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Greene County Bancorp, Inc. (GCBC)
Financial Services · Banks - Regional · NasdaqCM
Greene County Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $3.71M | $4.12M | $0 | $0 | $70.14M | $73.36M | $64.89M | $75.35M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $8.96M | $11.19M | $14.41M | $17.48M | $18.73M | $23.94M | $27.99M | $30.79M | $24.77M | $31.14M |
| Net margin | — | — | 388.7% | 424.7% | — | — | 39.9% | 42.0% | 38.2% | 41.3% |
Source: Greene County Bancorp, Inc. SEC filings (10-K). 15 years of history available in the interactive view.
What growth is priced into GCBC stock?
At today's market cap of $498.68M, Greene County Bancorp, Inc. is priced for free-cash-flow growth of about 6.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $27.29M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 1.3%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 15 years of Greene County Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Greene County Bancorp, Inc. financial history by metric
About Greene County Bancorp, Inc.
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.
Greene County Bancorp, Inc. — frequently asked questions
What is Greene County Bancorp, Inc.'s revenue?
Greene County Bancorp, Inc. (GCBC) reported revenue of $75.35M for fiscal year 2025, up 16.1% from the prior year, according to its SEC filings.
Is Greene County Bancorp, Inc. profitable?
Yes. GCBC earned net income of $31.14M in fiscal 2025, a net margin of 41.3%.
What is GCBC's P/E ratio?
Greene County Bancorp, Inc. trades at a price-to-earnings ratio of about 12.8 based on the latest data in our nightly-refreshed cache.
How much debt does Greene County Bancorp, Inc. have?
As of fiscal year 2025, GCBC carried roughly $128.06M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Greene County Bancorp, Inc.'s market cap?
Greene County Bancorp, Inc. (GCBC) has a market capitalization of about $498.68M, based on the latest data in our nightly-refreshed cache.
When does Greene County Bancorp, Inc.'s fiscal year end?
GCBC's fiscal year ends in June. Its most recent annual filing covers the fiscal year ending 2025-06-30.
What growth is priced into GCBC stock?
At today's market cap of $498.68M, Greene County Bancorp, Inc. is priced for free-cash-flow growth of about 6.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $27.29M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 1.3%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Greene County Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 15 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.