{"filings":[{"id":1828596,"accession_number":"0001140361-26-029411","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-07-23T19:41:43+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports record FY2026 net income of $41.0M, up 31.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $41.0M ($2.41 EPS) vs $31.1M ($1.83 EPS) in FY2025; quarterly net income $11.3M ($0.67 EPS).","Total assets $3.2B, net loans $1.7B, deposits $2.7B; all record highs.","Net interest margin expanded 46 bps to 2.65% for FY2026; net interest income up $17.8M to $77.9M.","Provision for credit losses $2.0M (up from $1.3M) driven by loan growth; nonperforming loans $3.9M (0.23% of net loans).","Company redeemed $20M subordinated notes in Oct 2025; terminated defined benefit pension plan with $905K non-cash charge."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1798916,"accession_number":"0001140361-26-029241","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-07-22T18:38:16+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp increases quarterly dividend 10% to $0.11 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.11 per share; annual rate rises to $0.44 from $0.40 (10% increase).","Payable August 31, 2026 to shareholders of record as of August 14, 2026.","MHC, owning 54.1% of shares, will waive its dividend; Fed nonobjection obtained through Dec 2026.","MHC waiver covers up to $0.64 per share for the four quarters ending March 31, 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1193916,"accession_number":"0001140361-26-025931","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-06-22T19:43:55+00:00","items":["7.01","9.01"],"status":"ready","headline":"Greene County Bancorp posts investor presentation for Q2 2026 meetings","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation available on www.thebankofgreenecounty.com under Investor Relations.","Management to discuss strategies, recent performance, and trends with investors.","Filing is furnished under Item 7.01 and not deemed filed for Exchange Act purposes.","No specific financial results or material updates disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91088,"accession_number":"0001140361-26-016085","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp posts record Q3 net income of $10.5M, authorizes 400K share buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $10.5M ($0.62/diluted share) for Q3 FY2026, up 29.6% YoY; nine-month net income $29.7M ($1.74/share), up 36.1%.","Total assets hit record $3.2B; net loans $1.7B and total deposits $2.8B, all-time highs.","Board authorized stock repurchase of up to 400,000 shares at management's discretion.","Pre-provision net income $31.6M for nine months, up 31.6% from $24.0M a year ago.","Net interest margin expanded 45 bps to 2.59% for nine months; credit quality stable with nonperforming assets at 0.10% of assets."],"consensus_eps_estimate":null,"consensus_eps_actual":1.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91087,"accession_number":"0001140361-26-016081","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.10 quarterly dividend; MHC waives receipt","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.10 per share ($0.40 annual) declared, unchanged from prior quarter.","Record date May 15, 2026; payable May 29, 2026.","Majority owner MHC waives its dividend; Fed nonobjection for waiver through Q4 2026.","MHC owns 54.1% of outstanding shares; waiver reduces total cash dividend payout."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91086,"accession_number":"0001140361-26-014748","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-04-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"GCBC board approves 400,000-share buyback program (5% of public float)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 400,000 shares, representing ~5.0% of outstanding shares held by non-MHC shareholders.","Repurchases expected to start after release of Q3 FY2026 results (quarter ended March 31, 2026).","Shares may be bought in open market, private transactions, or via Rule 10b5-1 plans; timing and amount at management's discretion.","Program can be suspended, terminated, or modified at any time for various market and financial conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100998,"accession_number":"0001140361-26-010537","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-03-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Greene County Bancorp MHC gets Fed nonobjection to waive dividends up to $0.64/share","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["MHC (54.1% owner) received nonobjection from Fed Reserve Bank of Philadelphia to waive dividends.","Waiver covers up to $0.64 per share for four quarters ending March 31, June 30, Sept 30, Dec 31, 2026.","MHC intends to waive dividends paid on company common stock, subject to cash flow needs.","Waiver allows MHC to forgo its share, potentially increasing dividends available to minority shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100997,"accession_number":"0001140361-26-008358","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-03-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Greene County Bancorp furnishes investor presentation for Q1 2026 meetings","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Management to meet institutional investors in Q1 2026; presentation posted on company website.","Presentation discusses strategies, recent performance, and trends; no new material financial data disclosed.","Filing is under Regulation FD; presentation is furnished, not filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100996,"accession_number":"0001140361-26-001832","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.10 quarterly dividend; MHC will not waive receipt","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share, same annual rate of $0.40.","Payable Feb 27, 2026 to shareholders of record as of Feb 13, 2026.","Majority owner Greene County Bancorp MHC (54.1% stake) will not waive its dividend for Q4 2025.","Previous quarters MHC had waived dividends; this quarter it will receive its share for cash flow."