Saturday 17 October 2026 Export GCBC’s income statement to Excel — free account

Greene County Bancorp, Inc.

Greene County Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $145.8 million, up 9.67% from fiscal 2025. In the quarter to June 2026, revenue grew 7.97%, EPS grew 21.8%, free cash flow grew 40.5% and total debt rose 47.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

34.48 0.23 +0.67%

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Market cap: $583.1M
P/E: 14.3×
Fwd P/E: —
Dividend yield: 1.19%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.44

Total sells 0.29

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	5	—	—	—	3	1	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	1	—	—	—	—

Insider Ownership 58.18%

Capital & Financial Ratios $m

Market Cap 583.12

Revenue 145.79

Net Income 41.02

Free Cash Flow 41.56

Net Debt (138.74)

Current Ratio 0.65

Debt/Equity 0.02

P/E ratio 14.31

Fwd P/E —

P/S ratio 4.03

P/B ratio 2.11

Past 5Y EPS Growth 11.40%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 42.72%

10-year low 10-year high

P/S against its own 10 years 34.50%

10-year low 10-year high

P/B against its own 10 years 47.33%

10-year low 10-year high

Dividends

Payout Ratio 0.17

Annual Dividend Rate 0.41

Annual Dividend Yield 1.19%

	total	individual payouts
2026	0.31	0.10 0.10 0.11
2025	0.38	0.09 0.09 0.10 0.10
2024	0.34	0.08 0.08 0.09 0.09
2023	0.30	0.07 0.07 0.08 0.08
2022	0.27	0.07 0.07 0.07 0.07
2021	0.25	0.06 0.06 0.07 0.07
2020	0.23	0.06 0.06 0.06 0.06
2019	0.21	0.05 0.05 0.06 0.06
2018	0.20	0.05 0.05 0.05 0.05
2017	0.19	0.05 0.05 0.05 0.05
2016	0.23	0.09 0.05 0.05 0.05

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	2026
Cash	196	190	183	145
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,596	1,685	1,807	1,894

	2023	2024	2025	2026
Payables	2,437	2,389	2,640	2,713
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,515	2,586	2,798	2,899

Compound Annual Growth %

	10y	5y	3y
Sales	15.41%	16.48%	14.64%
Cash Flow	12.03%	8.79%	14.59%
Earnings	16.43%	11.37%	10.04%
Book Value	14.10%	13.18%	14.87%

Revenue $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	—	—	—
’26	36	37	36	37	146
’25	32	33	34	35	133
’24	28	29	29	31	118
’23	22	23	25	27	97
’22	19	19	18	20	76
’21	15	17	17	18	68

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	—	—	—
’26	7	6	11	18	42
’25	2	5	7	13	28
’24	6	2	6	11	25
’23	4	6	8	10	28
’22	7	6	8	14	35
’21	5	6	4	12	28

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	—	—	—
’26	7	6	11	18	42
’25	2	5	7	13	27
’24	6	2	5	11	23
’23	4	5	7	10	27
’22	7	6	7	14	34
’21	5	6	4	12	26

Fiscal quarters ending in the months shown.

EPS $

	Sep	Dec	Mar	Jun	Year
’26	—	—	—	—	—
’26	0.52	0.60	0.62	0.67	2.41
’25	0.37	0.44	0.47	0.55	1.83
’24	0.38	0.34	0.34	0.40	1.45
’23	0.53	0.43	0.48	0.38	1.81
’22	0.42	0.41	0.42	0.40	1.65
’21	0.29	0.37	0.31	0.45	1.41

