Greene County Bancorp, Inc. (GCBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 20.19M | 19.06M | 17.52M | 16.71M | 16.21M | 14.07M | 13.14M | 12.86M | 12.29M | 12.39M | 13.44M | 14.23M | 15.23M | 15.92M | 15.83M | 15.07M | 14.09M | 14.45M | 14.4M | 14.15M |
| NII Growth % | 24.52% | 35.48% | 33.37% | 29.94% | 31.85% | 13.56% | -2.25% | -9.68% | -19.25% | -22.2% | -15.13% | -5.52% | 8.09% | 10.17% | 9.97% | 6.47% | 3.81% | 6.2% | 21.86% | 15.22% |
| Net Interest Margin % | 0.63% | 0.61% | 0.57% | 0.55% | 0.54% | 0.47% | 0.46% | 0.45% | 0.43% | 0.45% | 0.5% | 0.53% | 0.56% | 0.61% | 0.61% | 0.59% | 0.56% | 0.62% | 0.63% | 0.64% |
| Interest Income | 32.58M | 33.5M | 31.62M | 30.74M | 29.78M | 29.42M | 27.77M | 27.33M | 26.07M | 25.59M | 24.67M | 23.52M | 21.93M | 20.53M | 18.64M | 16.71M | 15.3M | 15.81M | 15.61M | 15.25M |
| Interest Expense | 12.39M | 14.44M | 14.1M | 14.03M | 13.57M | 15.35M | 14.63M | 14.47M | 13.78M | 13.21M | 11.23M | 9.29M | 6.71M | 4.61M | 2.81M | 1.65M | 1.22M | 1.36M | 1.21M | 1.1M |
| Loan Loss Provision | 451K | 199K | 1.26M | -880K | 1.08M | 478K | 634K | -151K | 290K | 170K | 457K | 128K | -944K | 244K | -499K | 847K | 163K | 1.28M | 988K | 35K |
| Non-Interest Income | 3.7M | 3.16M | 3.99M | 3.77M | 3.86M | 3.88M | 3.74M | 3.72M | 3.41M | 3.48M | 3.3M | 3.09M | 3.06M | 2.9M | 3.1M | 3.06M | 2.9M | 3.24M | 2.93M | 2.83M |
| Non-Interest Income % | 10.2% | 8.61% | 11.19% | 10.91% | 11.46% | 11.64% | 11.86% | 11.98% | 11.57% | 11.96% | 11.79% | 11.62% | 12.24% | 12.36% | 14.25% | 15.5% | 15.95% | 17% | 15.8% | 15.67% |
| Total Revenue | 36.28M | 36.65M | 35.61M | 34.5M | 33.63M | 33.29M | 31.51M | 31.05M | 29.48M | 29.07M | 27.97M | 26.62M | 24.99M | 23.42M | 21.74M | 19.78M | 18.21M | 19.05M | 18.54M | 18.09M |
| Revenue Growth % | 7.85% | 10.09% | 13.02% | 11.13% | 14.08% | 14.52% | 12.64% | 16.64% | 17.97% | 24.11% | 28.67% | 34.57% | 37.24% | 22.96% | 17.24% | 9.36% | 6.19% | 9.84% | 20.28% | 12.94% |
| Non-Interest Expense | 11.28M | 10.46M | 10.06M | 10.39M | 10.04M | 9.39M | 9.55M | 9.9M | 9.23M | 9.33M | 8.85M | 10M | 9.86M | 9.95M | 8.8M | 9.35M | 8.31M | 8.34M | 7.96M | 8.18M |
| Efficiency Ratio | 31.08% | 28.54% | 28.25% | 30.12% | 29.86% | 28.19% | 30.31% | 31.88% | 31.32% | 32.08% | 31.62% | 37.58% | 39.44% | 42.48% | 40.47% | 47.25% | 45.66% | 43.77% | 42.93% | 45.24% |
| Operating Income | 12.16M | 11.56M | 10.19M | 10.96M | 8.94M | 8.08M | 6.69M | 6.83M | 6.18M | 6.37M | 7.44M | 7.2M | 9.37M | 8.62M | 10.63M | 7.94M | 8.52M | 8.07M | 8.38M | 8.77M |