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100995,"accession_number":"0001140361-26-001830","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports record quarterly net income of $10.3M for Q2 FY2026","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $10.3M ($0.60/shr) for Q2, up from $7.5M ($0.44/shr) a year ago; six-month record $19.2M ($1.13/shr).","Total assets reached $3.1B, net loans $1.7B, both new record highs as of Dec 31, 2025.","Net interest margin expanded 50 bps to 2.54% in Q2; net interest income rose $5.0M YoY to $19.1M.","Nonperforming assets remain low at 0.10% of total assets; allowance for credit losses 1.26% of loans.","Opened first Saratoga County office on time and under budget; ranked 9th in Piper Sandler Sm-All Stars."],"consensus_eps_estimate":null,"consensus_eps_actual":1.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117325,"accession_number":"0001140361-25-040321","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Greene County Bancorp reports annual meeting votes; slideshow on financial performance available","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["All three director nominees elected: John Brust, Donald E. Gibson, Tejraj S. Hada each received >13.5M votes.","Ratification of Bonadio & Co. as auditor for FY2026 approved: 15.7M for, 32K against.","Advisory vote on executive compensation passed: 13.0M for, 1.1M against.","Advisory vote on say-on-pay frequency: 1-year interval received 13.99M votes (most favored).","Slideshow used at annual meeting posted on www.tbogc.com discussing financial performance and business strategies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117324,"accession_number":"0001140361-25-038896","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.10 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share, annualized rate of $0.40, same as previous quarter.","Record date November 14, 2025; payable November 28, 2025.","Majority stockholder Greene County Bancorp, MHC will waive its dividend receipt (54.1% ownership)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117323,"accession_number":"0001140361-25-038759","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-10-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q1 net income $8.9M, EPS $0.52, record assets, expands into Saratoga County","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.9M ($0.52 EPS) vs $6.3M ($0.37 EPS) a year ago, up 41.7%.","Total assets $3.1B, net loans $1.65B, deposits $2.7B – all record highs.","Net interest margin expanded to 2.48% from 2.03% YoY; net interest spread 2.25% vs 1.76%.","Provision for credit losses $1.3M vs $634K; ACL ratio 1.27% of loans.","Announced expansion into Saratoga County; Clifton Park office grand opening Oct 25, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117322,"accession_number":"0001140361-25-036969","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Greene County Bancorp redeems $20M in 4.75% subordinated notes using cash on hand","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Redeemed entire $20 million principal of 4.75% Fixed-to-Floating Rate Subordinated Notes due 2030.","Redemption price was 100% of principal plus accrued interest to October 1, 2025.","Funded entirely from cash on hand, reducing outstanding long-term debt."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133759,"accession_number":"0001140361-25-026900","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp posts record $31.1M net income for FY2025; expands to Saratoga County","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $31.1M ($1.83/diluted share) for FY2025, up 25.7% from $24.8M ($1.45) prior year.","Q4 net income $9.3M ($0.55/share), up 38.6% from $6.7M ($0.40) prior year Q4.","Total assets reached $3.0B record; net loans $1.6B, deposits $2.6B.","Plans first branch in Saratoga County, expanding to 6 counties in New York.","Net interest margin improved to 2.19% for FY2025 from 1.98% prior year."],"consensus_eps_estimate":null,"consensus_eps_actual":1.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133758,"accession_number":"0001140361-25-025998","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-07-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.10 quarterly dividend, 11.1% increase to $0.40 annual","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend $0.10 per share; annual rate $0.40, up 11.1% from $0.36.","Record date August 15, 2025; payable August 29, 2025.","Majority owner MHC (54.1%) waives dividend; Fed nonobjection for waiver up to $0.48/share through Sep 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150482,"accession_number":"0001140361-25-014865","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q3 net income $8.1M (+37% YoY); total assets surpass $3B milestone","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.1M for quarter ($0.47 EPS) vs $5.9M ($0.34) prior year; nine-month net income $21.8M.","Total assets reached $3.0B, up 6.5% from June 2024; net loans $1.6B, deposits $2.7B, both record highs.","Net interest margin expanded to 2.32% from 1.90% YoY; net interest income rose $3.9M to $16.2M.","Pre-provision net income $24.0M for nine months, up 26.6% from $19.0M; ROAA 1.04%, ROAE 13.40%.","Provision for credit losses on loans $2.3M YTD vs $922K prior year due to loan growth and CECL model."],"consensus_eps_estimate":null,"consensus_eps_actual":1.