Greene County Bancorp Inc (GCBC) - Net Assets
Based on the latest financial reports, Greene County Bancorp Inc (GCBC) has net assets worth $277.83 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.18 Billion) and total liabilities ($2.91 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Greene County Bancorp Inc strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $277.83 Million |
| % of Total Assets | 8.73% |
| Annual Growth Rate | 10.8% |
| 5-Year Change | 76.16% |
| 10-Year Change | 232.65% |
| Growth Volatility | 9.21 |
Greene County Bancorp Inc - Net Assets Trend (1998–2026)
This chart illustrates how Greene County Bancorp Inc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Greene County Bancorp Inc stock valuation.
Annual Net Assets for Greene County Bancorp Inc (1998–2026)
The table below shows the annual net assets of Greene County Bancorp Inc from 1998 to 2026. Also explore GCBC shareholders equity momentum to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2026-06-30 | $277.83 Million | +16.33% |
| 2025-06-30 | $238.84 Million | +15.94% |
| 2024-06-30 | $206.00 Million | +12.39% |
| 2023-06-30 | $183.28 Million | +16.21% |
| 2022-06-30 | $157.71 Million | +5.44% |
| 2021-06-30 | $149.58 Million | +16.13% |
| 2020-06-30 | $128.81 Million | +14.63% |
| 2019-06-30 | $112.37 Million | +16.82% |
| 2018-06-30 | $96.19 Million | +15.17% |
| 2017-06-30 | $83.52 Million | +12.41% |
| 2016-06-30 | $74.30 Million | +11.03% |
| 2015-06-30 | $66.92 Million | +9.35% |
| 2014-06-30 | $61.20 Million | +9.08% |
| 2013-06-30 | $56.11 Million | +6.54% |
| 2012-06-30 | $52.66 Million | +9.53% |
| 2011-06-30 | $48.08 Million | +8.04% |
| 2010-06-30 | $44.50 Million | +10.53% |
| 2009-06-30 | $40.26 Million | +11.02% |
| 2008-06-30 | $36.27 Million | +2.41% |
| 2007-06-30 | $35.41 Million | +5.46% |
| 2006-06-30 | $33.58 Million | +2.53% |
| 2005-06-30 | $32.75 Million | +9.81% |
| 2004-06-30 | $29.83 Million | +2.41% |
| 2003-06-30 | $29.12 Million | +10.32% |
| 2002-06-30 | $26.40 Million | +5.21% |
| 2001-06-30 | $25.09 Million | +6.36% |
| 2000-06-30 | $23.59 Million | -1.28% |
| 1999-06-30 | $23.90 Million | +51.94% |
| 1998-06-30 | $15.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Greene County Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2026)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $17.03 Billion | 6128.00% |
| Total Equity | $277.83 Million | 100.00% |
Greene County Bancorp Inc Competitors by Market Cap
The table below lists competitors of Greene County Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Unity Bancorp Inc
NASDAQ:UNTY
|
$590.20 Million |
|
APG SGA SA
SW:APGN
|
$590.56 Million |
|
JiangSu JiangHuai Engine Co Ltd
SHE:000816
|
$590.76 Million |
|
Grupo Supervielle S.A
F:189A
|
$590.94 Million |
|
Jiangxi Yuean Advanced Materials Co Ltd
SHG:688786
|
$590.03 Million |
|
SmartFinancial, Inc.
NASDAQ:SMBK
|
$590.02 Million |
|
AAEON Technology Inc
TW:6579
|
$589.97 Million |
|
Colorlight Cloud Tech Ltd. A
SHE:301391
|
$589.93 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Greene County Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2025 to 2026, total equity changed from 238,837,000 to 277,831,000, a change of 38,994,000 (16.3%).
- Net income of 41,022,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 13,536,000.
