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Side-by-side financial comparison of Expensify, Inc. (EXFY) and GREENE COUNTY BANCORP INC (GCBC). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $22.2M, roughly 1.6× GREENE COUNTY BANCORP INC). On growth, GREENE COUNTY BANCORP INC posted the faster year-over-year revenue change (23.8% vs -4.9%). Over the past eight quarters, GREENE COUNTY BANCORP INC's revenue compounded faster (18.9% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
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.
EXFY vs GCBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $22.2M |
| Net Profit | — | $10.3M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 52.0% |
| Net Margin | — | 46.3% |
| Revenue YoY | -4.9% | 23.8% |
| Net Profit YoY | — | 37.4% |
| EPS (diluted) | $-0.07 | $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 | $35.2M | $22.2M | ||
| Q3 25 | $35.1M | $21.5M | ||
| Q2 25 | $35.8M | $20.5M | ||
| Q1 25 | $36.1M | $20.1M | ||
| Q4 24 | $37.0M | $17.9M | ||
| Q3 24 | $35.4M | $16.9M | ||
| Q2 24 | $33.3M | $16.6M | ||
| Q1 24 | $33.5M | $15.7M |
| Q4 25 | — | $10.3M | ||
| Q3 25 | $-2.3M | $8.9M | ||
| Q2 25 | $-8.8M | $9.3M | ||
| Q1 25 | $-3.2M | $8.1M | ||
| Q4 24 | — | $7.5M | ||
| Q3 24 | $-2.2M | $6.3M | ||
| Q2 24 | $-2.8M | $6.7M | ||
| Q1 24 | $-3.8M | $5.9M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 52.0% | ||
| Q3 25 | -6.4% | 47.4% | ||
| Q2 25 | -28.9% | 53.5% | ||
| Q1 25 | -4.1% | 44.6% | ||
| Q4 24 | 1.3% | 45.0% | ||
| Q3 24 | 0.8% | 39.6% | ||
| Q2 24 | 0.7% | 41.2% | ||
| Q1 24 | -5.3% | 39.4% |
| Q4 25 | — | 46.3% | ||
| Q3 25 | -6.6% | 41.2% | ||
| Q2 25 | -24.6% | 45.6% | ||
| Q1 25 | -8.8% | 40.1% | ||
| Q4 24 | — | 41.7% | ||
| Q3 24 | -6.2% | 37.1% | ||
| Q2 24 | -8.3% | 40.6% | ||
| Q1 24 | -11.3% | 37.3% |
| Q4 25 | $-0.07 | $0.60 | ||
| Q3 25 | $-0.03 | $0.52 | ||
| Q2 25 | $-0.10 | $0.55 | ||
| Q1 25 | $-0.03 | $0.47 | ||
| Q4 24 | $-0.03 | $0.44 | ||
| Q3 24 | $-0.02 | $0.37 | ||
| Q2 24 | $-0.03 | $0.39 | ||
| Q1 24 | $-0.04 | $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 | $63.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $258.3M |
| Total Assets | $186.0M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | $155.5M | ||
| Q4 24 | $48.8M | $166.4M | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | $190.4M | ||
| Q1 24 | $49.3M | — |
| Q4 25 | $132.7M | $258.3M | ||
| Q3 25 | $135.7M | $248.2M | ||
| Q2 25 | $131.8M | $238.8M | ||
| Q1 25 | $134.7M | $229.0M | ||
| Q4 24 | $128.2M | $218.4M | ||
| Q3 24 | $119.9M | $216.3M | ||
| Q2 24 | $114.0M | $206.0M | ||
| Q1 24 | $106.5M | $199.2M |
| Q4 25 | $186.0M | $3.1B | ||
| Q3 25 | $186.8M | $3.1B | ||
| Q2 25 | $187.1M | $3.0B | ||
| Q1 25 | $189.2M | $3.0B | ||
| Q4 24 | $173.7M | $3.0B | ||
| Q3 24 | $176.2M | $2.9B | ||
| Q2 24 | $192.9M | $2.8B | ||
| Q1 24 | $184.8M | $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 | $2.2M | $6.4M |
| Free Cash FlowOCF − Capex | — | $6.2M |
| FCF MarginFCF / Revenue | — | 28.0% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 0.62× |
| TTM Free Cash FlowTrailing 4 quarters | — | $47.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $6.4M | ||
| Q3 25 | $4.2M | $7.0M | ||
| Q2 25 | $8.9M | $28.0M | ||
| Q1 25 | $4.8M | $7.3M | ||
| Q4 24 | $7.4M | $5.3M | ||
| Q3 24 | $3.7M | $2.1M | ||
| Q2 24 | $9.3M | $24.9M | ||
| Q1 24 | $3.5M | $5.6M |
| Q4 25 | — | $6.2M | ||
| Q3 25 | — | $6.5M | ||
| Q2 25 | — | $27.3M | ||
| Q1 25 | — | $7.3M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $2.0M | ||
| Q2 24 | — | $23.4M | ||
| Q1 24 | — | $4.9M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 30.4% | ||
| Q2 25 | — | 133.3% | ||
| Q1 25 | — | 36.1% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 141.2% | ||
| Q1 24 | — | 31.3% |
| Q4 25 | — | 0.9% | ||
| Q3 25 | 0.0% | 1.9% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | 0.0% | 1.0% | ||
| Q3 24 | 0.0% | 0.9% | ||
| Q2 24 | 0.0% | 9.1% | ||
| Q1 24 | 0.0% | 4.2% |
| Q4 25 | — | 0.62× | ||
| Q3 25 | — | 0.78× | ||
| Q2 25 | — | 3.00× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.71× | ||
| Q3 24 | — | 0.34× | ||
| Q2 24 | — | 3.70× | ||
| Q1 24 | — | 0.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