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150481,"accession_number":"0001140361-25-014116","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.09 quarterly dividend, MHC waives receipt","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.09/share ($0.36 annual), same as prior quarter.","Payable May 30, 2025 to shareholders of record May 16, 2025.","MHC, owning 54.1% of shares (9,218,528 shares), will waive its dividend.","Fed Reserve Philadelphia nonobjection covers MHC waiver through Sept 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169451,"accession_number":"0001140361-25-001581","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q2 net income $7.5M, up 31% YoY; record assets $2.97B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.5M ($0.44 per share) for Dec 31, 2024 quarter vs $5.7M ($0.34) a year ago; six-month net income $13.8M.","Total assets $2.97B (record), net loans $1.53B (record), deposits $2.47B at Dec 31, 2024.","Net interest margin improved to 2.04% for quarter from 1.94% a year ago; net interest income up $1.7M to $14.1M.","Provision for credit losses on loans $505K for quarter vs $183K prior; allowance 1.30% of loans.","Noninterest income up 11.4% to $3.9M; noninterest expense up 0.6% to $9.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169450,"accession_number":"0001140361-25-001566","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.09 quarterly dividend, unchanged $0.36 annual rate","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.09 per share; annual rate $0.36, same as prior quarter.","Record date February 14, 2025; payable February 28, 2025.","Majority owner MHC waived its receipt; Federal Reserve non-objection for up to $0.48/share through Q3 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186505,"accession_number":"0001140361-24-049936","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Fed nonobjects to MHC dividend waiver of up to $0.48/share for four quarters","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["MHC (54.1% owner) received Fed nonobjection to waive dividends for quarters ending Dec 31, 2024, Mar 31, Jun 30, Sep 30, 2025.","Waived dividends aggregate up to $0.48 per share across those four quarters.","MHC intends to waive dividends subject to cash flow needs, as previously disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186504,"accession_number":"0001140361-24-045209","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-11-05T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Greene County Bancorp annual meeting elects directors, ratifies auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Jay P. 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record assets $2.9B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.3M vs $6.5M YoY; diluted EPS $0.37 vs $0.38; net interest income $13.1M, down $303K.","Total assets $2.9B (+1.7% QoQ), net loans $1.5B, deposits $2.5B – all record highs.","Pre-provision net income $6.9M, flat YoY; provision for loan losses $634K vs $457K.","Net interest margin compressed to 2.03% from 2.12% YoY; tax-equivalent margin 2.29%.","Noninterest income up 13.3% to $3.7M; expenses up 8.0% to $9.6M on salary and data processing costs."],"consensus_eps_estimate":null,"consensus_eps_actual":0.37,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186502,"accession_number":"0001140361-24-043546","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County declares $0.09 quarterly dividend; MHC to accept payout for first time","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.09 per share ($0.36 annual), unchanged from prior quarter.","Payable Nov 29, 2024 to holders of record Nov 15, 2024.","MHC (54.1% owner) will not waive its dividend for Q3 ending Sept 30, 2024, reversing historical waiver.","MHC owns 9,218,528 of 17,026,828 total shares outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203082,"accession_number":"0001140361-24-033828","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp FY24 net income down 19.5% to $24.8M; NIM compresses 47 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for FY2024 $24.8M ($1.45 EPS) down 19.5% from $30.8M ($1.81 EPS) in FY2023.","Net interest margin fell 47 bps to 1.98% due to deposit cost increases outpacing asset repricing.","Total assets hit record $2.8B; net loans grew 6.7% to $1.5B.","Deposits decreased 2.0% to $2.39B; borrowings rose to $199.1M from $49.5M.","Selected for KBW Bank Honor Roll for 13th consecutive year; effective tax rate fell to 7.6%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203081,"accession_number":"0001140361-24-033370","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp increases dividend 12.5% to $0.36 annual; MHC will not waive this quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend raised to $0.09 per share, from $0.08, a 12.5% annual increase to $0.36.","Dividend payable August 30, 2024 to shareholders of record as of August 15, 2024.","Greene County Bancorp MHC (54.1% owner) historically waived dividends but will accept payment for Q ended