What is Greene Cnty Bancorp Inc's earnings per share (EPS)?

Greene Cnty Bancorp Inc (GCBC) reported diluted earnings per share of $1.83 for fiscal year 2025. This represents a 26.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Greene Cnty Bancorp Inc Financials

GCBC

Source SEC Filings (10-K/10-Q) Updated Feb 6, 2026 Currency USD FYE June

This page shows Greene Cnty Bancorp Inc (GCBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 45/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Greene Cnty Bancorp Inc's revenue grew 13.5% year-over-year to $117.7M, a solid pace of expansion. This earns a growth score of 56/100.

Leverage

Greene Cnty Bancorp Inc has elevated debt relative to equity (D/E of 11.73), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Greene Cnty Bancorp Inc converts 23.2% of revenue into free cash flow ($27.3M). This strong cash generation earns a score of 83/100.

Returns

Greene Cnty Bancorp Inc's ROE of 13.0% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 12.0% the prior year.

Piotroski F-Score Neutral

5/9

Greene Cnty Bancorp Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.90x

For every $1 of reported earnings, Greene Cnty Bancorp Inc generates $0.90 in operating cash flow ($28.0M OCF vs $31.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$117.7M

YoY+13.5%

5Y CAGR+17.2%

10Y CAGR+16.4%

Greene Cnty Bancorp Inc generated $117.7M in revenue in fiscal year 2025. This represents an increase of 13.5% from the prior year.

EBITDA

N/A

Net Income

$31.1M

YoY+25.7%

5Y CAGR+10.7%

10Y CAGR+15.8%

Greene Cnty Bancorp Inc reported $31.1M in net income in fiscal year 2025. This represents an increase of 25.7% from the prior year.

EPS (Diluted)

$1.83

YoY+26.2%

5Y CAGR-3.6%

10Y CAGR+8.0%

Greene Cnty Bancorp Inc earned $1.83 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$27.3M

YoY+16.6%

5Y CAGR+1.3%

10Y CAGR+8.5%

Greene Cnty Bancorp Inc generated $27.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 16.6% from the prior year.

Cash & Debt

$183.1M

YoY-3.8%

5Y CAGR+35.2%

Greene Cnty Bancorp Inc held $183.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.36

YoY+12.5%

5Y CAGR-3.9%

10Y CAGR+0.0%

Greene Cnty Bancorp Inc paid $0.36 per share in dividends in fiscal year 2025. This represents an increase of 12.5% from the prior year.

Shares Outstanding

17M

YoY+0.0%

5Y CAGR+14.9%

10Y CAGR+15.0%

Greene Cnty Bancorp Inc had 17M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.5%

YoY+2.6pp

5Y CAGR-8.7pp

10Y CAGR-1.5pp

Greene Cnty Bancorp Inc's net profit margin was 26.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

13.0%

YoY+1.0pp

5Y CAGR-1.5pp

10Y CAGR+2.3pp

Greene Cnty Bancorp Inc's ROE was 13.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$691K

YoY-54.1%

5Y CAGR-9.1%

10Y CAGR-0.9%

Greene Cnty Bancorp Inc invested $691K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 54.1% from the prior year.

GCBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$117.7M+13.5%	$103.7M+22.5%	$84.6M+33.4%	$63.4M+8.8%	$58.3M+9.4%	$53.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$57.6M+9.3%	$52.7M+125.1%	$23.4M+330.4%	$5.4M+4.9%	$5.2M-38.9%	$8.5M
Income Tax	$3.5M+72.1%	$2.0M-59.3%	$5.0M+2.5%	$4.9M+33.9%	$3.7M+21.3%	$3.0M
Net Income	$31.1M+25.7%	$24.8M-19.5%	$30.8M+10.0%	$28.0M+16.9%	$23.9M+27.8%	$18.7M
EPS (Diluted)	$1.83+26.2%	$1.45-19.9%	$1.81+10.4%	$1.64-41.6%	$2.81+27.7%	$2.20

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$33K-99.9%	$33.5M+5.9%	$31.6M+2.9%	$30.7M+3.2%	$29.8M+1.2%	$29.4M+5.9%	$27.8M+1.6%	$27.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$14K-99.9%	$14.4M+2.4%	$14.1M+0.5%	$14.0M+3.4%	$13.6M-11.6%	$15.3M+4.9%	$14.6M+1.1%	$14.5M
Income Tax	$1K-99.9%	$1.3M-4.0%	$1.3M-18.8%	$1.6M+83.1%	$887K+50.6%	$589K+37.6%	$428K+336.7%	$98K
Net Income	$10K-99.9%	$10.3M+16.0%	$8.9M-5.0%	$9.3M+15.9%	$8.1M+7.5%	$7.5M+19.6%	$6.3M-7.0%	$6.7M
EPS (Diluted)	$0.600.0%	$0.60+15.4%	$0.52	N/A	$0.47+6.8%	$0.44+18.9%	$0.37	N/A

GCBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.0B+7.6%	$2.8B+4.7%	$2.7B+4.9%	$2.6B+16.9%	$2.2B+31.2%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$183.1M-3.8%	$190.4M-3.1%	$196.4M+184.7%	$69.0M-53.9%	$149.8M+270.2%	$40.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.8B+6.9%	$2.6B+4.2%	$2.5B+4.2%	$2.4B+17.7%	$2.1B+32.5%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	$0	$0	$0	N/A
Total Equity	$238.8M+15.9%	$206.0M+12.4%	$183.3M+16.2%	$157.7M+5.4%	$149.6M+16.1%	$128.8M
Retained Earnings	$241.4M+12.4%	$214.7M+10.9%	$193.7M+17.3%	$165.1M+18.1%	$139.8M+18.2%	$118.3M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$3.1M-99.9%	$3.1B+2.9%	$3.1B+0.6%	$3.0B+1.1%	$3.0B+1.4%	$3.0B+3.2%	$2.9B+1.7%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$183K-99.9%	$124.1M-19.7%	$154.6M-15.6%	$183.1M+17.7%	$155.5M-6.6%	$166.4M-22.0%	$213.5M+12.1%	$190.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.9M-99.9%	$2.9B+2.8%	$2.8B+0.3%	$2.8B+0.8%	$2.8B+1.1%	$2.7B+3.3%	$2.7B+1.5%	$2.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$258K-99.9%	$258.3M+4.1%	$248.2M+3.9%	$238.8M+4.3%	$229.0M+4.8%	$218.4M+1.0%	$216.3M+5.0%	$206.0M
Retained Earnings	$259K-99.9%	$259.0M+3.8%	$249.5M+3.4%	$241.4M+3.7%	$232.8M+3.3%	$225.4M+2.7%	$219.5M+2.2%	$214.7M

GCBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$28.0M+12.3%	$24.9M-11.4%	$28.1M-20.5%	$35.4M+27.4%	$27.8M+3.9%	$26.7M
Capital Expenditures	$691K-54.1%	$1.5M-2.0%	$1.5M+46.2%	$1.1M-16.2%	$1.3M+12.4%	$1.1M
Free Cash Flow	$27.3M+16.6%	$23.4M-11.9%	$26.6M-22.5%	$34.3M+29.5%	$26.5M+3.5%	$25.6M
Investing Cash Flow	-$210.2M-62.6%	-$129.2M-19651.4%	$661K+100.1%	-$471.2M-13.0%	-$417.1M-5.0%	-$397.3M
Financing Cash Flow	$174.9M+77.9%	$98.3M-0.4%	$98.7M-72.2%	$355.1M-28.8%	$498.7M+30.7%	$381.5M
Dividends Paid	$4.5M+38.1%	$3.2M+47.9%	$2.2M-16.8%	$2.6M+8.4%	$2.4M+8.6%	$2.2M
Share Buybacks	N/A	N/A	N/A	N/A	$0-100.0%	$631K

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$13K-99.8%	$6.4M-7.5%	$7.0M-47.4%	$13.2M+80.9%	$7.3M+37.6%	$5.3M+147.0%	$2.1M-80.6%	$11.1M
Capital Expenditures	$611-99.7%	$209K-48.0%	$402K+31.8%	$305K+486.5%	$52K-71.3%	$181K+18.3%	$153K-22.7%	$198K
Free Cash Flow	$13K-99.8%	$6.2M-5.0%	$6.5M-49.3%	$12.9M+78.0%	$7.3M+41.4%	$5.1M+156.8%	$2.0M-81.6%	$10.9M
Investing Cash Flow	$158K+100.1%	-$114.0M-158.8%	-$44.0M-993.4%	-$4.0M+91.6%	-$48.1M+65.7%	-$140.5M-701.8%	-$17.5M+17.7%	-$21.3M
Financing Cash Flow	$86K-99.9%	$77.1M+799.2%	$8.6M-53.4%	$18.4M-38.4%	$29.9M-66.1%	$88.1M+129.3%	$38.4M+169.6%	-$55.2M
Dividends Paid	$2K-99.8%	$785K+0.5%	$781K+11.1%	$703K+0.1%	$702K-54.3%	$1.5M+0.3%	$1.5M+145.7%	$624K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

GCBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.5%+2.6pp	23.9%-12.5pp	36.4%-7.7pp	44.1%+3.1pp	41.0%+5.9pp	35.1%
Return on Equity	13.0%+1.0pp	12.0%-4.8pp	16.8%-0.9pp	17.7%+1.7pp	16.0%+1.5pp	14.5%
Return on Assets	1.0%+0.1pp	0.9%-0.3pp	1.1%+0.1pp	1.1%0.0pp	1.1%-0.0pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.73-1.0	12.72+12.7	0.000.0	0.000.0	0.00-12.0	12.02
FCF Margin	23.2%+0.6pp	22.6%-8.8pp	31.4%-22.7pp	54.1%+8.6pp	45.4%-2.6pp	48.0%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.7%0.0pp	30.7%+2.7pp	28.1%-2.3pp	30.4%+3.3pp	27.1%+1.6pp	25.5%+2.9pp	22.6%-2.1pp	24.6%
Return on Equity	4.0%0.0pp	4.0%+0.4pp	3.6%-0.3pp	3.9%+0.4pp	3.5%+0.1pp	3.4%+0.5pp	2.9%-0.4pp	3.3%
Return on Assets	0.3%0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.190.0	11.19-0.1	11.32-0.4	11.73-0.4	12.13-0.4	12.58+0.3	12.29-0.4	12.72
FCF Margin	38.1%+19.5pp	18.6%-2.1pp	20.7%-21.3pp	42.0%+17.6pp	24.4%+6.9pp	17.4%+10.2pp	7.2%-32.6pp	39.8%

Similar Companies

Bankwell Financi BWFG

$394.2M

Acnb Corp ACNB

$497.0M

Red River Bancshares RRBI

$602.1M

Bank Marin Bancorp BMRC

$416.7M

Home Bancorp Inc HBCP

$481.1M

Frequently Asked Questions

What is Greene Cnty Bancorp Inc's annual revenue?

Greene Cnty Bancorp Inc (GCBC) reported $117.7M in total revenue for fiscal year 2025. This represents a 13.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Greene Cnty Bancorp Inc's revenue growing?

Greene Cnty Bancorp Inc (GCBC) revenue grew by 13.5% year-over-year, from $103.7M to $117.7M in fiscal year 2025.

Is Greene Cnty Bancorp Inc profitable?

Yes, Greene Cnty Bancorp Inc (GCBC) reported a net income of $31.1M in fiscal year 2025, with a net profit margin of 26.5%.

What is Greene Cnty Bancorp Inc's net profit margin?

Greene Cnty Bancorp Inc (GCBC) had a net profit margin of 26.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Greene Cnty Bancorp Inc pay dividends?

Yes, Greene Cnty Bancorp Inc (GCBC) paid $0.36 per share in dividends during fiscal year 2025.

What is Greene Cnty Bancorp Inc's return on equity (ROE)?

Greene Cnty Bancorp Inc (GCBC) has a return on equity of 13.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Greene Cnty Bancorp Inc's free cash flow?

Greene Cnty Bancorp Inc (GCBC) generated $27.3M in free cash flow during fiscal year 2025. This represents a 16.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Greene Cnty Bancorp Inc's operating cash flow?

Greene Cnty Bancorp Inc (GCBC) generated $28.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Greene Cnty Bancorp Inc's total assets?

Greene Cnty Bancorp Inc (GCBC) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Greene Cnty Bancorp Inc's capital expenditures?

Greene Cnty Bancorp Inc (GCBC) invested $691K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Greene Cnty Bancorp Inc have outstanding?

Greene Cnty Bancorp Inc (GCBC) had 17M shares outstanding as of fiscal year 2025.

What is Greene Cnty Bancorp Inc's debt-to-equity ratio?

Greene Cnty Bancorp Inc (GCBC) had a debt-to-equity ratio of 11.73 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Greene Cnty Bancorp Inc's return on assets (ROA)?

Greene Cnty Bancorp Inc (GCBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Greene Cnty Bancorp Inc's Piotroski F-Score?

Greene Cnty Bancorp Inc (GCBC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Greene Cnty Bancorp Inc's earnings high quality?

Greene Cnty Bancorp Inc (GCBC) has an earnings quality ratio of 0.90x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Greene Cnty Bancorp Inc?

Greene Cnty Bancorp Inc (GCBC) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.