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Greene County Bancorp cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$18.8M in Q1 FY27 · $53.8M over twelve months

Operating cash flow$18.9M
Capital spending−$105K
Free cash flow+$18.8M
Cash / net income1.5×

Analysis

In Q1 FY27, Greene County Bancorp generated $18.9M of operating cash flow and spent $105K on capital projects, leaving free cash flow of $18.8M. That is $12.2M more than in Q1 FY26 ($6.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $54.2M; the largest uses were other investing ($206M), dividends ($4.1M), capital spending ($444K); besides operations, cash came from other financing ($137M); the cash balance fell by $19.6M.

Operating cash flow was $18.9M against net income of $12.5M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: payables +$5.4M, prepaid and other assets +$2.4M, income taxes payable +$487K.

Free cash flow

Greene County Bancorp: free cash flow by quarterGreene County Bancorp: free cash flow by quarter$5.1MQ2 FY25$7.3MQ3 FY25$12.9MQ4 FY25$6.5MQ1 FY26$6.2MQ2 FY26$10.7MQ3 FY26$18.1MQ4 FY26$18.8MQ1 FY27
Operating cash flow less capital spending.
Greene County Bancorp: operating cash flow against capital spendingGreene County Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$5.3M$181KQ2 FY25$7.3M$52KQ3 FY25$13.2M$305KQ4 FY25$7.0M$402KQ1 FY26$6.4M$209KQ2 FY26$10.7M$13KQ3 FY26$18.2M$117KQ4 FY26$18.9M$105KQ1 FY27
Latest (Q1 FY27): Operating cash flow $18.9M, Capital spending $105K.

Capital allocation, year by year

Greene County Bancorp: where the cash came from (up) and went (down), by fiscal yearGreene County Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingBuybacksDividendsFY22: Operating cash flow $35.4MFY22: Net borrowing −$3.0MFY22: Capital spending −$1.1MFY22: Dividends −$2.6M$35.4MFY22FY23: Operating cash flow $28.1MFY23: Capital spending −$1.5MFY23: Dividends −$2.2M$28.1MFY23FY24: Operating cash flow $24.9MFY24: Net borrowing $34.2MFY24: Capital spending −$1.5MFY24: Dividends −$3.2M$59.1MFY24FY25: Operating cash flow $28.0MFY25: Net borrowing −$30.0MFY25: Capital spending −$691KFY25: Dividends −$4.5M$28.0MFY25FY26: Operating cash flow $42.3MFY26: Net borrowing $2.0MFY26: Capital spending −$741KFY26: Buybacks −$32KFY26: Dividends −$4.0M$44.3MFY26
Over these 5 years operating cash flow totalled $159M; the largest uses were net borrowing ($33.0M) and dividends ($16.6M). Cash-flow statements as filed.

Where the cash came from and went

Greene County Bancorp: sources (+) and uses (−) of cash, Q1 FY27Greene County Bancorp: sources (+) and uses (−) of cash, Q1 FY27Other investing−$73.2MOther financing$45.4MOperating cash flow$18.9MCash drawn (+) / kept (−)$9.9MDividends−$859KCapital spending−$105K
Greene County Bancorp: sources (+) and uses (−) of cash, TTM to Q1 FY27Greene County Bancorp: sources (+) and uses (−) of cash, TTM to Q1 FY27Other investing−$206MOther financing$137MOperating cash flow$54.2MCash drawn (+) / kept (−)$19.6MDividends−$4.1MCapital spending−$444K

From profit to cash

Greene County Bancorp: net income to operating cash flow, Q1 FY27Greene County Bancorp: net income to operating cash flow, Q1 FY27Net income$12.5MDeferred taxes−$107KPayables$5.4MPrepaid and other assets$2.4MIncome taxes payable$487KOperating cash flow$18.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q1 FY27$18.9M−$105K−$859K—$9.9M$18.8M
Q4 FY26$18.2M−$117K−$781K—−$5.5M$18.1M
Q3 FY26$10.7M−$13K−$1.7M—−$15.4M$10.7M
Q2 FY26$6.4M−$209K−$785K—$30.5M$6.2M
Q1 FY26$7.0M−$402K−$781K−$74.0M$28.5M$6.5M
Q4 FY25$13.2M−$305K−$703K$2.0M−$27.6M$12.9M
Q3 FY25$7.3M−$52K−$702K−$4.8M$11.0M$7.3M
Q2 FY25$5.3M−$181K−$1.5M−$22.8M$47.0M$5.1M

Greene County Bancorp: income statement and cash flow

Greene County Bancorp, Q1 FY27: revenue $24.8M (+15% year over year), operating margin 58.2%. The chart follows the revenue to costs, profit and cash.

Greene County Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.