GCBC - NASDAQ
Greene County Bancorp, Inc.
$25.56
-1.3%Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. As of June 30, 2021, it operated a network of 17 full-service banking offices. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.
At a Glance
Live SnapshotGreene County Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Greene County Bancorp, Inc. Cash Flow Statement
GCBC • NASDAQ
| Greene County Bancorp, Inc. Cash Flow Statement | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | Jun 2009 | Jun 2008 | Jun 2007 | Jun 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
31.1M | 24.8M | 30.8M | 28M | 23.9M | 18.7M | 17.5M | 14.4M | 11.2M | 9M | 7.2M | 6.5M | 6.4M | 5.8M | 5.3M | 4.9M | 4.1M | 2.7M | 2.3M | 2.2M | |
1.1M | 928K | 871K | 826K | 775K | 713K | 638K | 635K | 637K | 629K | 545K | 617K | 737K | 835K | 737K | 922K | 858K | 1.2M | 1.7M | 2.4M | |
-706K | -74K | -149K | -682K | -2M | -1M | -967K | 56K | -259K | -714K | 488K | 18K | 324K | 560K | -140K | 719K | -505K | -115K | 28K | -62K | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 19K | 223K | 224K | 267K | 0.0 | 0.0 | 0.0 | |
-370K | -624K | 666K | 2.2M | 3.3M | 5.6M | 2.5M | 2.6M | 3.2M | 3M | 3.2M | 3.7M | 3.6M | 3.2M | 2.7M | 2.3M | 1.1M | 722K | 130K | 492K | |
(1.2M) | (1.8M) | (6.3M) | (5.6M) | (6.3M) | (3.1M) | (4.4M) | (2.3M) | (5.6M) | (2.8M) | (127K) | (3.2M) | (3.7M) | (3.1M) | (2.7M) | (1.6M) | (3.2M) | (0.0) | (0.0) | (0.0) | |
-3.1M | -91K | -4.1M | 5M | 1.7M | 2.7M | 2M | 3M | -732K | 1.8M | 1.4M | 537K | -677K | -109K | 1.4M | -2.5M | -580K | 426K | 285K | -678K | |
28M | 24.9M | 28.1M | 35.4M | 27.8M | 26.7M | 21.6M | 20.7M | 14M | 13.6M | 12.8M | 11.4M | 10.3M | 10.3M | 10.1M | 6.6M | 5.3M | 4.9M | 4.4M | 4.4M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-691K | -1.5M | -1.5M | -1.1M | -1.3M | -1.1M | -589K | -324K | -76K | -290K | -753K | -575K | -187K | -327K | -1.3M | -464K | -1.2M | -2.4M | -3.6M | -3.9M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (1.7M) | (0.0) | (0.0) | (0.0) | |
-444.2M | -329.6M | -212M | -669.2M | -626.6M | -391.5M | -191.3M | -183.3M | -115.3M | -123.4M | -68.5M | -39M | -84.3M | -80M | -99.3M | -38.4M | -98M | -53.5M | -20.5M | -17.5M | |
360.2M | 298.2M | 367.3M | 359.8M | 344.1M | 208.1M | 160.7M | 101.5M | 103.4M | 74.2M | 51.3M | 44.8M | 69.6M | 59.4M | 51.6M | 32.8M | 49.7M | 27.4M | 20.4M | 27.1M | |
-125.5M | -96.3M | -153.1M | -160.7M | -133.3M | -212.8M | -84.1M | -81.2M | -103.6M | -82.3M | -48.5M | -42.1M | -34.6M | -27.4M | -7.8M | -29.3M | -31.9M | -31.8M | -17.5M | -26M | |
-210.2M | -129.2M | (661K) | -471.2M | -417.1M | -397.3M | -115.3M | -163.4M | -115.8M | -132.4M | -66.5M | -36.8M | -50M | -48.4M | -56.8M | -35.3M | -79.6M | -60.3M | -21.1M | -20.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -631K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -772K | 24K | 60K | |
-71.3M | 149.5M | -123.7M | 150.2M | -2.9M | 3.9M | 3.5M | -11.4M | -16.9M | 4.7M | 24.1M | 3.1M | -6.4M | -5.3M | 200K | 7.1M | -1M | 15M | 0.0 | -2.5M | |
-4.5M | -3.2M | -2.2M | -2.6M | -2.4M | -2.2M | -2M | -1.5M | -1.9M | -1.9M | -1.8M | -1.3M | -2.1M | -1.3M | -1.6M | -1.2M | -1.2M | -1.3M | -885K | -823K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -631K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1M | (0.0) | (0.0) | |
250.6M | -47.9M | 224.6M | 207.5M | 504M | 380.5M | 95.3M | 165.9M | 120.9M | 116.4M | 33.2M | 31.3M | 46.6M | 42.4M | 48.5M | 23M | 77.4M | 37.1M | 15.8M | 15M | |
174.9M | 98.3M | 98.7M | 355.1M | 498.7M | 381.5M | 96.7M | 152.9M | 102.1M | 119.2M | 55.5M | 33M | 38.1M | 35.8M | 47M | 28.9M | 75.1M | 50.1M | 14.9M | 11.8M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-7.3M | -6.1M | 127.4M | -80.8M | 109.3M | 10.9M | 3M | 10.2M | 382K | 357K | 1.7M | 7.6M | -1.5M | -2.2M | 323K | 200K | 781K | -5.4M | -1.8M | -4.1M | |
190.4M | 196.4M | 69M | 149.8M | 40.5M | 29.5M | 26.5M | 16.3M | 15.9M | 15.5M | 13.8M | 6.2M | 7.7M | 10M | 9.6M | 9.4M | 8.7M | 14M | 15.9M | 19.9M | |
183.1M | 190.4M | 196.4M | 69M | 149.8M | 40.5M | 29.5M | 26.5M | 16.3M | 15.9M | 15.5M | 13.8M | 6.2M | 7.7M | 10M | 9.6M | 9.4M | 8.7M | 14M | 15.9M | |
27.3M | 23.4M | 26.6M | 34.3M | 26.5M | 25.6M | 21M | 20.3M | 14M | 13.3M | 12M | 10.8M | 10.1M | 10M | 8.8M | 6.1M | 4.1M | 2.5M | 730K | 494K |
SEC Filings
GCBC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 15, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 20, 2026 | March 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 09, 2026 | March 09, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 21, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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