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Greene County Bancorp GCBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

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$119.0M+55.8%
Total equity$277.8M+16.3%
Total assets$3.2B+4.7%

Cash flow

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Operating cash flow$10.7M+46.1%
CapEx$13.0K-75.0%
Free cash flow$10.7M+46.9%

Valuation

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Market cap$588.57M+48.4%
Enterprise value$562.67M+94.0%
P/E14.4×+1.6×
P/S6.4×+1.1×

Profitability

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Net margin44.3%+3.0pp
FCF margin41.3%+5.9pp

Returns & leverage

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

Where this comes from

Reported directly by Greene County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Greene County Bancorp’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 10:10 AM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001140361-26-019837
Line itemFor the three months ended March 31, 2026For the three months ended March 31, 2025For the nine months ended March 31, 2026For the nine months ended March 31, 2025
Total interest expense12,39213,56840,93343,551
Net interest income20,18616,21156,76543,415
Provision for credit losses4511,0841,9072,196
Net interest income after provision for credit losses19,73515,12754,85841,219
Noninterest income:
Service charges on deposit accounts1,1851,1913,7893,690
Debit card fees1,1781,1463,3813,310
Investment services298297846797

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FAQ

What is Greene County Bancorp's net interest income (after provisions)?
Greene County Bancorp (GCBC) reported net interest income (after provisions) of $19.74M in Q1 2026.
How has Greene County Bancorp's net interest income (after provisions) changed year-over-year?
Greene County Bancorp's net interest income (after provisions) increased by 30.5% year-over-year, from $15.13M to $19.74M.
What is the long-term trend for Greene County Bancorp's net interest income (after provisions)?
Over 3 years (2022 to 2025), Greene County Bancorp's net interest income (after provisions) has grown at a 2.4% compound annual growth rate (CAGR), from $54.73M to $58.81M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for loan and lease losses, which accounts for expected credit deterioration in the loan portfolio. This metric provides a more accurate view of the bank's bottom-line interest-based earnings after accounting for credit risk. It helps investors evaluate the quality of the bank's lending activities.

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