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Greene County Bancorp (GCBC) earnings and revenue breakdown
Latest: Q1 FY27 · 10-Q filed Nov 6, 2026 · Greene County Bancorp (GCBC) Q1 FY27 earnings results →
Q1 FY27 Revenue up 15% year over year to $24.8M · 50¢ of every $1 of revenue kept as net profit · operating margin 58.2%
Greene County Bancorp made $24.8M in Q1 FY27 (+15% Y/Y): Net interest income $21.9M, Noninterest income $2.9M. Operating margin 58.2%, net earnings $12.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $24.8M in Q1 FY27, up 15% year over year and down 1% from the previous quarter. Net interest income was the largest line at 88% of revenue. Net interest income added $4.4M year over year (up 25%), 133% of the total change. Noninterest income declined 27%.
Operating profit was $14.4M, a 58.2% margin (up 10.8 points year over year). Of the extra revenue versus a year earlier, 129% reached operating profit, above the 47% margin then. Total costs fell 8% while revenue rose 15%. Net earnings were $12.5M, up 41% year over year. The effective tax rate was 13.4%.
Operating cash flow was $18.9M (up 171% year over year), 151% of net earnings. Working capital and other items added $6.4M. Capital expenditures of $105K left free cash flow of $18.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q1 FY27 | 10-Q | Nov 6, 2026 | $24.8M | +15% | 58.2% | $12.5M | $18.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Greene County Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +8%. Operating margin: 58.2% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| GCBC Greene County Bancorp | Q1 FY27 | $24.8M | +15% | 58.2% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: Greene County Bancorp 10-Q on SEC EDGAR · CIK 1070524 · Savings Institutions, Not Federally Chartered
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History
Every quarter: Q1 FY27 results