Greene County Bancorp, Inc. (GCBC) Income Statement
GCBC FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsGCBC revenue and net income
Where GCBC's revenue goes
FY2026Each bar shows an amount and its share of revenue. GCBC kept 28.1% of revenue as net income.
GCBC profit margins
GCBC growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.7% | +25.7% | +16.5% | +15.4% |
| Gross profit | +22.3% | +7.3% | +9.0% | +11.5% |
| Operating income | +35.1% | +9.3% | +11.1% | +14.9% |
| Net income | +31.7% | +10.0% | +11.4% | +16.4% |
| EPS (diluted) | +31.7% | −4.4% | −3.0% | +8.3% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
GCBC quarterly EPS vs estimates
Next report: October 20, 2026.
GCBC income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $145.8M | $132.9M | $117.6M | $73.4M | $75.6M | $68.0M | $62.0M | $54.7M | $46.4M | $39.9M |
| Cost of revenue | $55.2M | $58.9M | $53.5M | $22.3M | $8.7M | $9.2M | $12.4M | $8.0M | $5.5M | $5.0M |
| Gross profit | $90.5M | $74.0M | $64.1M | $73.4M | $66.9M | $58.8M | $49.6M | $46.7M | $40.9M | $34.9M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $28.7M | $30.8M | $29.5M | $29.0M | $26.1M | $24.4M | $21.5M | $19.5M | $16.9M | $15.0M |
| Total operating expenses | $43.7M | $39.4M | $37.3M | −$37.5M | $34.0M | $31.2M | $27.8M | $25.7M | $22.4M | $20.0M |
| Operating income | $46.8M | $34.7M | $26.8M | $35.8M | $32.9M | $27.6M | $21.8M | $21.0M | $18.5M | $14.9M |
| Interest income | $131.1M | $117.7M | $103.7M | $84.6M | $63.4M | $58.3M | $53.3M | $46.3M | $38.9M | $33.5M |
| Interest expense | $53.2M | $57.6M | $52.7M | $23.4M | $5.4M | $5.2M | $8.5M | $6.3M | $4.0M | $3.1M |
| Income before taxes | $46.8M | $34.7M | $26.8M | $35.8M | $32.9M | $27.6M | $21.8M | $21.0M | $18.5M | $14.9M |
| Income taxes | $5.8M | $3.5M | $2.0M | $5.0M | $4.9M | $3.7M | $3.0M | $3.5M | $4.1M | $3.7M |
| Net income | $41.0M | $31.1M | $24.8M | $30.8M | $28.0M | $23.9M | $18.7M | $17.5M | $14.4M | $11.2M |
| EBITDA | $48.0M | $35.7M | $27.7M | $36.7M | $33.7M | $28.4M | $22.5M | $21.7M | $19.1M | $15.6M |
| EPS (diluted) | $2.41 | $1.83 | $1.45 | $2.76 | $3.29 | $2.81 | $2.19 | $2.07 | $1.66 | $1.36 |
| Gross margin | 62.1% | 55.7% | 54.5% | 100.0% | 88.5% | 86.5% | 80.0% | 85.4% | 88.1% | 87.5% |
| Operating margin | 32.1% | 26.1% | 22.8% | 48.8% | 43.5% | 40.6% | 35.1% | 38.5% | 39.9% | 37.4% |
| Net margin | 28.1% | 23.4% | 21.1% | 42.0% | 37.0% | 35.2% | 30.2% | 32.0% | 31.0% | 28.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $37.3M | $36.3M | $36.7M | $35.6M | $34.5M | $33.6M | $33.3M | $31.5M | $31.0M | $29.5M | $29.1M | $28.0M |
| Cost of revenue | $12.4M | $12.8M | $14.6M | $15.4M | $13.2M | $14.7M | $15.8M | $15.3M | $14.3M | $14.1M | $13.4M | $11.7M |
| Gross profit | $24.8M | $23.4M | $22.0M | $20.2M | $21.4M | $19.0M | $17.5M | $16.2M | $16.7M | $15.4M | $15.7M | $16.3M |
| Sales, general & admin | $20.9M | $391,000 | $626,000 | $6.6M | $7.2M | $6.7M | $6.1M | $6.3M | $10.9M | $6.5M | $6.1M | $5.9M |
| Total operating expenses | $11.9M | $11.3M | $10.5M | $10.1M | $10.4M | $10.0M | $9.4M | $9.6M | $9.9M | $9.2M | $9.3M | $8.8M |