| Operating Margin % | 33.52% | 31.53% | 28.61% | 31.76% | 26.58% | 24.27% | 21.23% | 22% | 20.97% | 21.91% | 26.58% | 27.04% | 37.5% | 36.81% | 48.92% | 40.13% | 46.76% | 42.39% | 45.19% | 48.47% |
| Operating Income Growth % | 35.99% | 43.05% | 52.31% | 60.42% | 44.61% | 26.83% | -10.05% | -5.1% | -34.03% | -26.13% | -30.07% | -9.32% | 10.08% | 6.8% | 26.91% | -9.46% | 38.91% | 12.12% | 51.85% | 63.94% |
| Pretax Income | 12.16M | 11.56M | 10.19M | 10.96M | 8.94M | 8.08M | 6.69M | 6.83M | 6.18M | 6.37M | 7.44M | 7.2M | 9.37M | 8.62M | 10.63M | 7.94M | 8.52M | 8.07M | 8.38M | 8.77M |
| Pretax Margin % | 33.52% | 31.53% | 28.61% | 31.76% | 26.58% | 24.27% | 21.23% | 22% | 20.97% | 21.91% | 26.58% | 27.04% | 37.5% | 36.81% | 48.92% | 40.13% | 46.76% | 42.39% | 45.19% | 48.47% |
| Income Tax | 1.64M | 1.26M | 1.32M | 1.62M | 887K | 589K | 428K | 98K | 322K | 663K | 967K | 737K | 1.28M | 1.43M | 1.6M | 1.13M | 1.33M | 1.2M | 1.26M | 1.15M |
| Effective Tax Rate % | 13.46% | 10.95% | 12.94% | 14.82% | 9.92% | 7.29% | 6.4% | 1.43% | 5.21% | 10.41% | 13% | 10.24% | 13.68% | 16.53% | 15.03% | 14.24% | 15.58% | 14.83% | 15.1% | 13.14% |
| Net Income | 10.52M | 10.29M | 8.87M | 9.33M | 8.05M | 7.49M | 6.26M | 6.73M | 5.86M | 5.71M | 6.47M | 6.46M | 8.09M | 7.2M | 9.04M | 6.81M | 7.19M | 6.88M | 7.11M | 7.61M |
| Net Margin % | 29% | 28.08% | 24.91% | 27.05% | 23.95% | 22.5% | 19.87% | 21.68% | 19.88% | 19.63% | 23.13% | 24.27% | 32.37% | 30.73% | 41.57% | 34.41% | 39.47% | 36.1% | 38.37% | 42.1% |
| Net Income Growth % | 30.64% | 37.41% | 41.67% | 38.64% | 37.42% | 31.24% | -3.22% | 4.21% | -27.56% | -20.71% | -28.41% | -5.1% | 12.56% | 4.67% | 27.02% | -10.6% | 36.71% | 11.01% | 45.93% | 62% |
| Net Income (Continuing) | 10.52M | 10.29M | 8.87M | 9.33M | 8.05M | 7.49M | 6.26M | 6.73M | 5.86M | 5.71M | 6.47M | 6.46M | 8.09M | 7.2M | 9.04M | 6.81M | 7.19M | 6.88M | 7.11M | 7.61M |
| EPS (Diluted) | 0.62 | 0.60 | 0.52 | 0.55 | 0.47 | 0.44 | 0.37 | 0.40 | 0.34 | 0.34 | 0.38 | 0.38 | 0.48 | 0.43 | 0.53 | 0.40 | 0.42 | 0.41 | 0.42 | 0.45 |
| EPS Growth % | 31.91% | 36.36% | 40.54% | 37.5% | 38.24% | 29.41% | -2.63% | 5.26% | -29.17% | -20.93% | -28.3% | -5% | 14.29% | 4.88% | 26.19% | -11.11% | 35.48% | 10.81% | 50% | 60.71% |
| EPS (Basic) | 0.62 | 0.60 | 0.52 | 0.55 | 0.47 | 0.44 | 0.37 | 0.40 | 0.34 | 0.34 | 0.38 | 0.38 | 0.48 | 0.43 | 0.53 | 0.40 | 0.42 | 0.41 | 0.42 | 0.45 |
| Diluted Shares Outstanding | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M | 17.03M |