Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	31.14	24.77	30.79	27.99	23.94
Depreciation & Amortization	1.07	0.93	0.87	0.83	0.78
Other Amortization	0.57	0.58	0.44	-3.16	0.07
Gain (Loss) on Sale of Assets	-	-0.06	0.03	-0.04	-0.07
Gain (Loss) on Sale of Investments	0.36	0.3	2.67	3.39	3.57
Provision for Credit Losses	1.32	0.77	-1.07	3.28	3.97
Accrued Interest Receivable	-2.11	-2.02	-3.33	-1.14	0.43
Change in Income Taxes	0.43	0.32	-1.12	-0	-0.61
Change in Other Net Operating Assets	-1.47	1.61	0.39	6.13	1.93
Other Operating Activities	-3.25	-2.26	-1.52	-1.95	-6.22
Operating Cash Flow	27.98	24.91	28.11	35.35	27.75
Operating Cash Flow Growth	12.32%	-11.39%	-20.49%	27.39%	3.85%
Capital Expenditures	-0.69	-1.51	-1.54	-1.05	-1.25
Investment in Securities	-82.6	-30.05	154.82	-309.09	-283.39
Income (Loss) Equity Investments	-0.07	-0.02	-0.03	0.03	-0.04
Net Decrease (Increase) in Loans Originated / Sold - Investing	-128.67	-92.42	-157.95	-143.41	-92.93
Other Investing Activities	1.79	-5.26	5.32	-17.64	-39.56
Investing Cash Flow	-210.17	-129.24	0.66	-471.18	-417.14
Short-Term Debt Issued	-	115.3	-	123.7	-
Long-Term Debt Issued	4.19	34.16	-	29.5	19.58
Total Debt Issued	4.19	149.46	-	153.2	19.58
Short-Term Debt Repaid	-41.3	-	-123.7	-3	-14.88
Long-Term Debt Repaid	-34.16	-	-	-	-7.6
Total Debt Repaid	-75.46	-	-123.7	-3	-22.48
Net Debt Issued (Repaid)	-71.27	149.46	-123.7	150.2	-2.91
Common Dividends Paid	-4.48	-3.24	-2.19	-2.63	-2.43
Net Increase (Decrease) in Deposit Accounts	250.61	-47.94	224.56	207.5	504.03
Financing Cash Flow	174.87	98.28	98.67	355.06	498.7
Net Cash Flow	-7.32	-6.05	127.44	-80.77	109.31
Free Cash Flow	27.29	23.4	26.57	34.3	26.5
Free Cash Flow Growth	16.60%	-11.93%	-22.54%	29.45%	3.48%
Free Cash Flow Margin	37.16%	36.50%	35.70%	51.30%	45.04%
Free Cash Flow Per Share	1.60	1.37	1.56	2.02	1.56
Cash Interest Paid	57.86	52.07	23.07	5.18	4.96
Cash Income Tax Paid	1.17	1.8	6.31	5.6	6.3

Updated Oct 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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