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Greene County Bancorp GCBC Financing Receivable Individually Evaluated Amortized Cost Basis

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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 gcbc:FinancingReceivableIndividuallyEvaluatedAmortizedCostBasis.

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

Loans individually evaluated had an amortized cost basis of $915,000 and $751,000, with an allowance for credit losses on loans of $472,000 and $549,000 at March 31, 2026 and June 30, 2025, respectively. At March 31, 2026, the amortized cost basis of collateral dependent loans was $742,000 for residential real estate loans and $173,000 for home equity loans. At June 30, 2025, the amortized cost basis of collateral dependent loans was $751,000 for residential real estate loans. The allowance for credit loss for collateral dependent loans is individually assessed based on the fair value of the collateral less costs to sell at the reporting date.

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FAQ

What is Greene County Bancorp's financing receivable individually evaluated amortized cost basis?
Greene County Bancorp (GCBC) reported financing receivable individually evaluated amortized cost basis of $915K in Q1 2026.
How has Greene County Bancorp's financing receivable individually evaluated amortized cost basis changed year-over-year?
Greene County Bancorp's financing receivable individually evaluated amortized cost basis increased by 20.6% year-over-year, from $759K to $915K.
What does financing receivable individually evaluated amortized cost basis mean?
This metric reflects the total amortized cost basis of loans that have been identified for individual assessment rather than collective evaluation for credit losses. It highlights the portion of the loan portfolio that management deems to have unique risk characteristics requiring specific scrutiny. This is a key indicator of the bank's exposure to large or complex credit relationships.

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