Greene County Bancorp, Inc.

GCBCNASDAQFinancial Services● Active

$28.21

+$0.59(+2.14%)

Market Cap$480289355

P/E Ratio—

52W High$28.44

52W Low$21.25

Avg Volume12K

Open$27.68

Beta0.44

Free Cash Flow Financials Revenue

Greene County Bancorp, Inc. (GCBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

GCBC · free cash flow · updated Jun 9, 2026

Core FCF metrics

GCBC · FCF · TTM · margin & CAGR

Free cash flow was $27.3M for FY2025 (fiscal year ending 2025-06-30), up 16.6% year-over-year The FCF margin was 20.5%. Five-year CAGR stands at +1.3%.

FY2025 Free Cash Flow$27.3M▲ +16.6% YoY

Trailing 12M (TTM)$36.3Mtrailing 4 quarters sum

FCF Margin20.5%$27.3M ÷ revenue

3-Year CAGR-7.3%FY2022 → FY2025

5-Year CAGR+1.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

GCBC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$28.0M(1M)$27.3M▲ +16.6%20.5%

FY2024$24.9M(2M)$23.4M▼ 11.9%19.9%

FY2023$28.1M(2M)$26.6M▼ 22.5%27.5%

FY2022$35.4M(1M)$34.3M▲ +29.5%45.4%

FY2021$27.8M(1M)$26.5M▲ +3.5%39.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

GCBC · P/FCF · FCF yield · FCF per share

Greene County Bancorp, Inc. (GCBC) trades at a FCF yield of 7.56% and a price-to-free-cash-flow ratio of 13.2x. FCF per share stands at $2.13, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.56%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.13

TTM FCF ÷ Shares Outstanding

Price / FCF

x13.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x12.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-06-30

Cash flow statement summary

GCBC · cash flow statement · operating / investing / financing

For FY2025, Greene County Bancorp, Inc. generated $28.0M in operating cash flow and spent 1M in capital expenditures, yielding $27.3M in free cash flow.

Operating Activities

+$28.0M

Cash from core business operations

2025-06-30

Investing Activities

−$210.2M

CapEx, acquisitions & investments

2025-06-30

Financing Activities

+$174.9M

Buybacks, dividends & debt

2025-06-30

FCF FormulaOperating CF ($28.0M) − |CapEx| (1M) = FCF ($27.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

GCBC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Greene County Bancorp, Inc.YOU

GCBC

$27.3M+16.6%20.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Greene County Bancorp, Inc. (GCBC) reported free cash flow of $27.3M for FY2025 (fiscal year ending 2025-06-30), up 16.6% year-over-year. The FCF margin was 20.5%.

Based on available data, Greene County Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $34.3M in FY2022. The 5-year CAGR stands at +1.3%.

Greene County Bancorp, Inc.'s FCF yield is 7.56% and price-to-FCF ratio is 13.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

GCBC free cash flow · 8 questions

Greene County Bancorp, Inc. free cash flow was $27.3M for FY2025, up 16.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $36.3M.

GCBC free cash flowGCBC FCFGCBC FCF 2025GCBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Greene County Bancorp, Inc. · Greene County Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026