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GREENE COUNTY BANCORP INC

GCBC Clue Score72
United States Fiscal year ends June CIK 0001070524
$33.65 -2.01% Close, 9 Oct 2026
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Price $33.65 −3.55% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2017Net income11.2EPS, diluted1.31Fiscal year 2018Revenue3.7Net income14.4 +28.8%EPS, diluted1.69Fiscal year 2019Revenue4.1 +11.1%Net income17.5 +21.3%EPS, diluted2.05Fiscal year 2020Net income18.7 +7.1%EPS, diluted2.20Fiscal year 2021Net income23.9 +27.8%EPS, diluted2.81Fiscal year 2022Net income28.0 +16.9%EPS, diluted1.64Fiscal year 2023Net income30.8 +10.0%EPS, diluted1.81Fiscal year 2024Net income24.8 −19.5%EPS, diluted1.45Fiscal year 2025Net income31.1 +25.7%EPS, diluted1.83Fiscal year 2026Net income41.0 +31.7%EPS, diluted2.41
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue n/a 3.7 4.1 n/a n/a n/a n/a n/a n/a n/a
Growth +11.1%
Net income 11.2 14.4 17.5 18.7 23.9 28.0 30.8 24.8 31.1 41.0
Growth +28.8% +21.3% +7.1% +27.8% +16.9% +10.0% −19.5% +25.7% +31.7%
EPS, diluted 1.31 1.69 2.05 2.20 2.81 1.64 1.81 1.45 1.83 2.41

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2017Fiscal year 2018Net margin388.7%Free cash flow margin548.9%Fiscal year 2019Net margin424.7%Free cash flow margin511.0%Fiscal year 2020Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025Fiscal year 2026
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Net margin n/a 388.7% 424.7% n/a n/a n/a n/a n/a n/a n/a
Free cash flow margin n/a 548.9% 511.0% n/a n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow14.0Capital expenditure−0.1Free cash flow14.0Dividends paid−1.9Fiscal year 2018Operating cash flow20.7Capital expenditure−0.3Free cash flow20.3 +45.6%Dividends paid−1.5Fiscal year 2019Operating cash flow21.6Capital expenditure−0.6Free cash flow21.0 +3.4%Buybacks0.0Dividends paid−2.0Fiscal year 2020Operating cash flow26.7Capital expenditure−1.1Free cash flow25.6 +21.7%Buybacks−0.6Dividends paid−2.2Fiscal year 2021Operating cash flow27.8Capital expenditure−1.3Free cash flow26.5 +3.5%Buybacks0.0Dividends paid−2.4Fiscal year 2022Operating cash flow35.4Capital expenditure−1.1Free cash flow34.3 +29.5%Dividends paid−2.6Fiscal year 2023Operating cash flow28.1Capital expenditure−1.5Free cash flow26.6 −22.5%Dividends paid−2.2Fiscal year 2024Operating cash flow24.9Capital expenditure−1.5Free cash flow23.4 −11.9%Dividends paid−3.2Fiscal year 2025Operating cash flow28.0Capital expenditure−0.7Free cash flow27.3 +16.6%Buybacks0.0Dividends paid−4.5Fiscal year 2026Operating cash flow42.3Capital expenditure−0.7Free cash flow41.6 +52.3%Buybacks−0.0Dividends paid−4.0
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow 14.0 20.7 21.6 26.7 27.8 35.4 28.1 24.9 28.0 42.3
Capital expenditure −0.1 −0.3 −0.6 −1.1 −1.3 −1.1 −1.5 −1.5 −0.7 −0.7
Free cash flow 14.0 20.3 21.0 25.6 26.5 34.3 26.6 23.4 27.3 41.6
Growth +45.6% +3.4% +21.7% +3.5% +29.5% −22.5% −11.9% +16.6% +52.3%
Buybacks n/a n/a 0.0 −0.6 0.0 n/a n/a n/a 0.0 −0.0
Dividends paid −1.9 −1.5 −2.0 −2.2 −2.4 −2.6 −2.2 −3.2 −4.5 −4.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash16.3Shareholders’ equity83.5Fiscal year 2018Cash26.5Shareholders’ equity96.2Fiscal year 2019Cash29.5Shareholders’ equity112.4Fiscal year 2020Cash40.5Shareholders’ equity128.8Fiscal year 2021Cash149.8Total debt0.0Net cash (debt)149.8Shareholders’ equity149.6Debt to equity0.00Fiscal year 2022Cash69.0Total debt0.0Net cash (debt)69.0Shareholders’ equity157.7Debt to equity0.00Fiscal year 2023Cash196.4Total debt0.0Net cash (debt)196.4Shareholders’ equity183.3Debt to equity0.00Fiscal year 2024Cash190.4Shareholders’ equity206.0Fiscal year 2025Cash183.1Shareholders’ equity238.8Fiscal year 2026Cash144.9Shareholders’ equity277.8
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash 16.3 26.5 29.5 40.5 149.8 69.0 196.4 190.4 183.1 144.9
Total debt n/a n/a n/a n/a 0.0 0.0 0.0 n/a n/a n/a
Net cash (debt) n/a n/a n/a n/a 149.8 69.0 196.4 n/a n/a n/a
Shareholders’ equity 83.5 96.2 112.4 128.8 149.6 157.7 183.3 206.0 238.8 277.8
Debt to equity n/a n/a n/a n/a 0.00 0.00 0.00 n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2026 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending June, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 30 Jun 2017 FY2018 30 Jun 2018 FY2019 30 Jun 2019 FY2020 30 Jun 2020 FY2021 30 Jun 2021 FY2022 30 Jun 2022 FY2023 30 Jun 2023 FY2024 30 Jun 2024 FY2025 30 Jun 2025 FY2026 30 Jun 2026
Margins
n/a 499.1% 510.7% n/a n/a n/a n/a n/a n/a n/a
n/a 388.7% 424.7% n/a n/a n/a n/a n/a n/a n/a
n/a 548.9% 511.0% n/a n/a n/a n/a n/a n/a n/a
Spending
n/a 8.7% 14.3% n/a n/a n/a n/a n/a n/a n/a
25.1% 22.1% 16.8% 13.9% 13.3% 14.9% 14.1% 7.6% 10.2% 12.4%
Returns
13.4% 15.0% 15.6% 14.5% 16.0% 17.7% 16.8% 12.0% 13.0% 14.8%
1.1% 1.3% 1.4% 1.1% 1.1% 1.1% 1.1% 0.9% 1.0% 1.3%
Balance and payout
n/a n/a n/a n/a 0.00 0.00 0.00 n/a n/a n/a
91.5% 91.6% 91.1% 92.3% 93.2% 93.9% 93.2% 92.7% 92.1% 91.3%
17.2% 10.6% 11.7% 12.0% 10.1% 9.4% 7.1% 13.1% 14.4% 9.9%
13.7% 7.5% 9.7% 11.2% 9.2% 7.7% 8.2% 13.8% 16.4% 9.8%