NASDAQ : GCBC
Greene County Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 35.87 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 610.70M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 92.44M | 89.47M | 79.98M | 71.54M | 60.05M | 47.12M |
| Interest Income on Investments | 41.66M | 41.66M | 37.73M | 32.12M | 24.58M | 16.32M |
| Total Interest Income | 134.10M | 131.13M | 117.70M | 103.66M | 84.62M | 63.44M |
| Interest Paid on Deposits | 49.75M | 51.14M | 55.06M | 49.71M | 20.05M | 3.48M |
| Interest Paid on Borrowings | 2.07M | 2.07M | 2.53M | 2.97M | 3.35M | 1.96M |
| Total Interest Expense | 51.82M | 53.21M | 57.58M | 52.69M | 23.41M | 5.44M |
| Net Interest Income | 82.28M | 77.91M | 60.12M | 50.98M | 61.22M | 58.01M |
| Gain (Loss) on Sale of Investments | -576.00K | -576.00K | -665.00K | -251.00K | ||
| Other Non-Interest Income | 9.09M | 10.17M | 10.41M | 9.27M | 7.68M | 7.70M |
| Total Non-Interest Income | 13.59M | 14.67M | 14.62M | 13.91M | 12.15M | 12.14M |
| Revenues Before Loan Losses | 95.87M | 92.58M | 74.74M | 64.89M | 73.36M | 70.14M |
| Provision for Loan Losses | 344.00K | 2.03M | 1.32M | 766.00K | -1.07M | 3.28M |
| Revenue | 95.53M | 90.55M | 73.43M | 64.12M | 74.44M | 66.86M |
| Salaries and Employee Benefits | 22.86M | 22.86M | 21.13M | 20.22M | 18.82M | 16.23M |
| Federal Deposit Insurance | 1.48M | 1.48M | 1.37M | 1.29M | 1.08M | 826.00K |
| Selling, General & Administrative | 14.82M | 14.82M | 13.11M | 12.70M | 15.68M | 13.58M |
| Other Non-Interest Expense | 4.39M | 3.65M | 3.15M | 3.10M | 3.03M | 3.33M |
| Total Non-Interest Expense | 43.55M | 42.81M | 38.76M | 37.30M | 38.61M | 33.96M |
| EBT Excluding Unusual Items | 51.98M | 47.74M | 34.67M | 26.82M | 35.83M | 32.91M |
| Other Unusual Items | -905.00K | -905.00K | ||||
| Pretax Income | 51.07M | 46.83M | 34.67M | 26.82M | 35.83M | 32.91M |
| Income Tax Expense | 6.42M | 5.81M | 3.53M | 2.05M | 5.04M | 4.92M |
| Net Income | 44.65M | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M |
| Net Income to Common | 44.65M | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M |
| Basic Shares Outstanding | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |
| Diluted Shares Outstanding | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |
| EPS (Basic) | 2.62 | 2.41 | 1.83 | 1.45 | 1.81 | 1.64 |
| EPS (Diluted) | 2.62 | 2.41 | 1.83 | 1.45 | 1.81 | 1.64 |
| Dividend Per Share | 0.42 | 0.41 | 0.37 | 0.33 | 0.29 | 0.27 |
| Effective Tax Rate | 12.57% | 12.41% | 10.18% | 7.64% | 14.07% | 14.95% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 135.00M | 144.91M | 183.08M | 190.40M | 196.44M | 69.01M |
| Investment Securities | 1.23B | 760.85M | 759.26M | 743.24M | 722.46M | 846.31M |
| Trading Asset Securities | 2.11M | 4.73M | 585.00K | |||
| Mortgage-Backed Securities | 419.85M | 374.77M | 300.27M | 289.92M | 327.99M | |
| Total Investments | 1.23B | 1.18B | 1.14B | 1.04B | 1.01B | 1.17B |
| Gross Loans | 1.78B | 1.75B | 1.63B | 1.50B | 1.41B | 1.25B |
| Allowance for Loan Losses | -21.44M | -21.86M | -20.15M | -19.24M | -21.21M | -22.76M |
| Other Adjustments to Gross Loans | -397.00K | -567.00K | ||||
| Net Loans | 1.75B | 1.73B | 1.61B | 1.48B | 1.39B | 1.23B |
