Greene County Bancorp Inc
GCBC Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$35.75
KIRA · Stoqly’s AI analyst, in plain words
- Greene County Bancorp Inc had $92.6M of revenue in fiscal 2026, up 22.9% on the year before. Over five years, revenue changed +8.1% a year on average.
- Greene County Bancorp Inc made $41.0M of net profit in fiscal 2026. From fiscal 2017 to 2026, diluted EPS grew 7.0% a year.
- Greene County Bancorp Inc returned $4.1M to shareholders in fiscal 2026, 10% of free cash flow. The diluted share count fell 0.0%.
- It earned 15.9% on shareholders’ money. Running costs took 47.2% of revenue (the efficiency ratio; lower is better).
Market cap
$609M
P/E
14.8x
Revenue
$92.6M
Net income
$41.0M
Return on equity
15.9%
Efficiency ratio
47.2%
Greene County Bancorp Inc in 30 seconds · fiscal 2026
Are sales growing?
+22.9%
Yes. Sales grew 22.9% last year.
Does it make a profit?
44.3%
Yes. It keeps 44.3% of every sale as profit.
How lean are its costs?
47.2%
Lean. Running costs take 47.2% of revenue.
How much does it earn on its capital?
15.9%
Good. It earns 15.9% a year on shareholders’ money.
How is the share priced?
14.8x
One share costs 14.8 times its yearly profit per share.
What Greene County Bancorp Inc does
No business description yet.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 9, 2026
- Legal name
- GREENE COUNTY BANCORP INC
- CIK
- 0001070524
Greene County Bancorp Inc · GCBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $70.1M | $73.4M | $64.9M | $75.4M | $92.6M |
| Revenue growth | 11.7% | 4.6% | −11.6% | 16.1% | 22.9% |
| Net interest income | $58.0M | $61.2M | $51.0M | $60.1M | $77.9M |
| Net income | $28.0M | $30.8M | $24.8M | $31.1M | $41.0M |
| Net margin | 39.9% | 42.0% | 38.2% | 41.3% | 44.3% |
| Diluted EPS | $1.64 | $1.81 | $1.45 | $1.83 | $2.41 |
| Cash | |||||
| Cash from operations | $35.4M | $28.1M | $24.9M | $28.0M | $42.3M |
| Capital expenditure | $1.1M | $1.5M | $1.5M | $0.7M | $0.7M |
| Free cash flow | $34.3M | $26.6M | $23.4M | $27.3M | $41.6M |
| FCF margin | 48.9% | 36.2% | 36.1% | 36.2% | 44.9% |
| Dividends paid | $2.6M | $2.2M | $3.2M | $4.5M | $4.0M |
| Share buybacks | — | — | — | $0.0M | $0.0M |
| Share count change | 100.0% | 0.0% | 0.0% | 0.0% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $69.0M | $196M | $190M | $183M | $145M |
| Debt incl. finance leases | $0.0M | $0.0M | — | — | — |
| Deposits | $2.2B | $2.4B | $2.4B | $2.6B | $2.7B |
| Shareholders' equity | $158M | $183M | $206M | $239M | $278M |
| Returns and quality | |||||
| Return on equity | 18.2% | 18.1% | 12.7% | 14.0% | 15.9% |
| Return on tangible equity | 17.7% | 16.8% | 12.0% | 13.0% | 14.8% |
| Efficiency ratio | 48.4% | 52.6% | 57.5% | 52.2% | 47.2% |
| Piotroski F-score | 4 | 4 | — | — | — |
Insiders bought, 12 months
$0.6M
7 insiders
Insiders sold, 12 months
$0.3M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Greene County Bancorp Inc · GCBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $35.75 a share, the company is worth $609M: 14.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001070524). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.