Fiscal quarters ending in the months shown.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	10.25	14.43	13.02	7.51	11.54	17.50	17.50	24.10	20.00	21.38	Analyst estimates 2027–2029 Powerpack
	High	17.85	19.00	17.13	15.13	19.13	44.90	36.78	37.25	27.83	36.33
People
People	Employees	146	164	172	186	193	206	217	209	212	227
	Revenue/emp, $m	0.27	0.28	0.32	0.33	0.35	0.37	0.45	0.56	0.63	0.64
Income, $m
Income, $m	Revenue	40	46	55	62	68	76	97	118	133	146
	Gross margin, %	92.28	91.35	88.46	86.31	92.38	92.80	75.81	55.19	56.68	63.50
	EBT	15	19	21	22	28	33	36	27	35	47
	EBT margin, %	37.43	39.87	38.46	35.11	40.61	43.54	37.02	22.81	26.08	32.12
	Net income	11	14	17	19	24	28	31	25	31	41
	Depreciation	2	2	1	2	1	1	4	2	1	(1)
Per share, $
Per share, $	Revenue	2.35	2.73	3.20	3.63	3.99	4.44	5.68	6.91	7.81	8.56
	Earnings	0.66	0.85	1.03	1.10	1.41	1.65	1.81	1.45	1.83	2.41
	Cash flow	0.83	1.21	1.27	1.57	1.63	2.08	1.65	1.46	1.64	2.48
	Capex	0.00	(0.02)	(0.03)	(0.07)	(0.07)	(0.06)	(0.09)	(0.09)	(0.04)	(0.04)
	Free cash flow	0.82	1.20	1.23	1.50	1.56	2.01	1.56	1.37	1.60	2.44
	Book value	4.92	5.65	6.58	7.55	8.79	9.26	10.76	12.10	14.03	16.32
	Shares, m	17	17	17	17	17	17	17	17	17	17
Valuation, ×
Valuation, ×	P/E	20.61	20.71	14.20	10.18	10.01	13.77	16.42	22.16	12.14	13.94
	P/S	5.79	6.42	4.55	3.07	3.52	5.10	5.24	4.69	2.85	3.92
	P/B	2.77	3.10	2.21	1.48	1.60	2.45	2.77	2.67	1.58	2.06
	EV/Sales	5.95	6.24	4.26	2.53	1.63	5.83	3.74	3.36	1.50	2.97
	EV/FCF	16.99	14.23	11.06	6.12	4.17	12.84	13.62	16.87	7.31	10.42
Cash, $m
Cash, $m	Operating cash flow	14	21	22	27	28	35	28	25	28	42
	Capex	0	0	(1)	(1)	(1)	(1)	(2)	(2)	(1)	(1)
	Free cash flow	14	20	21	26	26	34	27	23	27	42
Balance, $m
Balance, $m	Working capital	(232)	(301)	(322)	(506)	(807)	(1,107)	(919)	(901)	(991)	(1,006)
	Total debt	23	18	14	7	21	51	51	34	4	6
	Net debt	6	(8)	(16)	(33)	(129)	(18)	(145)	(156)	(179)	(139)
	Shareholders’ equity	84	96	112	129	150	158	183	206	239	278
Returns, %
Returns, %	ROA	1.21	1.35	1.44	1.27	1.24	1.17	1.17	0.90	1.06	1.32
	ROIC	10.38	13.17	13.63	14.26	82.94	14.72	59.18	33.68	36.14	21.04
	ROE	14.18	16.03	16.77	15.53	17.20	18.21	18.06	12.73	14.00	15.88

Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FBIZ First Business Financial Services, Inc.	$586.5M	10.7×	9.4×	+7.37% (above 0%: growing)	+36.30% (above 0%: growing)	+181.48% (above 0%: growing)	63.47%	0.00%	Compare
KRNY Kearny Financial	$585.0M	15.7×	10.6×	+2.23% (above 0%: growing)	0.00%	+72.16% (above 0%: growing)	52.34%	0.00%	Compare
GCBC Greene County Bancorp, Inc.	$583.1M	14.3×	—	+7.97% (above 0%: growing)	+21.82% (above 0%: growing)	+40.48% (above 0%: growing)	67.04%	0.00%
BWB Bridgewater Bancshares, Inc.	$568.0M	10.9×	9.5×	+2.96% (above 0%: growing)	+23.68% (above 0%: growing)	+287.44% (above 0%: growing)	54.53%	0.00%	Compare
SFST Southern First Bancshares, Inc.	$566.3M	12.6×	11.5×	+10.76% (above 0%: growing)	+50.62% (above 0%: growing)	+66.02% (above 0%: growing)	58.21%	0.00%	Compare
UNTY Unity Bancorp, Inc.	$563.0M	9.6×	9.5×	+0.29% (above 0%: growing)	−12.20% (below 0%: shrinking)	−57.88% (below 0%: shrinking)	69.50%	0.00%	Compare
SUPV Grupo Supervielle S.A.	$559.2M	— (loss-making)	—	−1.93% (below 0%: shrinking)	−28.57% (below 0%: shrinking)	−129.06% (below 0%: shrinking)	64.28%	0.00%	Compare
CIVB Civista Bancshares, Inc.	$558.0M	9.9×	9.4×	+4.29% (above 0%: growing)	−2.82% (below 0%: shrinking)	+44.49% (above 0%: growing)	72.61%	0.00%	Compare
NRIM Northrim BanCorp Inc	$543.4M	7.6×	9.5×	+3.99% (above 0%: growing)	+29.58% (above 0%: growing)	+934.70% (above 0%: growing)	84.32%	0.00%	Compare
Median of peers	$564.7M	10.7×	9.5×	+3.48%	+11.84%	+69.09%	63.88%	0.00%

All 323 Banks Regional stocks →

Greene County Bancorp, Inc. (GCBC) key facts

Strength: Greene County Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $145.8 million, up 9.67% from fiscal 2025.
Strength: Net income was $41.0 million, or $2.41 per share (basic), a net margin of 28.1%.
Greene County Bancorp, Inc. (GCBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, GCBC traded at $34.48, a market capitalization of $583.1 million.
At that price the stock trades at 14.3× trailing-twelve-month earnings and 4.0× sales; its P/E is higher than 43% of its own readings over the past ten years.
Greene County Bancorp, Inc. pays an annual dividend of $0.41 per share, a yield of 1.19%, with a payout ratio of 17.0%.
Return on equity was 15.9% and debt-to-equity 0.02.
Its Piotroski F-score is 8 out of 9 for fiscal 2026.