| Operating income | $12.9M | $12.2M | $11.6M | $10.2M | $11.0M | $8.9M | $8.1M | $6.7M | $6.8M | $6.2M | $6.4M | $7.4M |
| Interest income | $33.4M | $32.6M | $33.5M | $31.6M | $30.7M | $29.8M | $29.4M | $27.8M | $27.3M | $26.1M | $25.6M | $24.7M |
| Interest expense | $12.3M | $12.4M | $14.4M | $14.1M | $14.0M | $13.6M | $15.3M | $14.6M | $14.5M | $13.8M | $13.2M | $11.2M |
| Income before taxes | $12.9M | $12.2M | $11.6M | $10.2M | $11.0M | $8.9M | $8.1M | $6.7M | $6.8M | $6.2M | $6.4M | $7.4M |
| Income taxes | $1.6M | $1.6M | $1.3M | $1.3M | $1.6M | $887,000 | $589,000 | $428,000 | $98,000 | $322,000 | $663,000 | $967,000 |
| Net income | $11.3M | $10.5M | $10.3M | $8.9M | $9.3M | $8.1M | $7.5M | $6.3M | $6.7M | $5.9M | $5.7M | $6.5M |
| EBITDA | $13.2M | $12.4M | $11.8M | $10.5M | $11.2M | $9.2M | $8.3M | $7.0M | $7.1M | $6.4M | $6.6M | $7.7M |
| EPS (diluted) | $0.67 | $0.62 | $0.60 | $0.52 | $0.55 | $0.47 | $0.44 | $0.37 | $0.40 | $0.34 | $0.34 | $0.38 |
| Gross margin | 66.7% | 64.6% | 60.1% | 56.9% | 61.9% | 56.4% | 52.5% | 51.5% | 53.9% | 52.3% | 54.0% | 58.2% |
| Operating margin | 34.7% | 33.5% | 31.5% | 28.6% | 31.8% | 26.6% | 24.3% | 21.2% | 22.0% | 21.0% | 21.9% | 26.6% |
| Net margin | 30.4% | 29.0% | 28.1% | 24.9% | 27.0% | 23.9% | 22.5% | 19.9% | 21.7% | 19.9% | 19.6% | 23.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in GCBC's financial statements (latest annual report filed September 9, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
GCBC financial results
In fiscal year 2026 (ended June 30, 2026), Greene County Bancorp reported revenue of $145.8 million, up 9.7% from the year before. It had net income of $41.0 million (up 31.7%), a net profit margin of 28.1%. Diluted earnings per share came to $2.41. Over five years revenue grew at an average rate of 16.5% a year.
See the GCBC stock overview for the latest quote and news, or the GCBC chart for price history and technical indicators.
GCBC income statement FAQ
What is Greene County Bancorp's annual revenue?
Greene County Bancorp reported total revenue of $145.8 million for fiscal year 2026, which ended on June 30, 2026. That was up 9.7% from $132.9 million the previous year.
Is Greene County Bancorp profitable?
Yes. Greene County Bancorp reported net income of $41.0 million in fiscal 2026, a net profit margin of 28.1%; its operating margin was 32.1%.
What is Greene County Bancorp's gross margin?
Greene County Bancorp's gross margin was 62.1% in fiscal 2026: for every $100 of revenue, Greene County Bancorp kept $62 after the direct cost of its products and services.
How fast is Greene County Bancorp growing?
Revenue grew 16.5% a year on average over the last five fiscal years, from $68.0 million to $145.8 million.
What are Greene County Bancorp's earnings per share?
Greene County Bancorp earned $2.41 per diluted share in fiscal 2026, compared with $1.83 a year earlier.
When will Greene County Bancorp report its next earnings?
Greene County Bancorp is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 after the market closes.
When does Greene County Bancorp's fiscal year end?
Greene County Bancorp's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on September 9, 2026.