
Marketing Expense	0.10	0.12	0.12	0.08	0.13	0.14	0.15	0.10	0.15	0.11	0.15
Property & Liability Insurance Claims	0.31	0.33	0.34	0.32	0.35	0.35	0.35	0.37	0.37	0.37	0.37
Other Operating Expenses	1.81	1.18	1.52	1.72	1.68	1.74	1.61	1.79	2.07	2.18	2.00
Income Tax Expense	0.66	0.32	0.10	0.43	0.59	0.89	1.62	1.32	1.27	1.64	1.59
Basic Earnings per Share	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62	$0.67
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	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62	$0.67
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	-	0.00	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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	0.36	0.38	10	3.03	11	109	-81	127	-6.05	-7.32	-38
Net Cash From Operating Activities	14	14	21	22	27	28	35	28	25	28	42
Net Cash From Continuing Operating Activities	14	14	21	22	27	28	35	28	25	28	42
Net Income / (Loss) Continuing Operations	8.96	11	14	17	19	24	28	31	25	31	41
Consolidated Net Income / (Loss)	8.96	11	14	17	19	24	28	31	25	31	41
Provision For Loan Losses	1.67	1.91	1.53	1.66	3.91	3.97	3.28	-1.07	0.77	1.32	2.03
Depreciation Expense	0.63	0.64	0.64	0.64	0.71	0.78	0.83	0.87	0.93	1.07	1.13
Amortization Expense	1.11	1.28	1.11	-0.80	1.74	-0.13	0.23	2.86	0.88	0.27	-1.87
Non-Cash Adjustments to Reconcile Net Income	-0.54	-0.24	0.01	-0.97	-1.06	-2.56	-1.96	-1.27	-2.34	-2.66	-3.81
Changes in Operating Assets and Liabilities, net	1.75	-0.73	2.98	3.69	2.70	1.75	4.99	-4.06	-0.09	-3.15	3.79
Net Cash From Investing Activities	-132	-116	-163	-115	-397	-417	-471	0.66	-129	-210	-177
Net Cash From Continuing Investing Activities	-132	-116	-163	-115	-397	-417	-471	0.66	-129	-210	-177
Purchase of Property, Leasehold Improvements and Equipment	-0.29	-0.08	-0.32	-0.59	-1.12	-1.25	-1.05	-1.54	-1.51	-0.69	-0.74
Purchase of Investment Securities	-207	-220	-267	-276	-605	-761	-825	-365	-445	-573	-827
Sale and/or Maturity of Investments	74	105	104	161	209	344	354	367	317	363	651
Net Cash From Financing Activities	119	102	153	97	382	499	355	99	98	175	96
Net Cash From Continuing Financing Activities	119	102	153	97	382	499	355	99	98	175	96
Net Change in Deposits	116	121	166	95	381	504	207	225	-48	251	74
Issuance of Debt	4.70	4.85	0.00	8.95	18	20	30	0.00	34	4.19	1.98
Repayment of Debt	0.00	-22	-11	-5.50	-14	-22	121	-124	115	-75	25
Repurchase of Common Equity	-	-	-	0.00	-0.63	-	-	-	-	0.00	-0.03
Payment of Dividends	-1.85	-1.92	-1.53	-2.04	-2.24	-2.43	-2.63	-2.19	-3.24	-4.48	-4.05
Cash Interest Paid	2.57	3.06	4.02	6.29	8.47	4.96	5.18	23	52	58	53
Cash Income Taxes Paid	2.80	5.56	2.33	4.40	3.12	6.30	5.60	6.31	1.80	1.17	2.27

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

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	46	80	-65	23	-47	-11	28	-29	-30	15	5.46
Net Cash From Operating Activities	2.00	5.59	11	2.15	5.31	7.31	13	6.95	6.43	11	18
Net Cash From Continuing Operating Activities	2.00	5.59	11	2.15	5.31	7.31	13	6.95	6.43	11	18
Net Income / (Loss) Continuing Operations	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Consolidated Net Income / (Loss)	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Provision For Loan Losses	0.17	0.29	-0.15	0.63	0.48	1.08	-0.88	1.26	0.20	0.45	0.13
Depreciation Expense	0.22	0.25	0.24	0.26	0.26	0.27	0.28	0.28	0.28	0.28	0.30
Amortization Expense	0.43	0.08	-0.13	-0.16	0.11	0.20	0.11	0.02	-0.74	-0.51	-0.64
Non-Cash Adjustments to Reconcile Net Income	0.09	-0.19	-1.15	-1.20	-2.16	0.17	0.53	-0.89	-2.83	-0.30	0.21
Changes in Operating Assets and Liabilities, net	-4.61	-0.70	5.52	-3.65	-0.88	-2.46	3.84	-2.58	-0.78	0.23	6.92
Net Cash From Investing Activities	5.10	-54	-21	-18	-140	-48	-4.03	-44	-114	-18	-0.60
Net Cash From Continuing Investing Activities	5.10	-54	-21	-18	-140	-48	-4.03	-44	-114	-18	-0.60
Purchase of Property, Leasehold Improvements and Equipment	-0.17	-0.66	-0.20	-0.15	-0.18	-0.05	-0.31	-0.40	-0.21	-0.01	-0.12
Purchase of Investment Securities	-74	-93	-163	-117	-215	-121	-120	-137	-394	-166	-131
Sale and/or Maturity of Investments	79	39	142	100	75	73	116	93	280	147	130
Net Cash From Financing Activities	39	128	-55	38	88	30	18	8.57	77	23	-12
Net Cash From Continuing Financing Activities	39	128	-55	38	88	30	18	8.57	77	23	-12
Net Change in Deposits	-86	222	-168	97	-19	187	-15	83	-82	132	-59
Repayment of Debt	-	-123	113	-57	29	-78	30	-74	54	-0.80	46
Payment of Dividends	-0.63	-0.63	-0.62	-1.53	-1.54	-0.70	-0.70	-0.78	-0.79	-1.70	-0.78
Cash Interest Paid	13	14	14	15	16	14	13	15	14	13	12
Cash Income Taxes Paid	0.64	0.53	0.28	0.32	0.34	0.16	0.34	0.27	1.34	0.23	0.42

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Total Assets	869	982	1,151	1,269	1,677	2,200	2,572	2,698	2,826	3,041	3,183
Cash and Due from Banks	16	16	27	30	40	150	69	15	14	13	12
Interest Bearing Deposits at Other Banks	-	-	-	-	-	-	-	181	176	170	133
Time Deposits Placed and Other Short-Term Investments	2.21	2.15	2.39	2.88	4.07	4.55	4.11	4.58	2.83	1.43	1.23
Trading Account Securities	305	315	396	427	611	888	1,170	281	1,041	1,133	1,178
Loans and Leases, Net of Allowance	523	624	704	786	-19	-22	-23	-21	-19	-20	-22
Allowance for Loan and Lease Losses	9.49	11	12	13	16	20	23	21	19	20	22
Premises and Equipment, Net	14	14	13	13	14	14	14	15	16	15	15
Other Assets	8.68	11	9.28	11	1,027	1,166	1,337	2,222	1,596	1,728	1,867
Total Liabilities & Shareholders' Equity	869	982	1,151	1,269	1,677	2,200	2,572	2,698	2,826	3,041	3,183
Total Liabilities	794	899	1,055	1,157	1,548	2,051	2,414	2,515	2,620	2,802	2,906
Non-Interest Bearing Deposits	88	96	103	107	138	174	188	159	125	110	140
Interest Bearing Deposits	651	764	923	1,013	1,363	1,831	2,025	2,278	2,264	2,530	2,573
Long-Term Debt	20	23	18	14	7.60	20	173	49	199	128	155
Other Long-Term Liabilities	9.19	9.69	12	15	21	23	28	28	31	34	37
Total Equity & Noncontrolling Interests	74	84	96	112	129	150	158	183	206	239	278
Total Preferred & Common Equity	74	84	96	112	129	150	158	183	206	239	278
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	74	84	96	112	129	150	158	183	206	239	278
Common Stock	12	12	12	12	12	12	12	12	12	12	12
Retained Earnings	64	73	86	102	118	140	165	194	215	241	278
Treasury Stock	-0.51	-0.41	-0.28	-0.28	-0.91	-0.91	-0.91	-0.91	-0.91	-0.91	-0.94
Accumulated Other Comprehensive Income / (Loss)	-0.73	-0.99	-1.62	-1.01	-0.43	-1.16	-18	-21	-20	-14	-11

