Greene County Bancorp (GCBC) Cash Flow: Operating & Free Cash Flow

Greene County Bancorp (GCBC) Cash Flow Statement

In fiscal 2026 (fiscal year ended Jun 30, 2026), Greene County Bancorp generated $42.30M of operating cash flow and spent $741.00K on capital expenditures. That left free cash flow of $41.56M, up 52.3% from $27.29M a year earlier, or 44.9% of revenue. It returned $4.08M to shareholders through $4.05M in dividends and $32.00K in share buybacks.

Greene County Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Greene County Bancorp, Inc. (GCBC) - 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
Operating Activities
Net Income	0.00	31.14	24.77	30.79	27.99	23.94	18.73	17.48	14.41	11.19
Depreciation & Amortization	0.00	1.07	0.93	0.87	0.83	0.78	0.71	0.64	0.64	0.64
Deferred Income Tax	0.00	-0.71	-0.07	-0.15	-0.68	-2.03	-1.03	-0.97	0.06	-0.26
Change in Working Capital	3.79	-3.15	-0.09	-4.06	4.99	1.75	2.70	2.01	2.98	-0.73
Change in Accounts Receivable	-0.80	-2.11	-2.02	-3.33	-1.14	0.43	-2.35	-0.80	-1.02	-0.42
Change in Accounts Payable	0.00	0.00	0.32	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Change in Other Working Capital	4.59	-1.04	-0.11	-0.73	0.18	-1.54	5.05	2.81	4.00	-0.31
Other Operating Activities	38.51	-0.37	-1.46	0.67	-1.73	-2.68	5.61	2.46	2.60	3.22
Net Cash from Operating Activities	42.30	27.98	24.91	28.11	35.35	27.75	26.72	21.63	20.67	14.05
Investing Activities
Capital Expenditures	-0.74	-0.69	-1.51	-1.54	-1.05	-1.25	-1.12	-0.59	-0.32	-0.08
Purchases of Investments	0.00	-444.16	-329.59	-211.96	-669.21	-626.64	-391.49	-191.32	-183.29	-115.30
Sales/Maturities of Investments	0.00	360.16	297.80	367.28	359.70	344.05	208.08	160.71	101.45	103.22
Other Investing Activities	-176.93	-125.47	0.36	-153.12	-11.93	-39.70	-212.79	-84.13	-81.21	-103.61
Net Cash from Investing Activities	-176.93	-210.17	-129.24	0.66	-471.18	-417.14	-397.32	-115.34	-163.38	-115.76
Financing Activities
Debt Repayment	26.98	-71.27	149.46	-123.70	-3.00	-7.60	3.88	3.45	-11.40	-16.85
Common Stock Repurchased	-0.03	0.00	0.00	0.00	0.00	0.00	-0.63	0.00	0.00	0.00
Dividends Paid	-4.05	-4.48	-3.24	-2.19	-2.63	-2.43	-2.24	-2.04	-1.53	-1.92
Other Financing Activities	73.56	250.61	-47.94	224.56	207.50	504.03	380.51	95.34	165.86	120.87
Net Cash from Financing Activities	96.46	174.87	98.28	98.67	355.06	498.70	381.52	96.75	152.93	102.10
Summary
Net Change in Cash	-38.17	-7.32	-6.05	127.44	-80.77	109.31	10.93	3.03	10.23	0.38
Cash at Beginning of Period	183.08	190.40	196.45	69.01	149.78	40.46	29.54	26.50	16.28	15.90
Cash at End of Period	144.91	183.08	190.40	196.45	69.01	149.78	40.46	29.54	26.50	16.28
Free Cash Flow	41.56	27.29	23.40	26.57	34.30	26.50	25.61	21.04	20.35	13.97
Supplemental Disclosures
Interest Paid	-	57.86	52.07	23.07	5.18	4.96	-	-	-	-
Income Taxes Paid	-	1.17	1.80	6.31	5.60	6.30	-	-	-	-

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 Cash Flow

What is Greene County Bancorp's free cash flow?

Greene County Bancorp generated free cash flow of $41.56M in fiscal 2026 (fiscal year ended Jun 30, 2026), operating cash flow of $42.30M minus $741.00K of capital expenditures. That was up 52.3% from $27.29M a year earlier. Free cash flow equaled 44.9% of revenue.

How much does Greene County Bancorp spend on capital expenditures?

Greene County Bancorp spent $741.00K on capital expenditures in fiscal 2026, compared with $691.00K a year earlier. That equals 1.8% of operating cash flow.

Does Greene County Bancorp pay dividends or buy back shares?

Yes. In fiscal 2026 Greene County Bancorp returned $4.05M in dividends and $32.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition