Company research
GREENE COUNTY BANCORP INC
CIK 1070524Updated Sep 26, 2026
SecurityGCBC · NASDAQ · equity
GCBC price & chart
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NASDAQ:GCBC on TradingView ↗About the company
Greene County Bancorp, Inc. is the holding company for the Bank of Greene County, and its subsidiary Greene County Commercial Bank. The Company is the leading provider of community-based banking services throughout the Hudson Valley and Capital Region of New York State. Its customers include individuals, businesses, municipalities and other institutions. Greene County Bancorp, Inc. (GCBC) is publicly traded on the Nasdaq Capital Market and is dedicated to promoting economic development and a high quality of life in the communities it serves. For more information on Greene County Bancorp, Inc., visit www.tbogc.com.
In the news
Greene County Bancorp, Inc. Delivers Net Income of $10.5 Million for the Quarter Ended March 31, 2026, the Highest Quarterly Earnings in the Bank’s 137-Year History and Announces a Stock Repurchase Program ↗
Recent filings
ARS filing
DEFA14A filing
DEF 14A filing
Other Events
Items 8.01, 9.01
PRE 14A filing
Show 5 more recent filings
10-K filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
11-K filing
Regulation FD Disclosure
Items 7.01, 9.01
Financials
FY 2026 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 3,183,427,000Source | 3,040,609,000Source | 2,825,788,000Source | 2,698,283,000Source |
| Property, Plant and Equipment, NetUSD | 14,839,000Source | 15,232,000Source | 15,606,000Source | 15,028,000Source |
| Operating Lease, Right-of-Use AssetUSD | 2,198,000Source | 2,284,000Source | 2,071,000Source | 2,188,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 2,905,596,000Source | 2,801,772,000Source | 2,619,788,000Source | 2,515,000,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 1,722,000Source | 1,722,000Source | 1,722,000Source | 1,722,000Source |
| Additional Paid in CapitalUSD | 10,156,000Source | 10,156,000Source | 10,156,000Source | 10,156,000Source |
| Retained Earnings (Accumulated Deficit)USD | 278,376,000Source | 241,403,000Source | 214,740,000Source | 193,721,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -11,483,000Source | -13,536,000Source | -19,710,000Source | -21,408,000Source |
| Stockholders' Equity Attributable to ParentUSD | 277,831,000Source | 238,837,000Source | 206,000,000Source | 183,283,000Source |
| Liabilities and EquityUSD | 3,183,427,000Source | 3,040,609,000Source | 2,825,788,000Source | 2,698,283,000Source |
| Additional Financial Items | ||||
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | — | 417,000Source | 528,000Source | 877,000Source |
| Long-term DebtUSD | — | — | — | 0Source |
cash flow · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Changes in operating assets and liabilities: | ||||
| Increase (Decrease) in Accounts PayableUSD | 3,740,000Source | 2,604,000Source | 2,037,000Source | 256,000Source |
| Deferred Income Tax Expense (Benefit)USD | -1,647,000Source | -706,000Source | -74,000Source | -149,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 42,299,000Source | 27,978,000Source | 24,908,000Source | 28,109,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -176,932,000Source | -210,166,000Source | -129,235,000Source | 661,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 741,000Source | 691,000Source | 1,506,000Source | 1,537,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 32,000Source | — | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 96,460,000Source | 174,871,000Source | 98,277,000Source | 98,666,000Source |
| Dividends paid | — | — | — | — |
| Repayments of Long-term DebtUSD | — | 34,156,000Source | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 144,905,000Source | 183,078,000Source | 190,395,000Source | 196,445,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 53,229,000Source | 57,864,000Source | 52,070,000Source | 23,074,000Source |
| Income Taxes Paid, NetUSD | 2,268,000Source | — | — | — |
| Additional Financial Items | ||||
| Amortization of Debt Issuance CostsUSD | 112,000Source | 186,000Source | 186,000Source | 185,000Source |
| Bank Owned Life Insurance IncomeUSD | 2,755,000Source | 2,545,000Source | 2,183,000Source | 1,369,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -576,000Source | -665,000Source | 0Source | -251,000Source |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to SettlementUSD | -905,000Source | 0Source | 0Source | 0Source |
| Depreciation, NonproductionUSD | 1,134,000Source | 1,065,000Source | 928,000Source | 871,000Source |
| Equipment ExpenseUSD | 900,000Source | 791,000Source | 710,000Source | 699,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | -14,000Source | 74,000Source | 22,000Source | 33,000Source |
| Income Tax Expense (Benefit)USD | 5,810,000Source | 3,528,000Source | 2,050,000Source | 5,042,000Source |
| Net Income (Loss) Attributable to ParentUSD | 41,022,000Source | 31,138,000Source | 24,769,000Source | 30,785,000Source |
| Proceeds from Issuance of Long-term DebtUSD | 1,977,000Source | 4,189,000Source | 34,156,000Source | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 266,800,000Source | 209,744,000Source | 182,232,000Source | 262,884,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 2,033,000Source | 1,316,000Source | 766,000Source | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 2,051,000Source | 1,251,000Source | 786,000Source | -1,071,000Source |