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
DEI Shares Outstanding	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	17,025,485.00
DEI Adjusted Shares Outstanding	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	17,025,485.00
DEI Earnings Per Adjusted Shares Outstanding	0.26	0.33	0.42	0.51	0.55	0.70	-	-	-	1.83	2.41
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	10.62%	14.35%	15.19%	14.07%	10.59%	17.44%	11.67%	4.59%	-11.55%	16.13%	22.86%
EBITDA Growth	15.68%	25.91%	20.19%	3.05%	16.01%	16.76%	20.16%	16.48%	-27.65%	25.77%	28.05%
EBIT Growth	22.46%	28.23%	23.95%	13.64%	3.47%	26.93%	19.16%	8.88%	-25.14%	29.26%	35.09%
NOPAT Growth	24.68%	24.81%	28.79%	21.35%	7.11%	27.85%	16.89%	10.00%	-19.54%	25.71%	31.74%
Net Income Growth	24.68%	24.81%	28.79%	21.35%	7.11%	27.85%	16.89%	10.00%	-19.54%	25.71%	31.74%
EPS Growth	24.71%	23.58%	29.01%	21.30%	7.32%	27.73%	16.89%	10.37%	-19.89%	26.21%	31.69%
Operating Cash Flow Growth	6.12%	3.44%	47.15%	4.61%	23.57%	3.85%	27.39%	-20.49%	-11.39%	12.33%	51.19%
Free Cash Flow Firm Growth	86.19%	703.50%	-30.18%	-116.32%	25.70%	476.84%	-2,274.08%	198.64%	-214.65%	147.01%	-136.12%
Invested Capital Growth	11.12%	-6.32%	1.12%	17.17%	15.17%	11.63%	92.03%	-29.62%	74.04%	-9.44%	18.01%
Revenue Q/Q Growth	2.74%	3.47%	4.44%	2.24%	3.37%	4.60%	1.66%	-1.08%	-1.15%	5.45%	5.11%
EBITDA Q/Q Growth	5.53%	4.63%	3.48%	-5.62%	11.85%	9.23%	0.08%	-1.66%	-3.56%	13.95%	2.76%
EBIT Q/Q Growth	6.63%	5.35%	4.41%	1.64%	2.11%	14.13%	-2.46%	-2.02%	-1.35%	13.51%	4.39%
NOPAT Q/Q Growth	6.07%	4.92%	5.58%	3.22%	2.95%	13.86%	-2.80%	-1.11%	1.11%	9.11%	5.14%
Net Income Q/Q Growth	6.07%	4.92%	5.58%	3.22%	2.95%	13.86%	-2.80%	-1.11%	1.11%	9.11%	5.14%
EPS Q/Q Growth	6.00%	4.80%	5.63%	3.54%	3.29%	13.77%	-2.80%	-1.09%	0.69%	8.93%	5.24%
Operating Cash Flow Q/Q Growth	3.69%	-5.41%	15.36%	-0.17%	10.07%	12.11%	6.94%	-11.98%	2.82%	8.32%	13.52%
Free Cash Flow Firm Q/Q Growth	-85.37%	12,561.59%	89.66%	-131.34%	-179.14%	331.96%	-681.82%	-94.81%	94.11%	826.89%	-94.86%
Invested Capital Q/Q Growth	29.39%	8.62%	3.18%	10.80%	12.54%	7.17%	60.39%	110.37%	42.17%	13.57%	15.48%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	41.57%	45.77%	47.76%	43.15%	45.26%	45.00%	48.42%	53.92%	44.11%	47.77%	49.79%
EBIT Margin	36.17%	40.56%	43.64%	43.48%	40.68%	43.96%	46.91%	48.83%	41.33%	46.00%	50.58%
Profit (Net Income) Margin	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%	44.31%
Tax Burden Percent	76.99%	74.94%	77.87%	83.15%	86.08%	86.70%	85.05%	85.93%	92.36%	89.82%	87.59%
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	23.01%	25.06%	22.13%	16.85%	13.92%	13.30%	14.95%	14.07%	7.64%	10.18%	12.41%
Return on Invested Capital (ROIC)	7.82%	9.57%	12.67%	14.08%	12.99%	14.67%	11.13%	10.93%	7.77%	8.07%	10.26%
ROIC Less NNEP Spread (ROIC-NNEP)	7.82%	9.57%	12.67%	14.08%	12.99%	14.67%	11.13%	10.93%	7.77%	8.07%	10.26%
Return on Net Nonoperating Assets (RNNOA)	4.88%	4.61%	3.36%	2.68%	2.54%	2.54%	7.09%	7.13%	4.96%	5.93%	5.62%
Return on Equity (ROE)	12.69%	14.18%	16.03%	16.77%	15.53%	17.20%	18.21%	18.06%	12.73%	14.00%	15.88%
Cash Return on Invested Capital (CROIC)	-2.72%	16.10%	11.55%	-1.73%	-1.11%	3.68%	-51.90%	45.69%	-46.27%	17.97%	-6.27%
Operating Return on Assets (OROA)	1.45%	1.61%	1.73%	1.74%	1.48%	1.42%	1.38%	1.36%	0.97%	1.18%	1.50%
Return on Assets (ROA)	1.12%	1.21%	1.35%	1.44%	1.27%	1.24%	1.17%	1.17%	0.90%	1.06%	1.32%
Return on Common Equity (ROCE)	12.69%	14.18%	16.03%	16.77%	15.53%	17.20%	18.21%	18.06%	12.73%	14.00%	15.88%
Return on Equity Simple (ROE_SIMPLE)	12.06%	13.39%	14.98%	15.56%	14.54%	16.01%	17.74%	16.80%	12.02%	13.04%	14.77%
Net Operating Profit after Tax (NOPAT)	8.96	11	14	17	19	24	28	31	25	31	41
NOPAT Margin	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%	44.31%
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	45.81%	43.65%	42.23%	42.18%	42.46%	39.94%	38.29%	40.64%	45.96%	41.47%	36.93%
Operating Expenses to Revenue	58.63%	54.25%	52.75%	53.09%	52.02%	49.71%	48.41%	52.63%	57.49%	52.25%	47.22%
Earnings before Interest and Taxes (EBIT)	12	15	19	21	22	28	33	36	27	35	47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	13	17	20	21	24	28	34	40	29	36	46
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.64	2.50	2.75	2.07	1.39	1.54	2.38	2.73	2.78	0.00	2.05
Price to Tangible Book Value (P/TBV)	1.64	2.50	2.75	2.07	1.39	1.54	2.38	2.73	2.78	0.00	2.05
Price to Revenue (P/Rev)	3.80	5.68	6.24	4.81	3.35	3.66	5.36	6.82	8.82	0.00	6.16
Price to Earnings (P/E)	13.63	18.67	18.36	13.31	9.56	9.61	13.43	16.25	23.11	0.00	13.90
Dividend Yield	2.56%	1.55%	1.26%	1.47%	2.09%	1.78%	1.18%	0.60%	0.95%	1.63%	1.19%
Earnings Yield	7.34%	5.36%	5.45%	7.51%	10.46%	10.40%	7.44%	6.15%	4.33%	0.00%	7.20%
Enterprise Value to Invested Capital (EV/IC)	1.25	1.95	2.22	1.66	1.04	0.57	1.44	1.50	1.43	0.00	1.34
Enterprise Value to Revenue (EV/Rev)	4.67	5.98	5.99	4.59	2.99	1.57	6.78	4.75	8.91	0.00	6.26
Enterprise Value to EBITDA (EV/EBITDA)	11.24	13.06	12.53	10.64	6.61	3.48	14.01	8.82	20.20	0.00	12.56
Enterprise Value to EBIT (EV/EBIT)	12.92	14.74	13.72	10.56	7.35	3.57	14.46	9.74	21.56	0.00	12.37
Enterprise Value to NOPAT (EV/NOPAT)	16.79	19.67	17.61	12.69	8.54	4.11	17.00	11.33	23.34	0.00	14.12
Enterprise Value to Operating Cash Flow (EV/OCF)	11.08	15.66	12.28	10.26	5.99	3.55	13.46	12.41	23.21	0.00	13.69
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	11.69	19.32	0.00	0.00	16.41	0.00	2.71	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.62	0.35	0.19	0.19	0.20	0.15	1.10	0.27	0.97	0.54	0.56
Long-Term Debt to Equity	0.27	0.27	0.19	0.12	0.06	0.13	1.10	0.27	0.97	0.54	0.56
Financial Leverage	0.62	0.48	0.27	0.19	0.20	0.17	0.64	0.65	0.64	0.74	0.55
Leverage Ratio	11.38	11.73	11.87	11.61	12.22	13.93	15.53	15.45	14.19	13.19	12.05
Compound Leverage Factor	11.38	11.73	11.87	11.61	12.22	13.93	15.53	15.45	14.19	13.19	12.05
Debt to Total Capital	38.44%	26.13%	15.87%	16.12%	16.52%	13.15%	52.31%	21.26%	49.15%	34.90%	35.83%
Short-Term Debt to Total Capital	21.62%	6.10%	0.00%	5.97%	11.59%	1.74%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	16.82%	20.03%	15.87%	10.15%	4.93%	11.41%	52.31%	21.26%	49.15%	34.90%	35.83%
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	61.56%	73.87%	84.13%	83.88%	83.48%	86.85%	47.69%	78.74%	50.85%	65.10%	64.17%
Debt to EBITDA	3.47	1.75	0.90	1.04	1.05	0.80	5.09	1.25	6.96	3.56	3.37
Net Debt to EBITDA	2.11	0.66	-0.53	-0.52	-0.79	-4.66	2.94	-3.83	0.21	-1.57	0.20
Long-Term Debt to EBITDA	1.52	1.34	0.90	0.65	0.31	0.70	5.09	1.25	6.96	3.56	3.37
Debt to NOPAT	5.18	2.64	1.26	1.24	1.36	0.95	6.18	1.61	8.04	4.11	3.78
Net Debt to NOPAT	3.16	0.99	-0.75	-0.62	-1.02	-5.50	3.57	-4.92	0.24	-1.81	0.22