- Other factors decreased equity by 15,564,000.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $41.02 Million | +14.77% |
| Other Comprehensive Income | $13.54 Million | +4.87% |
| Other Changes | $-15.56 Million | -5.6% |
| Total Change | $- | 16.33% |
Book Value vs Market Value Analysis
This analysis compares Greene County Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 35.90x to 2.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-06-30 | $0.98 | $35.29 | x |
| 1999-06-30 | $1.49 | $35.29 | x |
| 2000-06-30 | $1.47 | $35.29 | x |
| 2001-06-30 | $1.57 | $35.29 | x |
| 2002-06-30 | $1.64 | $35.29 | x |
| 2003-06-30 | $1.79 | $35.29 | x |
| 2004-06-30 | $1.80 | $35.29 | x |
| 2005-06-30 | $1.94 | $35.29 | x |
| 2006-06-30 | $2.01 | $35.29 | x |
| 2007-06-30 | $2.11 | $35.29 | x |
| 2008-06-30 | $2.18 | $35.29 | x |
| 2009-06-30 | $2.44 | $35.29 | x |
| 2010-06-30 | $2.69 | $35.29 | x |
| 2011-06-30 | $2.89 | $35.29 | x |
| 2012-06-30 | $3.14 | $35.29 | x |
| 2013-06-30 | $3.32 | $35.29 | x |
| 2014-06-30 | $3.61 | $35.29 | x |
| 2015-06-30 | $3.94 | $35.29 | x |
| 2016-06-30 | $4.38 | $35.29 | x |
| 2017-06-30 | $4.91 | $35.29 | x |
| 2018-06-30 | $5.64 | $35.29 | x |
| 2019-06-30 | $6.58 | $35.29 | x |
| 2020-06-30 | $7.55 | $35.29 | x |
| 2021-06-30 | $8.79 | $35.29 | x |
| 2022-06-30 | $9.26 | $35.29 | x |
| 2023-06-30 | $10.76 | $35.29 | x |
| 2024-06-30 | $12.10 | $35.29 | x |
| 2025-06-30 | $14.03 | $35.29 | x |
| 2026-06-30 | $16.32 | $35.29 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Greene County Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.77%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.14%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 11.46x
- Recent ROE (14.77%) is above the historical average (10.65%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 7.31% | 20.82% | 0.04x | 8.92x | $-423.11K |
| 1999 | 3.77% | 8.57% | 0.07x | 6.38x | $-1.49 Million |
| 2000 | 4.06% | 8.41% | 0.07x | 7.11x | $-1.40 Million |
| 2001 | 3.81% | 7.58% | 0.07x | 7.38x | $-1.55 Million |
| 2002 | 6.26% | 11.49% | 0.07x | 8.34x | $-987.36K |
| 2003 | 7.57% | 14.19% | 0.06x | 8.82x | $-708.21K |
| 2004 | 9.77% | 18.13% | 0.06x | 9.54x | $-69.58K |
| 2005 | 9.00% | 17.58% | 0.06x | 9.00x | $-326.25K |
| 2006 | 6.68% | 12.50% | 0.06x | 9.16x | $-1.12 Million |
| 2007 | 6.38% | 10.80% | 0.06x | 9.20x | $-1.28 Million |
| 2008 | 7.50% | 11.28% | 0.06x | 10.47x | $-906.70K |
| 2009 | 10.15% | 14.18% | 0.06x | 11.44x | $58.60K |
| 2010 | 10.98% | 17.64% | 0.06x | 11.13x | $434.70K |
| 2011 | 11.00% | 18.23% | 0.05x | 11.39x | $482.90K |
| 2012 | 11.07% | 19.97% | 0.05x | 11.22x | $563.60K |
| 2013 | 11.35% | 21.93% | 0.05x | 11.29x | $760.20K |
| 2014 | 10.67% | 22.46% | 0.04x | 11.02x | $408.00K |
| 2015 | 10.74% | 22.90% | 0.04x | 11.04x | $497.00K |
| 2016 | 12.06% | 25.78% | 0.04x | 11.69x | $1.53 Million |
| 2017 | 13.39% | 28.05% | 0.04x | 11.76x | $2.83 Million |
| 2018 | 14.98% | 31.05% | 0.04x | 11.97x | $4.79 Million |
| 2019 | 15.56% | 31.98% | 0.04x | 11.30x | $6.25 Million |
| 2020 | 14.54% | 30.22% | 0.04x | 13.02x | $5.85 Million |
| 2021 | 16.01% | 35.21% | 0.03x | 14.71x | $8.98 Million |
| 2022 | 17.74% | 37.03% | 0.03x | 16.31x | $12.21 Million |
| 2023 | 16.80% | 41.96% | 0.03x | 14.72x | $12.46 Million |
| 2024 | 12.02% | 21.07% | 0.04x | 13.72x | $4.17 Million |
| 2025 | 13.04% | 23.42% | 0.04x | 12.73x | $7.25 Million |
| 2026 | 14.77% | 28.14% | 0.05x | 11.46x | $13.24 Million |
Industry Comparison
This section compares Greene County Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $574,041,500
- Average return on equity (ROE) among peers: 7.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Greene County Bancorp Inc (GCBC) | $277.83 Million | 7.31% | 10.46x | $590.10 Million |
| Ameris Bancorp (ABCB) | $141.98 Million | 7.29% | 7.40x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $804.48 Million | 9.14% | 8.77x | $5.62 Billion |
| ACNB Corporation (ACNB) | $61.12 Million | 12.64% | 7.91x | $656.47 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $822.80 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $708.35 Million |
| Associated Banc-Corp (ASB) | $2.88 Billion | 5.86% | 7.41x | $5.62 Billion |
| AmeriServ Financial Inc (ASRV) | $107.25 Million | 3.36% | 12.26x | $78.95 Million |
About Greene County Bancorp Inc
Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction an… Read more