| Property, Plant & Equipment | 14.66M | 17.04M | 17.52M | 17.68M | 17.22M | 16.34M |
| Accrued Interest Receivable | 18.61M | 17.18M | 16.38M | 14.27M | 12.25M | 8.92M |
| Other Current Assets | 18.04M | 1.90M | 1.76M | 2.48M | 2.66M | 1.88M |
| Long-Term Deferred Tax Assets | 11.44M | 10.54M | 12.09M | 12.63M | 11.38M | |
| Other Real Estate Owned & Foreclosed | 135.00K | 302.00K | 68.00K | |||
| Other Long-Term Assets | 69.63M | 68.89M | 59.80M | 57.25M | 55.06M | 53.70M |
| Total Assets | 3.24B | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B |
| Accrued Expenses | 42.63M | 7.85M | 7.93M | 7.63M | 7.59M | 10.26M |
| Interest Bearing Deposits | 2.69B | 2.52B | 2.53B | 2.26B | 2.28B | 2.02B |
| Institutional Deposits | 51.05M | |||||
| Non-Interest Bearing Deposits | 154.17M | 140.23M | 110.16M | 125.44M | 159.04M | 187.70M |
| Total Deposits | 2.85B | 2.71B | 2.64B | 2.39B | 2.44B | 2.21B |
| Short-Term Borrowings | 40.00M | 119.32M | 74.45M | 115.47M | 123.70M | |
| Current Portion of Leases | 583.00K | |||||
| Long-Term Debt | 20.00M | 29.98M | 49.87M | 74.64M | 49.49M | 49.31M |
| Federal Home Loan Bank Debt, Long-Term | 6.17M | 6.17M | 4.19M | 9.20M | ||
| Long-Term Leases | 1.70M | 2.37M | 2.16M | 2.28M | 2.04M | |
| Pension & Post-Retirement Benefits | 20.30M | 16.93M | 14.66M | 12.18M | 10.02M | |
| Other Long-Term Liabilities | 6.30M | 6.20M | 6.80M | 6.30M | 6.10M | |
| Total Liabilities | 2.96B | 2.91B | 2.80B | 2.62B | 2.52B | 2.41B |
| Common Stock | 285.98M | 1.72M | 1.72M | 1.72M | 1.72M | 1.72M |
| Additional Paid-In Capital | 10.16M | 10.16M | 10.16M | 10.16M | 10.16M | |
| Retained Earnings | 278.38M | 241.40M | 214.74M | 193.72M | 165.13M | |
| Treasury Stock | -940.00K | -908.00K | -908.00K | -908.00K | -908.00K | |
| Comprehensive Income & Other | -11.48M | -13.54M | -19.71M | -21.41M | -18.38M | |
| Shareholders' Equity | 285.98M | 277.83M | 238.84M | 206.00M | 183.28M | 157.71M |
| Total Liabilities & Equity | 3.24B | 3.18B | 3.04B | 2.83B | 2.70B | 2.57B |
| Total Debt | 66.17M | 157.75M | 130.88M | 201.47M | 51.77M | 175.05M |
| Net Cash (Debt) | 70.06M | -9.51M | 58.36M | -7.66M | 149.25M | -101.93M |
| Net Cash Per Share | 4.11 | -0.56 | 3.43 | -0.45 | 8.77 | -5.99 |
| Filing Date Shares Outstanding | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |
| Total Common Shares Outstanding | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |
| Book Value Per Share | 16.80 | 16.32 | 14.03 | 12.10 | 10.76 | 9.26 |
| Tangible Book Value | 285.98M | 277.83M | 238.84M | 206.00M | 183.28M | 157.71M |
| Tangible Book Value Per Share | 16.80 | 16.32 | 14.03 | 12.10 | 10.76 | 9.26 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 41.02M | 31.14M | 24.77M | 30.79M | 27.99M | |
| Depreciation & Amortization | 1.13M | 1.06M | 928.00K | 871.00K | 826.00K | |
| Other Amortization | 516.00K | 569.00K | 578.00K | 444.00K | -3.15M | |
| Gain (Loss) on Sale of Assets | -60.00K | 26.00K | -39.00K | |||
| Gain (Loss) on Sale of Investments | -1.81M | 364.00K | 297.00K | 2.67M | 3.39M | |
| Provision for Credit Losses | 2.03M | 1.32M | 766.00K | -1.07M | 3.28M | |
| Accrued Interest Receivable | -803.00K | -2.11M | -2.02M | -3.33M | -1.14M | |