Long-Term Debt to NOPAT	2.26	2.02	1.26	0.78	0.41	0.82	6.18	1.61	8.04	4.11	3.78
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)	-3.12	19	13	-2.14	-1.59	6.00	-131	129	-148	69	-25
Operating Cash Flow to CapEx	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%	5,708.37%
Free Cash Flow to Firm to Interest Expense	-1.21	6.12	3.27	-0.34	-0.19	1.16	-24.00	5.50	-2.80	1.20	-0.47
Operating Cash Flow to Interest Expense	5.26	4.57	5.15	3.43	3.15	5.35	6.50	1.20	0.47	0.49	0.79
Operating Cash Flow Less CapEx to Interest Expense	5.15	4.54	5.07	3.33	3.02	5.11	6.31	1.14	0.44	0.47	0.78
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.02	0.03	0.03
Fixed Asset Turnover	2.24	2.65	3.15	3.64	3.97	4.52	4.92	4.99	4.24	4.89	6.16
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	121	113	114	134	154	172	331	233	405	367	433
Invested Capital Turnover	0.28	0.31	0.37	0.39	0.37	0.38	0.28	0.26	0.20	0.20	0.23
Increase / (Decrease) in Invested Capital	12	-7.63	1.27	20	20	18	158	-98	172	-38	66
Enterprise Value (EV)	150	220	254	222	160	98	476	349	578	0.00	579
Market Capitalization	122	209	265	233	179	230	376	500	572	0.00	570
Book Value per Share	$8.77	$9.82	$11.28	$13.16	$15.13	$17.57	$18.53	$10.76	$12.10	$14.03	$16.32
Tangible Book Value per Share	$8.77	$9.82	$11.28	$13.16	$15.13	$17.57	$18.53	$10.76	$12.10	$14.03	$16.32
Total Capital	121	113	114	134	154	172	331	233	405	367	433
Total Debt	46	30	18	22	25	23	173	49	199	128	155
Total Long-Term Debt	20	23	18	14	7.60	20	173	49	199	128	155
Net Debt	28	11	-11	-11	-19	-132	100	-152	5.91	-56	9.02
Capital Expenditures (CapEx)	0.29	0.08	0.32	0.59	1.12	1.25	1.05	1.54	1.51	0.69	0.74
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)	46	30	18	22	25	23	173	49	199	128	155
Total Depreciation and Amortization (D&A)	1.74	1.92	1.75	-0.16	2.45	0.65	1.06	3.73	1.80	1.33	-0.73
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.27	$0.33	$0.42	$0.51	$0.55	$0.70	$0.82	$1.81	$1.45	$1.83	$2.41
Adjusted Weighted Average Basic Shares Outstanding	33.84M	33.98M	34.05M	34.15M	34.12M	34.05M	34.05M	17.03M	17.03M	17.03M	17.03M
Adjusted Diluted Earnings per Share	$0.27	$0.33	$0.42	$0.51	$0.55	$0.70	$0.82	$1.81	$1.45	$1.83	$2.41
Adjusted Weighted Average Diluted Shares Outstanding	33.91M	34.05M	34.14M	34.15M	34.12M	34.05M	34.05M	17.03M	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	33.95M	34.01M	34.15M	34.15M	34.05M	34.05M	34.05M	17.03M	17.03M	0.00	17.03M
Normalized Net Operating Profit after Tax (NOPAT)	8.96	11	14	17	19	24	28	31	25	31	41
Normalized NOPAT Margin	27.85%	30.39%	33.99%	36.15%	35.01%	38.12%	39.90%	41.96%	38.17%	41.32%	44.31%
Pre Tax Income Margin	36.17%	40.56%	43.64%	43.48%	40.68%	43.96%	46.91%	48.83%	41.33%	46.00%	50.58%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.51	4.85	4.61	3.33	2.57	5.33	6.05	1.53	0.51	0.60	0.88
NOPAT to Interest Expense	3.47	3.64	3.59	2.77	2.21	4.62	5.15	1.32	0.47	0.54	0.77
EBIT Less CapEx to Interest Expense	4.40	4.83	4.53	3.24	2.43	5.09	5.86	1.46	0.48	0.59	0.87
NOPAT Less CapEx to Interest Expense	3.36	3.61	3.51	2.68	2.08	4.38	4.95	1.25	0.44	0.53	0.76
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	20.69%	17.16%	10.59%	11.65%	11.95%	10.15%	9.41%	7.12%	13.08%	14.37%	9.87%
Augmented Payout Ratio	20.69%	17.16%	10.59%	11.65%	15.32%	10.15%	9.41%	7.12%	13.08%	14.37%	9.95%

