Filing Flows › Greene County Bancorp (GCBC) › Q1 FY27 › vs Q1 FY26
Greene County Bancorp (GCBC) Q1 FY27 vs Q1 FY26 (year over year)
Greene County Bancorp's revenue rose $3.3M (+15%) from $21.5M in Q1 FY26 to $24.8M in Q1 FY27. The biggest changes: Net interest income +$4.4M (+25%); Noninterest income −$1.1M (-27%). Operating margin 58.2% against 47.4% (+10.8 pts).
Greene County Bancorp, Q1 FY27: revenue $24.8M (+15% year over year), operating margin 58.2%, net earnings $12.5M, operating cash flow $18.9M. The chart draws each line against Q1 FY26, the increases inside each band.
Margins
| Q1 FY27 | Q1 FY26 | Change | |
|---|---|---|---|
| Operating margin | 58.2% | 47.4% | +10.8 pts |
| Net margin | 50.4% | 41.2% | +9.2 pts |
| Free cash flow margin | 75.6% | 30.4% | +45.2 pts |
Every line
| Line | Q1 FY27 | Q1 FY26 | Change | % |
|---|---|---|---|---|
| Net interest income | $21.9M | $17.5M | $4.4M | +25% |
| Noninterest income | $2.9M | $4.0M | −$1.1M | -27% |
| Revenue | $24.8M | $21.5M | $3.3M | +15% |
| Operating profit | $14.4M | $10.2M | $4.2M | +42% |
| Costs & expenses | $10.4M | $11.3M | −$949K | -8% |
| Pre-tax earnings | $14.4M | $10.2M | $4.2M | +42% |
| Net earnings | $12.5M | $8.9M | $3.6M | +41% |
| Income tax | $1.9M | $1.3M | $609K | +46% |
| Working capital & other | $6.4M | −$1.9M | $8.3M | — |
| Operating cash flow | $18.9M | $7.0M | $11.9M | +171% |
| Free cash flow (OCF − capex) | $18.8M | $6.5M | $12.2M | +186% |
| Capital expenditures | $105K | $402K | −$297K | -74% |
Questions
How much did Greene County Bancorp's revenue grow year over year in Q1 FY27?
Greene County Bancorp's revenue rose $3.3M (+15%) from $21.5M in Q1 FY26 to $24.8M in Q1 FY27.
What drove Greene County Bancorp's revenue change in Q1 FY27?
Net interest income +$4.4M (+25%); Noninterest income −$1.1M (-27%).