| Change in Income Taxes | 437.00K | 434.00K | 322.00K | -1.12M | -1.00K | |
| Change in Other Net Operating Assets | 4.16M | -1.47M | 1.61M | 389.00K | 6.13M | |
| Other Operating Activities | -4.40M | -3.25M | -2.26M | -1.52M | -1.95M | |
| Operating Cash Flow | 42.30M | 27.98M | 24.91M | 28.11M | 35.35M | |
| Capital Expenditures | -741.00K | -691.00K | -1.51M | -1.54M | -1.05M | |
| Investment in Securities | -40.90M | -82.60M | -30.05M | 154.82M | -309.09M | |
| Income (Loss) Equity Investments | 14.00K | -74.00K | -22.00K | -33.00K | 34.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -126.68M | -128.66M | -92.42M | -157.95M | -143.41M | |
| Other Investing Activities | -8.62M | 1.79M | -5.26M | 5.32M | -17.64M | |
| Investing Cash Flow | -176.93M | -210.17M | -129.24M | 661.00K | -471.18M | |
| Short-Term Debt Issued | 45.00M | 115.30M | 123.70M | |||
| Long-Term Debt Issued | 1.98M | 4.19M | 34.16M | 29.50M | ||
| Total Debt Issued | 46.98M | 4.19M | 149.46M | 153.20M | ||
| Short-Term Debt Repaid | -41.30M | -123.70M | -3.00M | |||
| Long-Term Debt Repaid | -20.00M | -34.16M | ||||
| Total Debt Repaid | -20.00M | -75.46M | -123.70M | -3.00M | ||
| Net Debt Issued (Repaid) | 26.98M | -71.27M | 149.46M | -123.70M | 150.20M | |
| Repurchase of Common Stock | -32.00K | |||||
| Common Dividends Paid | -4.05M | -4.47M | -3.24M | -2.19M | -2.63M | |
| Net Increase (Decrease) in Deposit Accounts | 73.56M | 250.61M | -47.94M | 224.56M | 207.50M | |
| Financing Cash Flow | 96.46M | 174.87M | 98.28M | 98.67M | 355.06M | |
| Net Cash Flow | -38.17M | -7.32M | -6.05M | 127.44M | -80.77M | |
| Free Cash Flow | 41.56M | 27.29M | 23.40M | 26.57M | 34.30M | |
| Free Cash Flow Margin | 45.90% | 37.16% | 36.50% | 35.70% | 51.30% | |
| Free Cash Flow Per Share | 2.44 | 1.60 | 1.37 | 1.56 | 2.02 | |
| Cash Interest Paid | 53.23M | 57.86M | 52.07M | 23.07M | 5.18M | |
| Cash Income Tax Paid | 2.27M | 1.17M | 1.80M | 6.31M | 5.60M |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 608.83M | 571.89M | 378.34M | 573.97M | 507.40M | 385.57M |
| Last Close Price | 35.76 | 33.48 | 21.78 | 32.62 | 28.52 | 21.43 |
| PE Ratio | 13.63 | 13.94 | 12.15 | 23.17 | 16.48 | 13.78 |
| PS Ratio | 6.37 | 6.32 | 5.15 | 8.95 | 6.82 | 5.77 |
| PB Ratio | 2.13 | 2.06 | 1.58 | 2.79 | 2.77 | 2.44 |
| P/FCF Ratio | 14.65 | 13.76 | 13.87 | 24.53 | 19.09 | 11.24 |
| P/OCF Ratio | 14.39 | 13.52 | 13.52 | 23.04 | 18.05 | 10.91 |
| Debt / Equity Ratio | 0.23 | 0.57 | 0.55 | 0.98 | 0.28 | 1.11 |
| Debt / FCF Ratio | 3.80 | 4.80 | 8.61 | 1.95 | 5.10 | |
| Net Debt / Equity Ratio | -0.24 | 0.03 | -0.24 | 0.04 | -0.81 | 0.65 |
| Net Debt / FCF Ratio | 0.23 | -2.14 | 0.33 | -5.62 | 2.97 | |
| Return on Equity (ROE) | 16.72% | 15.88% | 14.00% | 12.72% | 18.06% | 18.21% |
| Return on Assets (ROA) | 1.42% | 1.32% | 1.06% | 0.90% | 1.17% | 1.17% |
| Earnings Yield | 7.33% | 7.17% | 8.23% | 4.32% | 6.07% | 7.26% |
| FCF Yield | 6.83% | 7.27% | 7.21% | 4.08% | 5.24% | 8.90% |
| Dividend Yield | 1.23% | 1.22% | 1.67% | 0.98% | 0.97% | 1.17% |
| Payout Ratio | 16.78% | 9.87% | 14.37% | 13.08% | 7.12% | 9.41% |
| Buyback Yield / Dilution | 0.01% | 0.01% | ||||
| Total Shareholder Return | 1.24% | 1.23% | 1.67% | 0.98% | 0.97% | 1.17% |