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Greene County Bancorp GCBC Retained Earnings

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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:RetainedEarningsAccumulatedDeficit.

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
ASSETSMarch 31, 2026June 30, 2025
Preferred stock, Authorized - 1,000,000 shares; Issued - None--
Common stock, par value $0.10 per share; Authorized - 36,000,000 shares; Issued – 17,222,680 shares at March 31, 2026 and June 30, 2025; Outstanding – 17,026,828 shares at March 31, 2026, and June 30, 20251,7221,722
Additional paid-in capital10,15610,156
Retained earnings267,819241,403
Accumulated other comprehensive loss(11,196)(13,536)
Treasury stock, at cost 195,852 shares at March 31, 2026 and June 30, 2025(908)(908)
Total shareholders’ equity267,593238,837
Total liabilities and shareholders’ equity$$3,181,1553,040,609

Cover / Front Matter

FAQ

What is Greene County Bancorp's retained earnings?
Greene County Bancorp (GCBC) reported retained earnings of $267.82M in Q1 2026.
How has Greene County Bancorp's retained earnings changed year-over-year?
Greene County Bancorp's retained earnings increased by 15.1% year-over-year, from $232.77M to $267.82M.
What is the long-term trend for Greene County Bancorp's retained earnings?
Over 4 years (2021 to 2025), Greene County Bancorp's retained earnings has grown at a 14.6% compound annual growth rate (CAGR), from $139.78M to $241.4M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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