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Greene County Bancorp, Inc. GCBC Q4 2026 Annual earnings

Reported July 23, 2026 · Before market open

Revenue$37.3M
EPS$0.67
“Fiscal 2026 was a truly exceptional year for Greene County Bancorp, Inc. We achieved record net income of $41.0 million, record quarterly earnings of $11.3 million, and reached all-time highs in both assets and net loans. These accomplishments reflect the strength of our relationship-based community banking model, the loyalty of our customers, and the dedication of our employees throughout the organization.
Donald Gibson

Next report

Oct 22, 2026 (In 2 weeks)

Financials

Q4 2026

Income statement

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Revenue$25.0M+22.0%
Net income$11.3M+21.5%
EPS (diluted)$0.67+21.8%

Balance sheet

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Cash & equivalents$144.9M-20.9%
Total debt$121.3M+58.8%
Total equity$277.8M+16.3%
Total assets$3.2B+4.7%

Cash flow

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Operating cash flow$18.3M+38.1%
CapEx$117.0K-61.6%
Free cash flow$18.1M+40.5%

Valuation & ratios

Valuation

as of 10/02/26
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Market cap$577.16M+55.1%
Enterprise value$553.54M+152%
P/E14.1×+3.0×
P/S6.2×+1.6×

Profitability

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Net margin44.3%+3.0pp
FCF margin44.9%+8.7pp

Returns & leverage

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Return on equity15.9%+1.9pp
Debt / equity0.4×+0.1×

FAQ

When did Greene County Bancorp, Inc. report Q4 2026 earnings?
Greene County Bancorp, Inc. (GCBC) reported Q4 2026 earnings on July 23, 2026 before market open.
What were Greene County Bancorp, Inc.'s Q4 2026 revenue and EPS?
Greene County Bancorp, Inc. reported revenue of $37.3M and eps of $0.67 for Q4 2026.
How did Greene County Bancorp, Inc.'s Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $34.5M a year earlier and eps grew 22.3% from $0.55.
Where can I find Greene County Bancorp, Inc.'s Q4 2026 SEC filings?
You can read the 8-K earnings release (0001140361-26-029241) and the 10-K periodic report (0001140361-26-035998) directly on SEC EDGAR. The filing index links above go to sec.gov.