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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and GREENE COUNTY BANCORP INC (GCBC). Click either name above to swap in a different company.
GREENE COUNTY BANCORP INC is the larger business by last-quarter revenue ($19.1M vs $8.3M, roughly 2.3× Affinity Bancshares, Inc.). GREENE COUNTY BANCORP INC runs the higher net margin — 54.0% vs 25.8%, a 28.2% gap on every dollar of revenue. On growth, GREENE COUNTY BANCORP INC posted the faster year-over-year revenue change (35.5% vs 11.0%). GREENE COUNTY BANCORP INC produced more free cash flow last quarter ($6.2M vs $2.2M). Over the past eight quarters, GREENE COUNTY BANCORP INC's revenue compounded faster (24.5% CAGR vs 10.6%).
Bank of Greene County is an American federally-chartered savings bank headquartered in Catskill, NY. The bank's branches are located in the Upstate New York counties of Greene, Columbia, Albany, Ulster, and Rensselaer.
AFBI vs GCBC — Head-to-Head
Income Statement — Q4 2025 vs Q2 2026
| Metric | | |
|---|---|---|
| Revenue | $8.3M | $19.1M |
| Net Profit | $2.1M | $10.3M |
| Gross Margin | — | — |
| Operating Margin | 37.3% | 60.6% |
| Net Margin | 25.8% | 54.0% |
| Revenue YoY | 11.0% | 35.5% |
| Net Profit YoY | 58.5% | 37.4% |
| EPS (diluted) | $0.34 | $0.60 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.3M | $19.1M | ||
| Q3 25 | $7.8M | $17.5M | ||
| Q2 25 | $7.8M | $16.7M | ||
| Q1 25 | $7.3M | $16.2M | ||
| Q4 24 | $7.4M | $14.1M | ||
| Q3 24 | $7.4M | $13.1M | ||
| Q2 24 | $7.6M | $12.9M | ||
| Q1 24 | $6.7M | $12.3M |
| Q4 25 | $2.1M | $10.3M | ||
| Q3 25 | $2.2M | $8.9M | ||
| Q2 25 | $2.2M | $9.3M | ||
| Q1 25 | $1.8M | $8.1M | ||
| Q4 24 | $1.3M | $7.5M | ||
| Q3 24 | $1.7M | $6.3M | ||
| Q2 24 | $1.0M | $6.7M | ||
| Q1 24 | $1.3M | $5.9M |
| Q4 25 | 37.3% | 60.6% | ||
| Q3 25 | 37.5% | 58.2% | ||
| Q2 25 | 36.4% | 65.6% | ||
| Q1 25 | 32.8% | 55.2% | ||
| Q4 24 | 21.5% | 57.4% | ||
| Q3 24 | 30.7% | 50.9% | ||
| Q2 24 | 17.7% | 53.1% | ||
| Q1 24 | 26.1% | 50.3% |
| Q4 25 | 25.8% | 54.0% | ||
| Q3 25 | 28.5% | 50.6% | ||
| Q2 25 | 27.7% | 55.9% | ||
| Q1 25 | 25.0% | 49.7% | ||
| Q4 24 | 18.1% | 53.2% | ||
| Q3 24 | 23.3% | 47.7% | ||
| Q2 24 | 13.6% | 52.4% | ||
| Q1 24 | 19.8% | 47.7% |
| Q4 25 | $0.34 | $0.60 | ||
| Q3 25 | $0.34 | $0.52 | ||
| Q2 25 | $0.33 | $0.55 | ||
| Q1 25 | $0.28 | $0.47 | ||
| Q4 24 | $0.21 | $0.44 | ||
| Q3 24 | $0.26 | $0.37 | ||
| Q2 24 | $0.16 | $0.39 | ||
| Q1 24 | $0.20 | $0.34 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $258.3M |
| Total Assets | $881.7M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | — | ||
| Q3 25 | $84.8M | — | ||
| Q2 25 | $89.7M | — | ||
| Q1 25 | $74.7M | $155.5M | ||
| Q4 24 | $41.4M | $166.4M | ||
| Q3 24 | $52.3M | — | ||
| Q2 24 | $50.4M | $190.4M | ||
| Q1 24 | $61.4M | — |
| Q4 25 | $127.0M | $258.3M | ||
| Q3 25 | $125.4M | $248.2M | ||
| Q2 25 | $124.1M | $238.8M | ||
| Q1 25 | $122.3M | $229.0M | ||
| Q4 24 | $129.1M | $218.4M | ||
| Q3 24 | $128.4M | $216.3M | ||
| Q2 24 | $125.1M | $206.0M | ||
| Q1 24 | $123.3M | $199.2M |
| Q4 25 | $881.7M | $3.1B | ||
| Q3 25 | $925.2M | $3.1B | ||
| Q2 25 | $933.8M | $3.0B | ||
| Q1 25 | $912.5M | $3.0B | ||
| Q4 24 | $866.8M | $3.0B | ||
| Q3 24 | $878.6M | $2.9B | ||
| Q2 24 | $873.6M | $2.8B | ||
| Q1 24 | $869.5M | $2.9B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.3M | $6.4M |
| Free Cash FlowOCF − Capex | $2.2M | $6.2M |
| FCF MarginFCF / Revenue | 26.3% | 32.6% |
| Capex IntensityCapex / Revenue | 1.1% | 1.1% |
| Cash ConversionOCF / Net Profit | 1.06× | 0.62× |
| TTM Free Cash FlowTrailing 4 quarters | $11.2M | $32.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $6.4M | ||
| Q3 25 | $3.7M | $7.0M | ||
| Q2 25 | $3.8M | $13.2M | ||
| Q1 25 | $1.9M | $7.3M | ||
| Q4 24 | $865.0K | $5.3M | ||
| Q3 24 | $4.1M | $2.1M | ||
| Q2 24 | $619.0K | $11.1M | ||
| Q1 24 | $1.2M | $5.6M |
| Q4 25 | $2.2M | $6.2M | ||
| Q3 25 | $3.6M | $6.5M | ||
| Q2 25 | $3.7M | $12.9M | ||
| Q1 25 | $1.8M | $7.3M | ||
| Q4 24 | $842.0K | $5.1M | ||
| Q3 24 | $4.0M | $2.0M | ||
| Q2 24 | $489.0K | $10.9M | ||
| Q1 24 | $1.1M | $4.9M |
| Q4 25 | 26.3% | 32.6% | ||
| Q3 25 | 46.6% | 37.4% | ||
| Q2 25 | 47.1% | 77.3% | ||
| Q1 25 | 24.2% | 44.7% | ||
| Q4 24 | 11.3% | 36.5% | ||
| Q3 24 | 53.3% | 15.2% | ||
| Q2 24 | 6.5% | 84.5% | ||
| Q1 24 | 16.1% | 40.0% |
| Q4 25 | 1.1% | 1.1% | ||
| Q3 25 | 0.9% | 2.3% | ||
| Q2 25 | 1.5% | 1.8% | ||
| Q1 25 | 2.0% | 0.3% | ||
| Q4 24 | 0.3% | 1.3% | ||
| Q3 24 | 1.8% | 1.2% | ||
| Q2 24 | 1.7% | 1.5% | ||
| Q1 24 | 2.0% | 5.4% |
| Q4 25 | 1.06× | 0.62× | ||
| Q3 25 | 1.66× | 0.78× | ||
| Q2 25 | 1.75× | 1.42× | ||
| Q1 25 | 1.05× | 0.91× | ||
| Q4 24 | 0.64× | 0.71× | ||
| Q3 24 | 2.36× | 0.34× | ||
| Q2 24 | 0.60× | 1.64× | ||
| Q1 24 | 0.91× | 0.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