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

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,025,485.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,026,828.00	17,025,485.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	0.47	0.55	0.52	0.60	0.62	0.67
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-15.69%	-14.10%	-4.35%	0.81%	13.09%	27.76%	23.50%	27.46%	23.81%	19.03%	22.00%
EBITDA Growth	-26.62%	-36.64%	-13.22%	-16.69%	20.44%	44.49%	63.51%	54.39%	31.25%	26.84%	10.91%
EBIT Growth	-26.13%	-34.03%	-5.10%	-10.05%	26.83%	44.61%	60.42%	52.31%	43.05%	35.99%	17.99%
NOPAT Growth	-20.71%	-27.56%	4.21%	-3.22%	31.24%	37.42%	38.64%	41.67%	37.41%	30.64%	21.48%
Net Income Growth	-20.71%	-27.56%	4.21%	-3.22%	31.24%	37.42%	38.64%	41.67%	37.41%	30.64%	21.48%
EPS Growth	-19.05%	-29.17%	5.26%	-2.63%	29.41%	38.24%	37.50%	40.54%	36.36%	31.91%	21.82%
Operating Cash Flow Growth	-64.51%	-27.34%	6.57%	-65.64%	165.23%	30.80%	19.43%	223.26%	21.05%	46.08%	38.12%
Free Cash Flow Firm Growth	81.35%	-202.64%	-258.64%	-15,844.29%	-396.60%	98.81%	128.73%	157.14%	108.23%	-37.72%	-215.07%
Invested Capital Growth	6.65%	112.70%	74.04%	50.71%	25.39%	13.36%	-9.44%	-15.76%	0.66%	16.06%	18.01%
Revenue Q/Q Growth	-5.21%	-1.00%	5.53%	1.79%	6.34%	11.84%	2.01%	5.06%	3.30%	7.52%	4.56%
EBITDA Q/Q Growth	-13.90%	-7.27%	6.59%	-2.12%	24.48%	11.25%	20.63%	-7.58%	5.83%	7.52%	5.47%
EBIT Q/Q Growth	-14.34%	-2.94%	10.46%	-2.06%	20.78%	10.67%	22.55%	-7.02%	13.44%	5.21%	6.32%
NOPAT Q/Q Growth	-11.78%	2.70%	14.86%	-7.00%	19.63%	7.53%	15.88%	-4.96%	16.03%	2.23%	7.76%
Net Income Q/Q Growth	-11.78%	2.70%	14.86%	-7.00%	19.63%	7.53%	15.88%	-4.96%	16.03%	2.23%	7.76%
EPS Q/Q Growth	-10.53%	0.00%	17.65%	-7.50%	18.92%	6.82%	17.02%	-5.45%	15.38%	3.33%	8.06%
Operating Cash Flow Q/Q Growth	-68.01%	178.97%	98.08%	-80.57%	146.98%	37.57%	80.88%	-47.40%	-7.51%	66.01%	71.02%
Free Cash Flow Firm Q/Q Growth	-2,525.03%	-14,212.60%	93.44%	30.89%	23.51%	65.70%	258.44%	37.48%	-88.98%	-673.99%	-32.38%
Invested Capital Q/Q Growth	57.20%	-23.86%	42.17%	-11.44%	30.79%	-31.16%	13.57%	-17.61%	56.28%	-20.63%	15.48%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	44.25%	41.45%	41.86%	40.25%	47.12%	46.87%	55.42%	48.76%	49.95%	49.95%	50.39%
EBIT Margin	40.15%	39.36%	41.20%	39.64%	45.03%	44.56%	53.52%	47.37%	52.02%	50.91%	51.76%
Profit (Net Income) Margin	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%	45.40%
Tax Burden Percent	89.59%	94.79%	98.57%	93.60%	92.71%	90.08%	85.18%	87.06%	89.05%	86.54%	87.70%
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	10.41%	5.21%	1.43%	6.40%	7.29%	9.92%	14.82%	12.94%	10.95%	13.46%	12.30%
Return on Invested Capital (ROIC)	6.77%	0.00%	8.26%	8.08%	6.64%	9.43%	8.90%	9.98%	8.29%	11.12%	10.51%
ROIC Less NNEP Spread (ROIC-NNEP)	6.77%	0.00%	8.26%	8.08%	6.64%	9.43%	8.90%	9.98%	8.29%	11.12%	10.51%
Return on Net Nonoperating Assets (RNNOA)	6.73%	0.00%	5.28%	3.97%	6.90%	3.96%	6.55%	4.22%	8.09%	4.51%	5.76%
Return on Equity (ROE)	13.50%	12.97%	13.54%	12.05%	13.54%	13.39%	15.45%	14.21%	16.38%	15.63%	16.27%
Cash Return on Invested Capital (CROIC)	0.93%	-878.91%	-46.27%	-32.22%	-16.29%	-3.14%	17.97%	27.31%	7.11%	-3.69%	-6.27%
Operating Return on Assets (OROA)	1.02%	0.92%	0.97%	0.93%	1.06%	1.08%	1.38%	1.28%	1.43%	1.45%	1.54%
Return on Assets (ROA)	0.92%	0.87%	0.95%	0.87%	0.98%	0.98%	1.17%	1.11%	1.28%	1.25%	1.35%
Return on Common Equity (ROCE)	13.50%	12.97%	13.54%	12.05%	13.54%	13.39%	15.45%	14.21%	16.38%	15.63%	16.27%
Return on Equity Simple (ROE_SIMPLE)	13.69%	12.30%	0.00%	11.36%	12.06%	12.46%	0.00%	13.60%	14.15%	14.58%	0.00%
Net Operating Profit after Tax (NOPAT)	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
NOPAT Margin	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%	45.40%
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	45.39%	49.18%	48.53%	44.50%	41.02%	39.63%	41.18%	36.74%	36.11%	36.52%	38.23%
Operating Expenses to Revenue	58.78%	58.79%	59.71%	56.60%	52.31%	50.04%	50.77%	46.78%	47.08%	47.21%	47.73%
Earnings before Interest and Taxes (EBIT)	6.37	6.18	6.83	6.69	8.08	8.94	11	10	12	12	13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	7.02	6.51	6.94	6.79	8.46	9.41	11	10	11	12	13
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.43	2.45	2.78	2.43	2.16	1.76	0.00	0.00	0.00	0.00	2.05
Price to Tangible Book Value (P/TBV)	2.43	2.45	2.78	2.43	2.16	1.76	0.00	0.00	0.00	0.00	2.05
Price to Revenue (P/Rev)	6.96	7.43	8.82	8.09	7.03	5.65	0.00	0.00	0.00	0.00	6.16
Price to Earnings (P/E)	17.77	19.90	23.11	21.42	17.92	14.15	0.00	0.00	0.00	0.00	13.90
Dividend Yield	0.95%	1.08%	0.95%	1.07%	1.23%	1.48%	1.63%	1.64%	1.72%	1.74%	1.19%
Earnings Yield	5.63%	5.03%	4.33%	4.67%	5.58%	7.07%	0.00%	0.00%	0.00%	0.00%	7.20%
Enterprise Value to Invested Capital (EV/IC)	1.27	1.10	1.43	1.26	1.18	1.05	0.00	0.00	0.00	0.00	1.34