June 30, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203080,"accession_number":"0001140361-24-031898","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Greene County Bancorp appoints Nick Barzee as CFO, replacing retiring Michelle Plummer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Nick Barzee appointed SVP and CFO effective July 1, 2024, replacing retiring Michelle Plummer.","Barzee previously served as VP, Director of Finance since 2023, and as VP, Controller since April 2021.","Barzee is a CPA and formerly a Senior Manager at KPMG.","Barzee designated participant in Bank of Greene County SERP with 20-year vesting; 10% vested after 10 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219371,"accession_number":"0001140361-24-021236","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q3 net income drops 27% to $5.9M; EPS $0.34","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 FY2024: $5.9M ($0.34 per share) vs $8.1M ($0.48) a year ago.","Nine-month net income $18.0M ($1.06 per share) vs $24.3M ($1.43), down 25.9%.","Net interest margin fell to 1.90% from 2.43% due to higher deposit costs and inverted yield curve.","Total assets $2.9B and net loans $1.5B, both record highs; deposits up 4.9% to $2.6B.","Opened new Capital Region Banking Center in Albany, NY on March 19, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219370,"accession_number":"0001140361-24-020328","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-04-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.08 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.08 per share declared for quarter ended March 31, 2024.","Annual dividend rate stays at $0.32 per share, unchanged from previous quarter.","Record date: May 15, 2024; payable on May 30, 2024.","Majority owner Greene County Bancorp, MHC (54.1% shares) waives its dividend receipt.","MHC obtained Federal Reserve non-objection to waive dividends up to $0.46/share for four quarters ending June 30, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239202,"accession_number":"0001140361-24-003393","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports net income $12.2M for H1 FY2024, down 25% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $12.2M ($0.72 EPS) for six months ended Dec 31, 2023 vs $16.2M ($0.95 EPS) prior year.","Net interest income fell $5.9M to $25.9M; net interest margin 2.03% vs 2.57% a year ago.","Total assets hit record $2.7B; net loans record $1.4B, up 3.6% from June 30, 2023.","Deposits decreased $102.3M (4.2%) to $2.3B; brokered deposits increased to $64.1M.","Nonperforming loans stable at $5.6M; allowance for credit losses at 1.39% of total loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239201,"accession_number":"0001140361-24-002502","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-01-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Greene County Bancorp CFO/COO Michelle Plummer to retire July 31; Nick Barzee promoted to CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michelle Plummer, SEVP, CFO and COO, retires effective July 31, 2024; she will remain on the board.","Nick Barzee, currently VP/Director of Finance, appointed SVP and CFO effective August 1, 2024.","Barzee joined the company in 2021 as VP/Controller; previously a Senior Manager at KPMG.","Retirement is part of long-term succession planning; Plummer's departure is for personal pursuits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239200,"accession_number":"0001140361-24-002476","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2024-01-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.08 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.08 per share ($0.32 annual rate) declared for Q4 2023.","Payable February 28, 2024 to shareholders of record as of February 15, 2024.","Majority owner Greene County Bancorp, MHC is waiving its receipt of this dividend.","MHC received Fed non-objection to waive dividends up to $0.46 per share through June 30, 2024.","Dividend rate unchanged from the previous quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256710,"accession_number":"0001140361-23-051867","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Greene County Bancorp annual meeting results and slideshow posted","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Directors Peter W. Hogan (14,145,082 for) and Stephen E. Nelson (12,840,658 for) elected.","Bonadio & Co., LLP ratified as independent auditor with 15,658,664 votes for.","Non-binding advisory vote on executive compensation approved: 14,122,568 for.","Slideshow detailing financial performance and strategies available on company website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256709,"accession_number":"0001140361-23-049286","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q1 net income falls 28.4% to $6.5M; net interest margin narrows 46 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.5M ($0.38 EPS) vs $9.0M ($0.53 EPS) prior year, down 28.4%.","Net loans reached record $1.43B, up 2.9% from June 30; total assets $2.7B.","Net interest margin compressed to 2.12% from 2.58% YoY due to rising deposit costs.","CECL adoption day-one reduced retained earnings by $510k; provision for credit losses $457k.","Named to Piper Sandler Sm-All Stars Class of 2023 for seventh consecutive year."