Greene County Bancorp, Inc. (GCBC) Earnings History
Growth Compounder28 years of earnings data (1998–2025) · Consistent double-digit EPS growth over 5 years
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Greene County Bancorp, Inc. (GCBC) Earnings Overview
As of July 7, 2026, Greene County Bancorp, Inc. (GCBC) reported trailing twelve-month net income of $39M, reflecting +26.2% year-over-year growth. The company earned $2.29 per diluted share over the past four quarters, with a net profit margin of 23.4%.
Looking at the long-term picture, GCBC's 5-year EPS compound annual growth rate (CAGR) stands at +10.7%, showing solid earnings momentum. The company achieved its highest annual net income of $31M in fiscal 2025, representing a new all-time high.
Greene County Bancorp, Inc. maintains industry-leading profitability with a gross margin of 55.7%, operating margin of 26.1%, and net margin of 23.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), NBTB ($184M net income, 19.5% margin), GCBC has outperformed on profitability metrics. Compare GCBC vs CZWI →
GCBC Earnings vs Peers
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GCBC Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $31M | +25.7% | $35M | $1.83 | 23.4% | 26.1% |
| 2024 | $25M | -19.5% | $27M | $1.45 | 21.1% | 22.8% |
| 2023 | $31M | +10.0% | $36M | $1.81 | 31.8% | 37.0% |
| 2022 | $28M | +16.9% | $33M | $1.65 | 37.0% | 43.5% |
| 2021 | $24M | +27.8% | $28M | $1.41 | 35.2% | 40.6% |
| 2020 | $19M | +7.1% | $22M | $1.10 | 30.2% | 35.1% |
| 2019 | $17M | +21.3% | $21M | $1.02 | 32.0% | 38.5% |
| 2018 | $14M | +28.8% | $19M | $0.85 | 31.0% | 39.9% |
| 2017 | $11M | +24.8% | $15M | $0.66 | 28.0% | 37.4% |
| 2016 | $9M | +24.7% | $12M | $0.53 | 25.8% | 33.5% |
| 2015 | $7M | +10.1% | $10M | $0.43 | 22.9% | 30.3% |
| 2014 | $7M | +2.5% | $9M | $0.39 | 22.5% | 31.2% |
| 2013 | $6M | +9.3% | $9M | $0.38 | 21.9% | 31.1% |
| 2012 | $6M | +10.2% | $9M | $0.35 | 20.0% | 29.2% |
| 2011 | $5M | +8.3% | $8M | $0.32 | 18.2% | 27.6% |
| 2010 | $5M | +19.6% | $7M | $0.30 | 17.6% | 26.9% |
| 2009 | $4M | +50.2% | $6M | $0.25 | 14.2% | 21.7% |
| 2008 | $3M | +20.4% | $4M | $0.16 | 11.3% | 16.1% |
| 2007 | $2M | +0.7% | $3M | $0.14 | 10.8% | 15.1% |
| 2006 | $2M | -23.9% | $3M | $0.14 | 12.5% | 17.1% |
| 2005 | $3M | +1.2% | $4M | $0.18 | 17.6% | 25.1% |
| 2004 | $3M | +32.2% | $4M | $0.18 | 18.1% | 25.8% |
| 2003 | $2M | +33.4% | $3M | $0.14 | 14.2% | 20.6% |
| 2002 | $2M | +72.8% | $2M | $0.10 | 11.5% | 15.7% |
| 2001 | $956,353 | -0.2% | $1M | $0.06 | 7.6% | 9.3% |
| 2000 | $958,126 | +6.5% | $1M | $0.06 | 8.4% | 11.4% |
| 1999 | $900,000 | -21.7% | $1M | $0.05 | 8.6% | 10.5% |
| 1998 | $1M | - | $2M | $0.07 | 20.8% | 30.8% |
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GCBC — Frequently Asked Questions
Quick answers to the most common questions about buying GCBC stock.
What is GCBC earnings per share (EPS)?
GCBC trailing twelve-month (TTM) diluted EPS is $2.29, reflecting +26.2% year-over-year growth. The 5-year EPS CAGR is +10.7%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Greene County Bancorp, Inc.'s net income?
Greene County Bancorp, Inc. (GCBC) trailing twelve-month net income is $39M as of 2025. Earnings grew +26.2% year-over-year. Greene County Bancorp, Inc. has been profitable for 28 consecutive years.
Is GCBC profitable?
Yes, GCBC is profitable with a TTM net income of $39M and a net profit margin of +23.4%. Greene County Bancorp, Inc. has generated profits for 28 consecutive years.
What is GCBC's earnings growth rate?
GCBC compound annual EPS growth rates (CAGR): 1-Year: +26.2%, 3-Year: +3.5%, 5-Year: +10.7%, 10-Year: +15.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are GCBC's profit margins?
Greene County Bancorp, Inc. net profit margin is +23.4%, operating margin is +26.1%, and gross margin is +55.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +14.0%.
Is GCBC growing earnings?
Yes, GCBC earnings are accelerating — EPS growth of +26.2% exceeds the 5-year CAGR of +10.7%. TTM net income reached $39M. Earnings momentum is strengthening.
What was GCBC's best earnings year?
Greene County Bancorp, Inc.'s highest annual net income on record is $31M, achieved in fiscal year 2025. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were GCBC's earnings last quarter?
GCBC's most recent reported quarter was Q3 2026. Net income was $11M with diluted EPS of $0.62. For a full breakdown of all quarters, see the quarterly earnings table on this page.