Enterprise Value to Revenue (EV/Rev)	6.95	4.79	8.91	6.96	8.25	4.77	0.00	0.00	0.00	0.00	6.26
Enterprise Value to EBITDA (EV/EBITDA)	14.17	10.59	20.20	16.60	19.30	10.78	0.00	0.00	0.00	0.00	12.56
Enterprise Value to EBIT (EV/EBIT)	15.60	11.56	21.56	17.36	19.94	11.15	0.00	0.00	0.00	0.00	12.37
Enterprise Value to NOPAT (EV/NOPAT)	17.73	12.83	23.34	18.43	21.02	11.94	0.00	0.00	0.00	0.00	14.12
Enterprise Value to Operating Cash Flow (EV/OCF)	18.00	12.98	23.21	21.76	22.97	13.19	0.00	0.00	0.00	0.00	13.69
Enterprise Value to Free Cash Flow (EV/FCFF)	139.81	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.92	0.43	0.97	0.66	1.15	0.41	0.54	0.22	0.83	0.40	0.56
Long-Term Debt to Equity	0.92	0.43	0.97	0.66	1.15	0.41	0.54	0.22	0.83	0.40	0.56
Financial Leverage	1.00	-6.19	0.64	0.49	1.04	0.42	0.74	0.42	0.98	0.41	0.55
Leverage Ratio	14.73	14.82	14.19	13.89	13.78	13.73	13.19	12.77	12.82	12.46	12.05
Compound Leverage Factor	14.73	14.82	14.19	13.89	13.78	13.73	13.19	12.77	12.82	12.46	12.05
Debt to Total Capital	47.82%	30.10%	49.15%	39.72%	53.45%	29.10%	34.90%	17.90%	45.33%	28.63%	35.83%
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	47.82%	30.10%	49.15%	39.72%	53.45%	29.10%	34.90%	17.90%	45.33%	28.63%	35.83%
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	52.18%	69.90%	50.85%	60.28%	46.55%	70.90%	65.10%	82.10%	54.67%	71.37%	64.17%
Debt to EBITDA	5.35	2.89	6.96	5.23	8.74	2.98	3.56	1.36	5.06	2.39	3.37
Net Debt to EBITDA	-0.03	-5.83	0.21	-2.70	2.85	-2.00	-1.57	-2.57	2.10	-0.74	0.20
Long-Term Debt to EBITDA	5.35	2.89	6.96	5.23	8.74	2.98	3.56	1.36	5.06	2.39	3.37
Debt to NOPAT	6.70	3.50	8.04	5.80	9.52	3.29	4.11	1.60	5.86	2.75	3.78
Net Debt to NOPAT	-0.04	-7.07	0.24	-2.99	3.11	-2.21	-1.81	-3.02	2.43	-0.85	0.22
Long-Term Debt to NOPAT	6.70	3.50	8.04	5.80	9.52	3.29	4.11	1.60	5.86	2.75	3.78
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)	-18	-2,523	-166	-114	-88	-30	48	65	7.21	-41	-55
Operating Cash Flow to CapEx	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%	15,598.29%
Free Cash Flow to Firm to Interest Expense	-1.34	-183.17	-11.45	-7.82	-5.70	-2.21	3.39	4.64	0.50	-3.34	-4.46
Operating Cash Flow to Interest Expense	0.15	0.41	0.76	0.15	0.35	0.54	0.94	0.49	0.45	0.86	1.49
Operating Cash Flow Less CapEx to Interest Expense	0.14	0.36	0.75	0.14	0.33	0.53	0.92	0.46	0.43	0.86	1.48
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	4.60	4.35	4.24	4.23	4.38	4.63	4.89	5.19	5.49	5.83	6.16
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	374	285	405	359	469	323	367	302	472	375	433
Invested Capital Turnover	0.19	-0.07	0.20	0.22	0.16	0.24	0.20	0.24	0.18	0.25	0.23
Increase / (Decrease) in Invested Capital	23	2,529	172	121	95	38	-38	-57	3.09	52	66
Enterprise Value (EV)	474	314	578	453	554	341	0.00	0.00	0.00	0.00	579
Market Capitalization	475	487	572	526	472	404	0.00	0.00	0.00	0.00	570
Book Value per Share	$11.47	$11.70	$12.10	$12.70	$12.83	$13.45	$14.03	$14.58	$15.17	$15.72	$16.32
Tangible Book Value per Share	$11.47	$11.70	$12.10	$12.70	$12.83	$13.45	$14.03	$14.58	$15.17	$15.72	$16.32
Total Capital	374	285	405	359	469	323	367	302	472	375	433
Total Debt	179	86	199	143	251	94	128	54	214	107	155
Total Long-Term Debt	179	86	199	143	251	94	128	54	214	107	155
Net Debt	-0.94	-173	5.91	-74	82	-63	-56	-102	89	-33	9.02
Capital Expenditures (CapEx)	0.17	0.66	0.20	0.15	0.18	0.05	0.31	0.40	0.21	0.01	0.12
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)	179	86	199	143	251	94	128	54	214	107	155
Total Depreciation and Amortization (D&A)	0.65	0.33	0.11	0.10	0.38	0.47	0.39	0.30	-0.46	-0.23	-0.34
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62	$0.67
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	$0.34	$0.34	$0.40	$0.37	$0.44	$0.47	$0.55	$0.52	$0.60	$0.62	$0.67
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	$0.40	$0.00	$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	0.00	0.00	0.00	0.00	0.00	17.03M	17.03M
Normalized Net Operating Profit after Tax (NOPAT)	5.71	5.86	6.73	6.26	7.49	8.05	9.33	8.87	10	11	11
Normalized NOPAT Margin	35.97%	37.31%	40.61%	37.11%	41.74%	40.14%	45.59%	41.24%	46.33%	44.05%	45.40%
Pre Tax Income Margin	40.15%	39.36%	41.20%	39.64%	45.03%	44.56%	53.52%	47.37%	52.02%	50.91%	51.76%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.48	0.45	0.47	0.46	0.53	0.66	0.78	0.72	0.80	0.98	1.05
NOPAT to Interest Expense	0.43	0.43	0.47	0.43	0.49	0.59	0.67	0.63	0.71	0.85	0.92
EBIT Less CapEx to Interest Expense	0.47	0.40	0.46	0.45	0.51	0.66	0.76	0.69	0.79	0.98	1.04
NOPAT Less CapEx to Interest Expense	0.42	0.38	0.45	0.42	0.48	0.59	0.64	0.60	0.70	0.85	0.91
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	11.54%	12.91%	13.08%	13.89%	16.39%	15.40%	14.37%	11.03%	8.13%	10.18%	9.87%
Augmented Payout Ratio	11.54%	12.91%	13.08%	13.89%	16.39%	15.40%	14.37%	11.03%	8.13%	10.18%	9.95%

Financials Breakdown Chart

Key Financial Trends

Greene County Bancorp’s latest financial data points to continued earnings momentum, although deposit volatility and a highly securities-focused balance sheet remain important risks. In Q4 2026, net income increased to $11.3 million from $10.5 million in Q3 2026, while diluted earnings per share rose to $0.67 from $0.62. Compared with Q3 2023, quarterly net income is up from $8.1 million and diluted EPS has increased from $0.48.

Revenue growth has been driven primarily by net interest income. Q4 2026 net interest income reached $21.1 million, up from $20.2 million in Q3 and $15.2 million in Q3 2023. Loans and leases interest income also increased to $23.0 million from $22.1 million in the prior quarter. However, deposit interest expense remains substantial at $11.9 million, limiting the benefit of higher interest income.

The company’s balance sheet has expanded over the longer term. Total assets increased from approximately $2.73 billion in Q3 2023 to $3.18 billion in Q3 2026, while common equity rose from $178.7 million to $267.6 million. The latest balance sheet also shows approximately $2.78 billion of deposits and $107.3 million of long-term debt. The supplied data does not include a Q4 2026 balance sheet, so the most recent balance-sheet figures are from Q3 2026.

Improving earnings trend: Quarterly net income has generally climbed over the supplied period, reaching $11.3 million in Q4 2026 versus $6.5 million in Q1 2023.
Higher earnings per share: Diluted EPS increased to $0.67 in Q4 2026 from $0.37 in Q1 2025 and $0.48 in Q3 2023, with the share count remaining broadly stable near 17 million.
Net interest income growth: Q4 2026 net interest income rose 4.7% sequentially and is materially above the $13.1 million reported in Q1 2025.
Strong operating cash flow: Net cash from operating activities increased to $18.3 million in Q4 2026 from $10.7 million in Q3 and $6.4 million in Q2.
Lower credit-loss provision in the latest quarter: The provision for credit losses declined to $126,000 in Q4 2026 from $451,000 in Q3, providing a meaningful lift to pretax income.
Growing capital base: Common equity increased to $267.6 million in Q3 2026 from $248.2 million in Q1 2026 and $178.7 million in Q3 2023, supporting balance-sheet resilience.
Large securities portfolio: Trading account securities totaled approximately $1.19 billion in Q3 2026, or roughly 37% of total assets. This provides liquidity and interest income, but also makes results sensitive to interest-rate movements and market valuations.
Investment portfolio turnover remains high: The company purchased $130.6 million of investment securities and sold or received maturities of $130.1 million in Q4 2026. This activity appears largely portfolio-management related, but its effect on future yields and realized gains is uncertain.
Deposit outflow in Q4: Net change in deposits was negative $59.2 million in Q4 2026 after a $131.5 million increase in Q3, indicating that funding conditions may be volatile.
High funding costs and expense growth: Deposit interest expense was $11.9 million in Q4 2026, while total non-interest expense increased to $11.9 million from $11.3 million in Q3. Continued pressure on funding and operating costs could limit future margin expansion.

Overall, the statements show a bank with improving profitability, stronger operating cash generation and a larger capital base. Investors should continue monitoring deposit trends, the cost of interest-bearing funding, securities valuations and whether recent earnings growth can persist without relying on favorable interest-rate or portfolio conditions.

09/19/26 06:28 PM 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 2026 ended on June 30, 2026.

Greene County Bancorp's net income appears to be on an upward trend, with a most recent value of $41.02 million in 2026, rising from $8.96 million in 2016. The previous period was $31.14 million in 2025. View Greene County Bancorp's forecast to see where analysts expect Greene County Bancorp to go next.

Over the last 10 years, Greene County Bancorp's total revenue changed from $32.19 million in 2016 to $92.58 million in 2026, a change of 187.6%.

Greene County Bancorp's total liabilities were at $2.91 billion at the end of 2026, a 3.7% increase from 2025, and a 265.7% increase since 2016.

In the past 10 years, Greene County Bancorp's cash and equivalents has ranged from $12.31 million in 2026 to $149.78 million in 2021, and is currently $12.31 million as of their latest financial filing in 2026.

Over the last 10 years, Greene County Bancorp's book value per share changed from 8.77 in 2016 to 16.32 in 2026, a change of 86.1%.

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Financial statements for NASDAQ:GCBC last updated on 9/9/2026 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

Annual Balance Sheets for Greene County Bancorp

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 fiscal 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?

How much cash does Greene County Bancorp have?

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

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