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256708,"accession_number":"0001140361-23-048752","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["5.04","9.01"],"status":"ready","headline":"Greene County Bancorp imposes trading blackout Nov 15 to Dec 18 for insiders due to 401(k) plan admin change","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Blackout period from Nov 15 to week of Dec 18, 2023, due to 401(k) plan administration transition from Pentegra to Empower.","Directors and executive officers prohibited from trading GCBC equity securities during blackout under Sarbanes-Oxley Act and SEC Reg BTR.","401(k) participants temporarily unable to check balances, transfer investments, or obtain withdrawals during blackout.","Exemptions include 10b5-1(c) trading plans not modified during blackout, and bona fide gifts or domestic relations transfers.","Violations can result in profit disgorgement and civil/criminal penalties; contact Mary Seely for questions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256707,"accession_number":"0001140361-23-048627","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.08 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.08 per share ($0.32 annualized), same rate as prior quarter.","Payable November 30, 2023 to shareholders of record November 15, 2023.","MHC (54.1% owner) waives dividend receipt; Fed non-objection to waive up to $0.46/share over four quarters.","No other material events reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274079,"accession_number":"0001140361-23-044254","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-09-18T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Greene County Bancorp MHC receives Fed nonobjection to waive dividends up to $0.46/share over four quarters","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["MHC (54.1% owner) received Fed nonobjection to waive Company dividends for quarters ending Sep 2023 through Jun 2024.","Waiver covers up to $0.46 per share total over the four quarters.","MHC previously disclosed intention to waive dividends; regulatory approval is a key step."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274078,"accession_number":"0001140361-23-035873","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports record FY net income of $30.8M, up 10% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY 2023 net income $30.8M ($1.81 EPS), up 10% from $28.0M ($1.64 EPS) in FY 2022.","Total assets $2.7B, deposits $2.4B (+10.1%), loans $1.4B (+12.9%) at June 30, 2023.","Net interest margin fell to 2.24% in Q4 2023 from 2.50% in Q4 2022 as deposit costs rose faster.","Loan loss provision: $1.1M benefit in FY 2023 vs $3.3M charge in FY 2022; nonperformers decreased.","Opened 18th branch in East Greenbush, NY, expanding into Rensselaer County."],"consensus_eps_estimate":null,"consensus_eps_actual":1.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274077,"accession_number":"0001140361-23-035178","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-07-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp raises quarterly dividend 14.3% to $0.08; MHC ends waiver","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.08 per share (annual $0.32), up 14.3% from $0.28.","Record date August 14, 2023; payable August 31, 2023.","Majority-owner MHC (54.1% of shares) will not waive dividend for Q ended June 30, citing cash flow and liquidity.","MHC previously waived dividends; this change affects ~$737K quarterly payout to MHC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291247,"accession_number":"0001140361-23-019375","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q3 net income $8.1M; nine-month record $24.3M, up 15% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.1M ($0.48/sh) for Q3; $24.3M ($1.43/sh) for nine months, both up ~15% YoY.","Net interest income rose to $15.2M (Q3) and $47.0M (nine months), up $1.1M and $4.1M YoY.","Total assets $2.7B (+6.1% vs June 2022); net loans $1.4B (+12.9%); deposits $2.5B (+11.7%).","Credit quality improved: nonperforming loans $4.7M (0.34% of loans) vs $6.3M; provision benefit of $1.2M.","ROAA 1.26% and ROAE 19.51% for nine months; capital remains strong."],"consensus_eps_estimate":null,"consensus_eps_actual":1.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291246,"accession_number":"0001140361-23-019158","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-04-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.07 quarterly dividend, unchanged after stock split","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.07 per share ($0.28 annual), payable May 31, 2023 to holders of record May 15, 2023.","Dividend rate unchanged from prior quarter on a post-split basis; pre-split quarterly was $0.14.","Majority owner MHC (54.1% stake) waives receipt of this dividend under existing approval.","No change in dividend policy; reflects 2-for-1 stock split distributed March 23, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312036,"accession_number":"0001140361-23-007790","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-02-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares 2-for-1 stock split; record date March 8, 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Two-for-one stock split in form of stock dividend approved by Board on Feb 21, 2023.","Record date: March 8, 2023; distribution after close on March 23, 2023.","Post-split shares outstanding: 17,026,828 on a split-adjusted basis.","CEO cites successful year and stock price increase as rationale for split."