GCBC
Greene County Bancorp Inc
NASDAQ: GCBC · FINANCIAL SERVICES · BANKS - REGIONAL
$23.70
-0.42% today
Updated 2026-05-05
Market cap
$405.24M
P/E ratio
10.39
P/S ratio
4.69x
EPS (TTM)
$2.29
Dividend yield
1.66%
52W range
$21 – $26
Volume
0.0M
Greene County Bancorp Inc (GCBC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $17.94M | $20.93M | $24.11M | $28.80M | $27.70M | $29.02M | $29.19M | $29.05M | $29.07M | $31.40M | $34.77M | $39.88M | $46.41M | $54.67M | $61.96M | $68.00M | $75.58M | $73.36M | $117.57M | $132.94M |
| Revenue growth (YoY) | — | +16.7% | +15.2% | +19.4% | -3.8% | +4.8% | +0.6% | -0.5% | +0.0% | +8.0% | +10.7% | +14.7% | +16.4% | +17.8% | +13.3% | +9.7% | +11.2% | -2.9% | +60.3% | +13.1% |
| Cost of revenue | $4.34M | $6.72M | $7.92M | $8.77M | $6.64M | $6.14M | $5.37M | $4.56M | $3.89M | $3.86M | $4.25M | $4.99M | $5.54M | $7.97M | $12.39M | $9.16M | $8.72M | $22.34M | $53.45M | $58.90M |
| Gross profit | $13.60M | $14.21M | $16.19M | $20.03M | $21.06M | $22.88M | $23.82M | $24.49M | $25.18M | $27.54M | $30.51M | $34.90M | $40.87M | $46.70M | $49.58M | $58.84M | $66.86M | $73.36M | $64.12M | $74.04M |
| Gross margin | 75.8% | 67.9% | 67.1% | 69.5% | 76.0% | 78.8% | 81.6% | 84.3% | 86.6% | 87.7% | 87.8% | 87.5% | 88.1% | 85.4% | 80.0% | 86.5% | 88.5% | 100.0% | 54.5% | 55.7% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | — | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $5.96M | $5.89M | $6.61M | $8.45M | $7.88M | $8.97M | $10.58M | $10.88M | $11.50M | $12.49M | $13.26M | $14.63M | $16.58M | $19.02M | $21.00M | $23.89M | $25.61M | $29.02M | $29.09M | $30.35M |
| Operating income | $3.07M | $3.17M | $3.88M | $6.25M | $7.45M | $8.02M | $8.51M | $9.04M | $9.06M | $9.51M | $11.64M | $14.93M | $18.50M | $21.03M | $21.76M | $27.61M | $32.91M | $35.83M | $26.82M | $34.67M |
| Operating margin | 17.1% | 15.1% | 16.1% | 21.7% | 26.9% | 27.6% | 29.2% | 31.1% | 31.2% | 30.3% | 33.5% | 37.4% | 39.9% | 38.5% | 35.1% | 40.6% | 43.5% | 48.8% | 22.8% | 26.1% |
| EBITDA | $5.47M | $4.82M | $5.04M | $7.11M | $8.37M | $8.76M | $9.35M | $9.78M | $9.68M | $10.05M | $12.27M | $15.56M | $19.14M | $21.66M | $22.47M | $28.39M | $33.73M | $36.70M | $27.75M | $35.73M |
| EBITDA margin | 30.5% | 23.0% | 20.9% | 24.7% | 30.2% | 30.2% | 32.0% | 33.7% | 33.3% | 32.0% | 35.3% | 39.0% | 41.2% | 39.6% | 36.3% | 41.8% | 44.6% | 50.0% | 23.6% | 26.9% |
| EBIT | $3.07M | $3.17M | $3.88M | $6.25M | $7.45M | $8.02M | $8.51M | $9.04M | $9.06M | $9.51M | $11.64M | $14.93M | $18.50M | $21.03M | $21.76M | $27.61M | $32.91M | $35.83M | $26.82M | $34.67M |
| Interest expense | $4.14M | $6.44M | $7.34M | $6.75M | $5.37M | $4.51M | $3.58M | $2.82M | $2.39M | $2.30M | $2.58M | $3.08M | $4.01M | $6.31M | $8.48M | $5.18M | $5.44M | $23.41M | $52.69M | $57.58M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $2.24M | $2.26M | $2.72M | $4.08M | $4.88M | $5.29M | $5.83M | $6.37M | $6.53M | $7.19M | $8.96M | $11.19M | $14.41M | $17.48M | $18.73M | $23.94M | $27.99M | $30.79M | $24.77M | $31.14M |
| Net income growth (YoY) | — | +0.7% | +20.4% | +50.2% | +19.6% | +8.3% | +10.2% | +9.3% | +2.5% | +10.1% | +24.7% | +24.8% | +28.8% | +21.3% | +7.1% | +27.8% | +16.9% | +10.0% | -19.5% | +25.7% |
| Profit margin | 12.5% | 10.8% | 11.3% | 14.2% | 17.6% | 18.2% | 20.0% | 21.9% | 22.5% | 22.9% | 25.8% | 28.0% | 31.0% | 32.0% | 30.2% | 35.2% | 37.0% | 42.0% | 21.1% | 23.4% |