Greene County Bancorp Inc (GCBC)

Name: Greene County Bancorp Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$36.7M

Net Income

$10.3M

Operating Margin

31.5%

Free Cash Flow

$27.3M

Debt / Assets

92.1%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Greene County Bancorp Inc (GCBC).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	36,653,000	35,609,000	33,635,000	17,943,000
Cost of Revenue	14,637,000	15,360,000	33,635,000	0
Gross Profit	22,016,000	20,249,000	0	17,943,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	626,000	6,623,000	0	6,127,000
Operating Expenses	10,459,000	10,061,000	0	17,943,000
Operating Income	11,557,000	10,188,000	8,941,000	8,079,000
Interest Expense	14,438,000	14,103,000	0	15,350,000
Income Before Tax	11,557,000	10,188,000	8,941,000	8,079,000
Income Tax Expense	1,265,000	1,318,000	887,000	589,000
Net Income	10,292,000	8,870,000	8,054,000	7,490,000
Per Share
EPS	0.60	0.52	0.47	0.44
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Greene County Bancorp Inc (GCBC).
Income Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	132,938,000	117,572,000	84,625,000	70,142,000	62,812,000
Cost of Revenue	58,900,000	53,451,000	22,336,000	0	0
Gross Profit	74,038,000	64,121,000	73,364,000	70,142,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	30,836,000	29,533,000	29,523,000	26,104,000	24,385,000
Operating Expenses	39,372,000	37,302,000	38,608,000	-31,798,000	0
Operating Income	34,666,000	26,819,000	35,827,000	38,344,000	0
Interest Expense	57,584,000	52,685,000	23,407,000	5,439,000	5,183,000
Income Before Tax	34,666,000	26,819,000	35,827,000	32,905,000	27,615,000
Income Tax Expense	3,528,000	2,050,000	5,042,000	4,919,000	3,673,000
Net Income	31,138,000	24,769,000	30,785,000	27,986,000	23,942,000
Per Share
EPS	1.83	1.45	1.81	1.65	2.81
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Greene County Bancorp Inc (GCBC).
Balance Sheet (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Assets
Cash and Cash Equivalents	184,503,000	193,226,000	201,021,000	73,116,000
Short Term Investments	319,841,000	350,001,000	281,133,000	408,062,000
Net Receivables	16,381,000	14,269,000	12,249,000	8,917,000
Inventory	0	0	-213,572,000	-82,101,000
Total Current Assets	520,725,000	557,496,000	494,403,000	490,095,000
Property Plant Equipment	15,232,000	15,606,000	15,028,000	14,362,000
Goodwill and Intangibles	0	0	0	0
Total Assets	3,040,609,000	2,825,788,000	2,698,283,000	2,571,740,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	74,000,000	115,300,000	455,000	123,700,000
Total Current Liabilities	2,713,835,000	2,504,522,000	2,127,431,000	123,700,000
Long Term Debt	54,056,000	83,837,000	49,495,000	49,310,000
Total Liabilities	2,801,772,000	2,619,788,000	49,495,000	2,414,026,000
Shareholders Equity
Retained Earnings	241,403,000	214,740,000	193,721,000	165,127,000
Total Shareholders Equity	238,837,000	206,000,000	183,283,000	157,714,000

Balance sheet annual history for Greene County Bancorp Inc (GCBC).
Balance Sheet (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets
Cash and Cash Equivalents	184,503,000	193,226,000	201,021,000	73,116,000	154,328,000
Short Term Investments	319,841,000	350,001,000	281,133,000	408,062,000	390,890,000
Net Receivables	16,381,000	14,269,000	12,249,000	8,917,000	7,781,000
Inventory	0	0	-213,572,000	-82,101,000	0
Total Current Assets	520,725,000	557,496,000	494,403,000	490,095,000	0
Property Plant Equipment	15,232,000	15,606,000	15,028,000	14,362,000	14,137,000
Goodwill and Intangibles	0	0	0	0	0
Total Assets	3,040,609,000	2,825,788,000	2,698,283,000	2,571,740,000	2,200,335,000
Liabilities
Account Payables	0	0	0	0	0
Short Term Debt	74,000,000	115,300,000	455,000	123,700,000	3,000,000
Total Current Liabilities	2,713,835,000	2,504,522,000	2,127,431,000	123,700,000	0
Long Term Debt	54,056,000	83,837,000	49,495,000	49,310,000	19,644,000
Total Liabilities	2,801,772,000	2,619,788,000	49,495,000	2,414,026,000	2,050,751,000
Shareholders Equity
Retained Earnings	241,403,000	214,740,000	193,721,000	165,127,000	139,775,000
Total Shareholders Equity	238,837,000	206,000,000	183,283,000	157,714,000	149,584,000

Cash flow quarterly history for Greene County Bancorp Inc (GCBC).
Cash Flow Statement (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Operating Activities
Net Income	31,138,000	24,769,000	30,785,000	27,986,000
Depreciation & Amortization	1,065,000	928,000	871,000	826,000
Stock Based Compensation	0	0	4,603,000	4,441,000
Change in Working Capital	-3,149,000	-91,000	-4,064,000	4,989,000
Operating Cash Flow	27,978,000	24,908,000	28,109,000	35,354,000
Investing Activities
Capital Expenditure	-691,000	-1,506,000	-1,537,000	-1,051,000
Investments	-691,000	-1,506,000	-1,537,000	-1,051,000
Investing Cash Flow	-210,166,000	-129,235,000	661,000	-471,183,000
Financing Activities
Debt Repayment	-71,267,000	149,456,000	-123,700,000	-3,000,000
Common Stock Issued/Repurchased	0	0	0	0
Dividends Paid	-4,475,000	-3,240,000	-2,191,000	-2,634,000
Financing Cash Flow	174,871,000	98,277,000	98,666,000	355,063,000
Summary
Free Cash Flow	27,287,000	23,402,000	26,572,000	34,303,000
Net Change in Cash	-7,317,000	-6,050,000	127,436,000	-80,766,000

Cash flow annual history for Greene County Bancorp Inc (GCBC).
Cash Flow Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Activities
Net Income	31,138,000	24,769,000	30,785,000	27,986,000	23,942,000
Depreciation & Amortization	1,065,000	928,000	871,000	826,000	775,000
Stock Based Compensation	0	0	4,603,000	4,441,000	0
Change in Working Capital	-3,149,000	-91,000	-4,064,000	4,989,000	1,745,000
Operating Cash Flow	27,978,000	24,908,000	28,109,000	35,354,000	27,753,000
Investing Activities
Capital Expenditure	-691,000	-1,506,000	-1,537,000	-1,051,000	-1,254,000
Investments	-691,000	-1,506,000	-1,537,000	-1,051,000	-1,254,000
Investing Cash Flow	-210,166,000	-129,235,000	661,000	-471,183,000	-417,137,000
Financing Activities
Debt Repayment	-71,267,000	149,456,000	-123,700,000	-3,000,000	-7,600,000
Common Stock Issued/Repurchased	0	0	0	0	0
Dividends Paid	-4,475,000	-3,240,000	-2,191,000	-2,634,000	-2,430,000
Financing Cash Flow	174,871,000	98,277,000	98,666,000	355,063,000	498,696,000
Summary
Free Cash Flow	27,287,000	23,402,000	26,572,000	34,303,000	26,499,000
Net Change in Cash	-7,317,000	-6,050,000	127,436,000	-80,766,000	109,312,000