Filing Flows › Greene County Bancorp (GCBC) › Q1 FY27
Greene County Bancorp (GCBC) Q1 FY27 earnings results (first quarter fiscal 2027)
10-Q filed Nov 6, 2026
Greene County Bancorp (GCBC) reported revenue of $24.8M for the first quarter fiscal 2027 (Q1 FY27), +15% from a year earlier and -0.7% from the quarter before. Operating margin was 58.2%, net earnings $12.5M (50.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q1 FY27 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $24.8M | -0.7% | +15% |
| Operating profit | $14.4M | +12% | +42% |
| Net earnings | $12.5M | +10% | +41% |
| Operating cash flow | $18.9M | +3% | +171% |
| Free cash flow | $18.8M | +3% | +186% |
What changed
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.
Questions
What was Greene County Bancorp's revenue in the first quarter fiscal 2027?
Greene County Bancorp (GCBC) reported revenue of $24.8M for the first quarter fiscal 2027 (Q1 FY27), +15% from a year earlier and -0.7% from the quarter before.
Was Greene County Bancorp profitable in the first quarter fiscal 2027?
Operating profit was $14.4M (58.2% of revenue) and net earnings $12.5M.