income statement · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 46,832,000Source | 34,666,000Source | 26,819,000Source | 35,827,000Source |
| Income Tax Expense (Benefit)USD | 5,810,000Source | 3,528,000Source | 2,050,000Source | 5,042,000Source |
| Net Income (Loss) Attributable to ParentUSD | 41,022,000Source | 31,138,000Source | 24,769,000Source | 30,785,000Source |
| Earnings Per Share, BasicUSD per share | 2.41Source | 1.83Source | 1.45Source | 1.81Source |
| Earnings Per Share, DilutedUSD per share | 2.41Source | 1.83Source | 1.45Source | 1.81Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 17,025,485Source | 17,026,828Source | 17,026,828Source | 17,026,828Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 17,025,485Source | 17,026,828Source | 17,026,828Source | 17,026,828Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 2,755,000Source | 2,545,000Source | 2,183,000Source | 1,369,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.4Source | 0.36Source | 0.32Source | 0.28Source |
| Current Income Tax Expense (Benefit)USD | 7,457,000Source | 4,234,000Source | 2,124,000Source | 5,191,000Source |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to SettlementUSD | -905,000Source | 0Source | 0Source | 0Source |
| Equipment ExpenseUSD | 900,000Source | 791,000Source | 710,000Source | 699,000Source |
| Interest ExpenseUSD | — | — | — | 23,407,000Source |
| InterestExpenseOperatingUSD | 53,213,000Source | 57,584,000Source | 52,685,000Source | — |
| Interest Income (Expense), NetUSD | 77,914,000Source | 60,121,000Source | 50,979,000Source | 61,218,000Source |
| Labor and Related ExpenseUSD | 26,717,000Source | 24,415,000Source | 23,836,000Source | 23,418,000Source |
| Other Operating IncomeUSD | 1,628,000Source | 2,899,000Source | 1,374,000Source | 912,000Source |
Filing attachments
ef20078633_ex99-1.htm · 8-K · 2026-07-23
EX-99.1 2 ef20078633_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR RELEASE Date: July 23, 2026 For Further Information Contact: Donald E. Gibson President & CEO (518) 943-2600 donaldg@tbogc.com Nick Barzee SVP & CFO (518) 943-2600 nickb@tbogc.com Greene County Bancorp, Inc. Reports Record Fiscal Year 2026 Earnings, Achieves Highest Quarterly Net Income in Company History, and Earns National Top-Performing Bank Recognition Catskill, N.Y. - July 23, 2026 - Greene County Bancorp, Inc. …
Read attachment ↗ef20078418_ex99-1.htm · 8-K · 2026-07-22
EX-99.1 2 ef20078418_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Date: July 22, 2026 For Further Information Contact: Donald E. Gibson President and Chief Executive Officer (518) 943-2600 donaldg@tbogc.com GREENE COUNTY BANCORP, INC. ANNOUNCES CASH DIVIDEND INCREASE Catskill, NY - July 22, 2026. Greene County Bancorp, Inc. (NASDAQ-GCBC) today announced that its Board of Directors has approved a quarterly cash dividend of $0.11 per share on the Company’s common stock. …
Read attachment ↗ef20076582_ex99-1.htm · 8-K · 2026-06-22
EX-99.1 2 ef20076582_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 June 2026 Investor Presentation 2 Forward-Looking Statements / Non-GAAP Disclosures Forward-Looking Statements This presentation contains statements about future events that constitute forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by references to a future period or periods or by the use of the words “believe,” “expect,” “anticipate,” “int…
Read attachment ↗ef20071192_ex99-1.htm · 8-K · 2026-04-22
EX-99.1 2 ef20071192_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR RELEASE Date: April 22, 2026 For Further Information Contact: Donald E. Gibson President & CEO (518) 943-2600 donaldg@tbogc.com Nick Barzee SVP & CFO (518) 943-2600 nickb@tbogc.com Greene County Bancorp, Inc. Delivers Net Income of $10.5 Million for the Quarter Ended March 31, 2026, the Highest Quarterly Earnings in the Bank’s 137-Year History and Announces a Stock Repurchase Program Catskill, N.Y. - April 22, 2026 …
Read attachment ↗ef20071187_ex99-1.htm · 8-K · 2026-04-22
EX-99.1 2 ef20071187_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Date: April 22, 2026 For Further Information Contact: Donald E. Gibson President and Chief Executive Officer (518) 943-2600 donaldg@tbogc.com GREENE COUNTY BANCORP, INC. ANNOUNCES CASH DIVIDEND Catskill, NY - April 22, 2026. Greene County Bancorp, Inc. (NASDAQ-GCBC) today announced that its Board of Directors has approved a quarterly cash dividend of $0.10 per share on the Company’s common stock. The div…
Read attachment ↗ef20070627_ex99-1.htm · 8-K · 2026-04-15
EX-99.1 2 ef20070627_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Date: April 15, 2026 For Further Information Contact: Donald E. Gibson President and CEO (518) 943-2600 donaldg@tbogc.com GREENE COUNTY BANCORP, INC. ADOPTS STOCK REPURCHASE PROGRAM Catskill, New York, April 15, 2026 - Greene County Bancorp, Inc. (the “Company”) (NASDAQ-GCBC), the holding company for Bank of Greene County and its subsidiary Greene County Commercial Bank, today announced that its Board o…
Read attachment ↗