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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?

GREENE COUNTY BANCORP INC's P/E (TTM) is 15.20 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the GCBC stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 15.2× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.