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312035,"accession_number":"0001140361-23-002283","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-01-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports record net income of $16.2M for H1 FY2023; EPS $1.91","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for six months ended Dec 31, 2022: $16.2M ($1.91 EPS), up 16% from $14.0M ($1.64 EPS) YoY; Q2 net income $7.2M ($0.85 EPS).","Total assets $2.6B; net loans grew 11.3% to $1.4B, led by $110M commercial real estate loans.","Provision for loan losses was a $255K benefit for six months vs $2.3M charge YoY; nonperforming loans fell to 0.39% of net loans.","Net interest margin narrowed 4 bps to 2.57% for six months due to higher deposit costs; noninterest expense included $1.2M litigation reserve.","Deposits grew 2.4% to $2.3B; shareholders' equity rose to $168.2M from $157.7M at June 30, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312034,"accession_number":"0001140361-23-001944","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2023-01-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.14 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.14 per share; annualized rate $0.56/share, same as previous quarter.","Dividend payable on February 27, 2023, to shareholders of record as of February 13, 2023.","Majority stockholder MHC (54.1% owner) continues to waive its receipt of this dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330623,"accession_number":"0001140361-22-040506","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-11-08T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Greene County Bancorp shareholders approve tripling authorized common shares to 36M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Authorized common shares increased from 12M to 36M; total capital stock from 13M to 37M.","All three director nominees elected with over 6.9M votes each (Gibson, Jenkins, Hada).","Ratification of Bonadio & Co. as independent auditor passed with 7.8M votes for.","Non-binding say-on-pay resolution approved with 7.0M votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330622,"accession_number":"0001140361-22-038022","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-10-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp Q1 net income $9.0M, EPS $1.06 (+27% YoY); Piper Sandler Sm-All Stars 6th year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.0M ($1.06 EPS) vs $7.1M ($0.84) prior year, up 27%.","Net interest income rose $1.4M to $15.8M; net interest margin compressed to 2.58% from 2.67%.","Provision for loan losses was a benefit of $499K vs charge of $988K year ago; nonperforming loans fell to $5.4M.","Loans grew $98.5M to $1.3B (8.0% QoQ); deposits rose $114.3M to $2.3B.","Named to Piper Sandler Sm-All Stars Class of 2022 for sixth consecutive year."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330621,"accession_number":"0001140361-22-037771","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-10-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp declares $0.14 quarterly dividend, unchanged from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.14 per share ($0.56 annualized), payable Nov 30, 2022 to holders of record Nov 15, 2022.","MHC, owning 54.1% of shares, will waive receipt of this dividend and has received regulatory non-objection.","Dividend rate unchanged from previous quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":348129,"accession_number":"0001140361-22-029977","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-08-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Greene County Bancorp increases phantom stock option pool from 5.8M to 8.0M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Effective Aug 16, 2022, phantom stock options available under the 2011 Plan increased by 2.2 million to 8.0 million.","This is the third amendment to the Plan; prior increases were in 2014, 2016 (stock split adjustment), and 2018.","The amendment was approved by the Board and signed by CEO Donald E. Gibson.","The additional options are available for future awards to eligible employees under the long-term incentive plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":348128,"accession_number":"0001140361-22-026856","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Greene County Bancorp reports record FY net income $28.0M; EPS $3.29; added to Russell 2000","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $28.0M for FY 2022 vs $23.9M in FY 2021 (+16.9%); diluted EPS $3.29 vs $2.81.","Total assets $2.6B (+16.9% YoY); deposits $2.2B; net loans $1.2B.","Provision for loan losses $3.3M (FY 2021: $4.0M); nonperforming loans $6.3M vs $2.3M.","Net interest income $58.0M (+9.2% YoY); net interest margin 2.53% vs 2.81%.","Added to Russell 2000 Index effective June 27, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":3.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":348127,"accession_number":"0001140361-22-026468","cik":1070524,"company_name":"GREENE COUNTY BANCORP INC","ticker":"GCBC","form_type":"8-K","filed_at":"2022-07-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Greene County Bancorp raises quarterly dividend to $0.14, a 7.7% annual increase","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.14 per share, annual rate of $0.56 (up from $0.52).","Record date August 15, 2022; payable August 31, 2022.","MHC, owning 54.1% of shares, will waive receipt of this dividend.","MHC received approval to waive dividends up to $0.60 per share for four quarters ending March 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":429893472.99999994,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-07-20T23:59:59+00:00|348127"}