MARKETS / NASDAQ / Financials / Banks / GCBC

NASDAQ · SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED · MID CAP

Greene County Bancorp Inc. GCBC

16 fiscal years on record · USD · FY2025 reported · SEC filings only

3 YEARS OF DIVIDEND GROWTH

Net income

$41.0M

▲ 31.7% YoY

Free cash flow

$41.6M

▲ 52.3% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Greene County Bancorp, MHC owns 54.1% of the issued and outstanding common stock of Greene County Bancorp, Inc. Greene County Bancorp, Inc. (the “Company”) operates as the federally chartered holding company of the Bank of Greene County, a federally chartered savings bank. Greene County Bancorp, Inc.’s principal business is overseeing and directing the business of the Bank of Greene County and monitoring its cash position. The Bank of Greene County (the “Bank”) was organized in 1889 as The Building and Loan Association of Catskill, a New York-chartered savings and loan association. In November 2006, the Bank of Greene County converted its charter to a federal savings bank charter.

Written from the business description in Greene County Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 5 September 2025. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 16-year series below

Compound annual growth

Net income

+10.0%

+11.4%

+16.4%

+14.6%

EPS, diluted

+10.0%

Dividend / share

+12.6%

Returned to shareholders

+23.0%

+10.9%

+8.2%

+6.2%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 15.9%

5%10%15%

201020172025

Three returns, three denominators.

Return on equity15.9%

Return on assets1.3%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDA·

Each USD of equity produced 16 cents of profit this year.

Cash & shareholders

USD 4.1M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 41.6

15M30M

201020172025

Net buybacks $M Dividends $M

FY2025 · Dividends 4.0 · Net buybacks 0.0

2M4MDividendsNet buybacks

201020122014201620182020202220242025

Dividends paidUSD 4.0M

Net buybacksUSD 32,000.00

Share of profit9.9%

Consecutive raises3 years (since the 2022 share-count change)

USD 4.0M in dividends and USD 32,000.00 in buybacks — 10% of the year's profit went back to shareholders.

Total assetsUSD 3.2B

EquityUSD 277.8M

CashUSD 144.9M

DepositsUSD 2.7B

Equity funds 9% of total assets.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

GCBC, 16-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	2.41	1.83	1.45	1.81	1.64	2.81	2.20	2.05	1.69	1.31	1.06	0.85	1.54	1.51	1.39	1.27
Dividend / sh $	0.40	0.36	0.32	0.28	0.26	0.48	0.44	0.40	0.39	0.38	0.37	0.36	0.70	0.70	0.70	0.90
Payout %	10	14	13	7	9	10	12	12	11	17	21	25	20	33	22	31
ROE %	15.9	14.0	12.7	18.1	18.2	17.2	15.5	16.8	16.0	14.2	12.7	11.2	11.1	11.7	11.6	11.0
Shares out B	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivitySavings Institutions, Not Federally Chartered

Listed onNASDAQ

Incorporated inDelaware

Fiscal year endsJune 30

SEC categorysmaller reporting company

Data on record since2010