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GCBC Financials GREENE COUNTY BANCORP INC

15 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 11.1% per year over the past 5 years.
  • Net income has grown in line with revenue (11.4% vs 11.1% per year).
  • Free cash flow has grown 9.4% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 9.9% of earnings and 9.7% of free cash flow.
  • The dividend has grown 10.8% per year over the past 5 years.
Revenue & net income
$0 $21M $41M 2012 2014 2016 2018 2020 2022 2024 2026
RevenueNet income
Margins (gross / operating / net)
0% 212% 425% 2012 2014 2016 2018 2020 2022 2024 2026
GrossOperatingNet
Return on equity & assets (ROE / ROA)
0% 9% 18% 2012 2014 2016 2018 2020 2022 2024 2026
ROEROA
Free cash flow (CFO − capex)
$0 $21M $42M 2012 2014 2016 2018 2020 2022 2024 2026
Free cash flow
Cash vs total debt
$0 $98M $196M 2012 2014 2016 2018 2020 2022 2024 2026
CashTotal debt
Cash flow: operating / investing / financing
-$471M $14M $499M $0 2012 2014 2016 2018 2020 2022 2024 2026
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2026 $41M 14.8% 1.3% $42M $145M
2025 $31M 13.0% 1.0% $27M $183M
2024 $25M 12.0% 0.9% $23M $190M
2023 $31M 16.8% 1.1% $27M $0 $196M
2022 $28M 17.7% 1.1% $34M $0 $69M
2021 $24M 16.0% 1.1% $26M $0 $150M
2020 $19M 14.5% 1.1% $26M $40M
2019 $4M $17M 0.0% 0.0% 15.6% 1.4% $21M $30M
2018 $4M $14M 0.0% 0.0% 15.0% 1.3% $20M $27M
2017 $11M 13.4% 1.1% $14M $16M
2016 $9M 12.1% 1.0% $13M
2015 $7M 10.7% 1.0%
2014 $7M 10.7% 1.0%
2013 $6M 11.4% 1.0% $10M
2012 $6M 11.1% 1.0% $10M

Valuation over time

How the market has priced GCBC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 12.5 25.0 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 0.6 1.2 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is GCBC growing its revenue and profit?

Over the past 5 years, GREENE COUNTY BANCORP INC's revenue has grown 11.1% per year, and net income grown 11.4% per year. These are computed facts, not advice.

How much debt does GCBC have?

As of FY2026, GREENE COUNTY BANCORP INC reported — of total debt against $145M of cash.

What is GCBC's profit margin?

In FY2026, gross margin was —, operating margin —, and net margin —.

What is GCBC's P/E ratio?

As of Sep '26, GREENE COUNTY BANCORP INC traded at a price-to-earnings ratio of about 14.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.