Greene County Bancorp (GCBC) Financial Statements & Analysis

Greene County Bancorp (GCBC) Income Statement

Greene County Bancorp reported revenue of $92.58M in fiscal 2026 (fiscal year ended Jun 30, 2026), up 26.1% from $73.43M a year earlier. Net income was $41.02M, up 31.7% year over year, a net margin of 44.3%. Gross margin was 97.8% and operating margin 50.6%. In the most recent quarter, Q1 fiscal 2027 (ended Sep 30, 2026), revenue was $25.23M, up 17.3% from the same quarter a year earlier.

Greene County Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Greene County Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Revenue & Gross Profit
Revenue	92.58	73.43	64.12	96.77	66.86	68.00	61.96	54.67	46.41	39.88
Cost of Revenue	55.25	58.90	53.45	22.34	8.72	9.16	12.39	7.97	5.54	4.99
Gross Profit	90.55	74.04	64.12	74.44	66.86	58.84	49.58	46.70	40.87	34.90
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	28.70	3.91	3.60	29.52	3.60	24.39	21.48	19.49	16.94	15.02
Operating Expenses	43.72	39.37	37.30	38.61	33.96	31.22	27.82	25.68	22.36	19.97
Operating Income	46.83	34.67	26.82	35.83	32.91	27.62	21.76	21.03	18.50	14.93
Other Income/Expense
Interest Income	131.13	117.71	103.66	84.63	63.44	58.33	53.31	46.31	38.93	33.46
Interest Expense	53.21	57.58	52.69	23.41	5.44	5.18	8.48	6.31	4.01	3.08
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	46.83	34.67	26.82	35.83	32.91	27.62	21.76	21.03	18.50	14.93
Income Tax Expense	5.81	3.53	2.05	5.04	4.92	3.67	3.03	3.54	4.10	3.74
Net Income	41.02	31.14	24.77	30.79	27.99	23.94	18.73	17.48	14.41	11.19
Net Income - Continuous Operations	41.02	31.14	24.77	30.79	27.99	23.94	18.73	17.48	14.41	11.19
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-	-
EBITDA	47.97	1.07	0.93	36.70	0.83	28.39	22.47	21.66	19.14	15.57
EBIT	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.13	1.07	0.93	0.87	0.83	0.78	0.71	0.64	0.64	0.64
Earnings Per Share
Basic EPS	2.00	2.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00
Diluted EPS	2.00	2.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	17.03	17.03	17.03	17.03	17.03	17.03	17.06	17.08	17.03	16.99
Diluted Shares Outstanding	17.03	17.03	17.03	17.03	17.03	17.03	17.06	17.08	17.07	17.03

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Greene County Bancorp Financial Statements

What was Greene County Bancorp's revenue in fiscal 2026?

Greene County Bancorp reported revenue of $92.58M in fiscal 2026 (fiscal year ended Jun 30, 2026). That was up 26.1% from $73.43M a year earlier.

Is Greene County Bancorp profitable?

Yes. Greene County Bancorp earned net income of $41.02M in fiscal 2026, a net margin of 44.3%. In fiscal 2025 it earned $31.14M.

What is Greene County Bancorp's operating margin?

Greene County Bancorp's operating income was $46.83M on revenue of $92.58M in fiscal 2026, an operating margin of 50.6%, compared with 47.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition