GCBCNasdaqSavings Institutions, Not Federally CharteredFiscal year ends June 30
GREENE COUNTY BANCORP INC
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Sep 9, 2026
$33.89−0.59 (-1.71%)
Close on Oct 19, 2026
- Market cap
- $576.86M
- P/E (TTM)
- 14.1
- Dividend yield
- 1.18%
Margins
Share of revenue, fiscal years 2012 to 2026
Net margin
44.3%+6.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +22.9% | +8.1% | +8.1% | +11.1% | |
| Net income | +31.7% | +10.0% | +11.4% | +16.4% | |
| EPS, diluted | +31.7% | +10.0% | +11.4% | +16.4% | |
| Free cash flow | +52.3% | +16.1% | +9.4% | +12.1% | |
| Dividend per share | +11.1% | +12.6% | +10.8% | +8.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2021 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | 14.2% | 17.2% | 15.9% | |
| Return on assets | 1.2% | 1.2% | 1.3% | |
| Capex to revenue | 0.2% | 2.0% | 0.8% | |
| Diluted shares | 17M | 17M | 17M |
Where the cash went
Fiscal 2022 to 2026, five years combined
Greene County Bancorp generated $158.65M from operations and spent $22.15M on capital expenditure, dividends and share buybacks. 25% of that went back into the business.
Generated
$158.65M
Used
$22.15M
Capital expenditure$5.53M25%Dividends$16.59M75%Share buybacks$32.00K0%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin44.3%
×Asset turnover0.03×
×Equity multiplier12.05×
=Return on equity, FY202615.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2026 | 44.3% | 0.03× | 12.05× | 15.9% |
| FY2025 | 41.3% | 0.03× | 13.19× | 14.0% |
| FY2024 | 38.2% | 0.02× | 14.19× | 12.7% |
| FY2023 | 42.0% | 0.03× | 15.45× | 18.1% |
| FY2022 | 39.9% | 0.03× | 15.53× | 18.2% |
| FY2021 | 38.1% | 0.03× | 13.93× | 17.2% |
| FY2020 | 35.0% | 0.04× | 12.22× | 15.5% |
| FY2019 | 424.7% | 0.00× | 11.61× | 16.8% |
| FY2018 | 388.7% | 0.00× | 11.87× | 16.0% |
| FY2017 | 30.4% | 0.04× | 11.73× | 14.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
6of 6 tests passed in fiscal 2026. Some tests lack the figures they need.
- ProfitableNet income above zero$41.02M
- Cash generatingOperating cash flow above zero$42.30M
- Return on assets improvedROA up on the prior year1.1% → 1.3%
- Earnings backed by cashOperating cash flow above net income$42.30M vs $41.02M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise17M → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03