Greene County Bancorp GCBC Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Trustco Bank CorpTRST

-$179K+29.8%

Citizens Financial Services, Inc.CZFS

-$71K+67.3%

Farmers & Merchants BancorpFMAO

——

Midland States BancorpMSBI

——

Mid Penn BancorpMPB

——

CTB

Community Trust BancorpCTBI

——

Other financials

Income statement

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Revenue$23.9M+19.0%

Net income$10.5M+30.6%

EPS (diluted)$0.62+31.9%

Balance sheet

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Cash & equivalents$139.5M-10.3%

Total debt$75.5M+71.7%

Total equity$267.6M+16.8%

Total assets$3.2B+5.8%

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$518.43M+38.7%

Enterprise value$454.43M+73.2%

P/E13.3×+0.2×

P/S5.9×+0.7×

Profitability

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Net margin44.3%+4.4pp

FCF margin41.3%+5.9pp

Returns & leverage

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Return on equity15.7%+2.4pp

Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Greene County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: Greene County Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Greene County Bancorp's accretion (amortization) of discounts and premiums, investments?: Greene County Bancorp (GCBC) reported accretion (amortization) of discounts and premiums, investments of $660K in Q1 2026.
What does accretion (amortization) of discounts and premiums, investments mean?: The periodic adjustment to the carrying value of investment securities to reflect the amortization of premiums or the accretion of discounts over the life of the instrument. This process ensures that the effective yield of the investment is recognized consistently in interest income.