Greene County Bancorp, Inc. — Earnings Quality Grade A
GCBC · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 79 days, change -1 days YoY
AR growth 14.8% vs revenue growth 16.1%
Revenue 16.1%, CFFO 12.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -54.1% vs revenue 16.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.90. Profits backed by cash
FCF $0.0B, FCF/NI = 0.88
Accruals ratio = 0.1%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Greene County Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25