Greene County Bancorp Inc Net Assets
Greene County Bancorp Inc 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. Also explore how fast is Greene County Bancorp Inc growing its equity to track the company's year-over-year net asset growth rate.
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 |
Net Assets of Greene County Bancorp Inc (1998–2026)
Net assets of Greene County Bancorp Inc from 1998 to 2026. This chart illustrates how Greene County Bancorp Inc's net assets have evolved over time, based on quarterly financial data. See Greene County Bancorp Inc (GCBC) balance sheet quality index to measure how much of total assets are equity-financed.
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. For live market cap and overall valuation, see market cap of Greene County Bancorp Inc.
| 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 grown by 1697.4% over the analyzed period, indicating profitable operations and earnings retention.
Greene County Bancorp Inc Net Assets Breakdown (June 2026)
Greene County Bancorp Inc net assets breakdown by equity component as of June 2026.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $278.38 Million | 100.20% |
| Common Stock | $1.72 Million | 0.62% |
| Other Comprehensive Income | $-11.48 Million | -4.13% |
| Other Components | $9.22 Million | 3.32% |
| 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 |
|---|---|
|
Dongrui Food Group Co Ltd
SHE:001201
|
$584.69 Million |
|
Hanwha REIT Co. Ltd.
KO:451800
|
$584.83 Million |
|
Mattr Corp
TO:MATR
|
$584.90 Million |
|
Zhejiang Zanyu Technology Co Ltd
SHE:002637
|
$585.09 Million |
|
Sansec Technology Co. Ltd. A
SHG:688489
|
$584.63 Million |
|
Beijing Career International Co Ltd
SHE:300662
|
$584.62 Million |
|
Dongwon F & B
KO:049770
|
$584.51 Million |
|
LG Balakrishnan & Bros Limited
NSE:LGBBROSLTD
|
$584.47 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.
- Dividend payments of 4,049,000 reduced retained earnings.
- Share repurchases of 32,000 reduced equity.
- Other comprehensive income increased equity by 2,053,000.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $41.02 Million | +14.77% |
| Dividends Paid | $4.05 Million | -1.46% |
| Share Repurchases | $32.00K | -0.01% |
| Other Comprehensive Income | $2.05 Million | +0.74% |
| 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: 2.24x
- 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 37.22x to 2.24x 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 | $36.59 | x |
| 1999-06-30 | $1.49 | $36.59 | x |
| 2000-06-30 | $1.47 | $36.59 | x |
| 2001-06-30 | $1.57 | $36.59 | x |
| 2002-06-30 | $1.64 | $36.59 | x |
| 2003-06-30 | $1.79 | $36.59 | x |
| 2004-06-30 | $1.80 | $36.59 | x |
| 2005-06-30 | $1.94 | $36.59 | x |
| 2006-06-30 | $2.01 | $36.59 | x |
| 2007-06-30 | $2.11 | $36.59 | x |
| 2008-06-30 | $2.18 | $36.59 | x |
| 2009-06-30 | $2.44 | $36.59 | x |
| 2010-06-30 | $2.69 | $36.59 | x |
| 2011-06-30 | $2.89 | $36.59 | x |
| 2012-06-30 | $3.14 | $36.59 | x |
| 2013-06-30 | $3.32 | $36.59 | x |
| 2014-06-30 | $3.61 | $36.59 | x |
| 2015-06-30 | $3.94 | $36.59 | x |
| 2016-06-30 | $4.38 | $36.59 | x |
| 2017-06-30 | $4.91 | $36.59 | x |
| 2018-06-30 | $5.64 | $36.59 | x |
| 2019-06-30 | $6.58 | $36.59 | x |
| 2020-06-30 | $7.55 | $36.59 | x |
| 2021-06-30 | $8.79 | $36.59 | x |
| 2022-06-30 | $9.26 | $36.59 | x |
| 2023-06-30 | $10.76 | $36.59 | x |
| 2024-06-30 | $12.10 | $36.59 | x |
| 2025-06-30 | $14.03 | $36.59 | x |
| 2026-06-30 | $16.32 | $36.59 | 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: $627,551,500
- Average return on equity (ROE) among peers: 7.01%
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 | $584.66 Million |
| Ameris Bancorp (ABCB) | $239.36 Million | -1.64% | 9.06x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.65 Billion |
| ACNB Corporation (ACNB) | $110.02 Million | 9.35% | 8.91x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $359.40 Million | 14.66% | 8.44x | $829.34 Million |
| Amalgamated Bank (AMAL) | $344.07 Million | 1.78% | 10.75x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $166.38 Million | 13.18% | 10.80x | $724.09 Million |
| Associated Banc-Corp (ASB) | $4.09 Billion | 7.50% | 7.17x | $5.91 Billion |
| AmeriServ Financial Inc (ASRV) | $98.61 Million | 6.11% | 10.88x | $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. It offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio includes residential, construction a… Read more