GREENE COUNTY BANCORP INC GCBC

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Greene County Bancorp, MHC and Greene County Bancorp, Inc.

Greene County Bancorp, MHC was formed in December 1998 as part of the Bank of Greene County's mutual holding company reorganization. In 2001, Greene County Bancorp, MHC converted from a state to a federal charter. The Federal Reserve Board regulates Greene County Bancorp, MHC. Greene County Bancorp, MHC owns 54.1% of the issued and outstanding common stock of Greene County Bancorp, Inc. The remaining shares of Greene County Bancorp, Inc. are owned by public stockholders and the Bank of Greene County's Employee Stock Ownership Plan. At June 30, 2025, Greene County Bancorp, Inc.'s assets consisted primarily of its investment in the Bank of Greene County, cash and securities. At June 30, 2025, 7,808,300 shares of Greene County Bancorp, Inc.'s common stock, par value $0.10 per share, were held by the public, including executive officers and directors, 195,852 shares were held as Treasury stock and 9,218,528 shares were held by Greene County Bancorp, MHC, Greene County Bancorp, Inc.'s mutual holding company. Greene County Bancorp, MHC does not engage in any business activity other than to hold a majority of Greene County Bancorp, Inc.'s common stock and to invest any liquid assets of Greene County Bancorp, MHC.

Last close 35.61 2026-10-23
Market cap $606.3M 2026-03-31 share count
52-week range 21.38 - 37.25

Valuation FY2025 figures against the last close

P/S5.2x
P/E19.5x
P/FCF22.2x
EV/EBITDA—
Dividend yield0.7%
Diluted EPS1.83

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $117.7M$103.7M$84.6M$63.4M$58.3M$53.3M$46.3M$3.7M$33.5M$28.8M
Interest expense $60.1M$51.0M$61.2M$5.4M$5.2M$8.5M$6.3M$4.0M$3.1M$2.6M
Pre-tax income $34.7M$26.8M$35.8M$32.9M$27.6M$21.8M$21.0M$18.5M$14.9M$11.6M
Income tax $3.5M$2.0M$5.0M$4.9M$3.7M$3.0M$3.5M$4.1M$3.7M$2.7M
Net income $31.1M$24.8M$30.8M$28.0M$23.9M$18.7M$17.5M$14.4M$11.2M$9.0M
EPS, basic 1.831.451.811.642.812.202.051.691.321.06
EPS, diluted 1.831.451.811.642.812.202.051.691.311.06
Shares, diluted (wtd. avg.) 17.0M17.0M17.0M17.0M8.5M8.5M8.5M8.5M8.5M8.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $183.1M$190.4M$196.4M$69.0M$149.8M$40.5M$29.5M$26.5M$16.3M—
Property, plant and equipment $15.2M$15.6M$15.0M$14.4M$14.1M$13.7M$13.3M$13.3M$13.6M$14.2M
Total assets $3.04B$2.83B$2.70B$2.57B$2.20B$1.68B$1.27B$1.15B$982.3M$868.8M
Long-term debt ——$0$0$0—————
Total liabilities $2.80B$2.62B$2.52B$2.41B$2.05B$1.55B$1.16B$1.06B$898.8M$794.5M
Retained earnings $241.4M$214.7M$193.7M$165.1M$139.8M$118.3M$101.8M$86.2M$73.1M$63.8M
Total equity $238.8M$206.0M$183.3M$157.7M$149.6M$128.8M$112.4M$96.2M$83.5M$74.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $28.0M$24.9M$28.1M$35.4M$27.8M$26.7M$21.6M$20.7M$14.0M$13.6M
Capital expenditure $691.0K$1.5M$1.5M$1.1M$1.3M$1.1M$589.0K$324.0K$76.0K$290.0K
Investing cash flow -$210.2M-$129.2M$661.0K-$471.2M-$417.1M-$397.3M-$115.3M-$163.4M-$115.8M-$132.4M
Financing cash flow $174.9M$98.3M$98.7M$355.1M$498.7M$381.5M$96.7M$152.9M$102.1M$119.2M
Dividends paid $4.5M$3.2M$2.2M$2.6M$2.4M$2.2M$2.0M$1.5M$1.9M$1.9M
Buybacks ————$0$631.0K$0———

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-25-034176.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 28.8M Net income, FY2016: 9M Revenue, FY2017: 33.5M Net income, FY2017: 11.2M Revenue, FY2018: 3.7M Net income, FY2018: 14.4M Revenue, FY2019: 46.3M Net income, FY2019: 17.5M Revenue, FY2020: 53.3M Net income, FY2020: 18.7M Revenue, FY2021: 58.3M Net income, FY2021: 23.9M Revenue, FY2022: 63.4M Net income, FY2022: 28M Revenue, FY2023: 84.6M Net income, FY2023: 30.8M Revenue, FY2024: 103.7M Net income, FY2024: 24.8M Revenue, FY2025: 117.7M Net income, FY2025: 31.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $28.8M $33.5M $3.7M $46.3M $53.3M $58.3M $63.4M $84.6M $103.7M $117.7M
Gross profit — — — — — — — — — —
Net income $9.0M $11.2M $14.4M $17.5M $18.7M $23.9M $28.0M $30.8M $24.8M $31.1M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Other event Item 8.01
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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