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Side-by-side financial comparison of GREENE COUNTY BANCORP INC (GCBC) and JFB Construction Holdings (JFB). Click either name above to swap in a different company.
GREENE COUNTY BANCORP INC is the larger business by last-quarter revenue ($22.2M vs $16.0M, roughly 1.4× JFB Construction Holdings). GREENE COUNTY BANCORP INC runs the higher net margin — 46.3% vs -11.7%, a 58.1% gap on every dollar of revenue. GREENE COUNTY BANCORP INC produced more free cash flow last quarter ($6.2M vs $-9.1M).
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.
GCBC vs JFB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.2M | $16.0M |
| Net Profit | $10.3M | $-1.9M |
| Gross Margin | — | 4.3% |
| Operating Margin | 52.0% | -12.7% |
| Net Margin | 46.3% | -11.7% |
| Revenue YoY | 23.8% | — |
| Net Profit YoY | 37.4% | — |
| EPS (diluted) | $0.60 | $0.06 |
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 | $22.2M | $16.0M | ||
| Q3 25 | $21.5M | $5.0M | ||
| Q2 25 | $20.5M | $3.7M | ||
| Q1 25 | $20.1M | $5.9M | ||
| Q4 24 | $17.9M | — | ||
| Q3 24 | $16.9M | — | ||
| Q2 24 | $16.6M | — | ||
| Q1 24 | $15.7M | — |
| Q4 25 | $10.3M | $-1.9M | ||
| Q3 25 | $8.9M | $-1.1M | ||
| Q2 25 | $9.3M | $-2.4M | ||
| Q1 25 | $8.1M | $30.3K | ||
| Q4 24 | $7.5M | — | ||
| Q3 24 | $6.3M | — | ||
| Q2 24 | $6.7M | — | ||
| Q1 24 | $5.9M | — |
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 14.9% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 24.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 52.0% | -12.7% | ||
| Q3 25 | 47.4% | -22.6% | ||
| Q2 25 | 53.5% | -67.2% | ||
| Q1 25 | 44.6% | -0.5% | ||
| Q4 24 | 45.0% | — | ||
| Q3 24 | 39.6% | — | ||
| Q2 24 | 41.2% | — | ||
| Q1 24 | 39.4% | — |
| Q4 25 | 46.3% | -11.7% | ||
| Q3 25 | 41.2% | -21.3% | ||
| Q2 25 | 45.6% | -64.3% | ||
| Q1 25 | 40.1% | 0.5% | ||
| Q4 24 | 41.7% | — | ||
| Q3 24 | 37.1% | — | ||
| Q2 24 | 40.6% | — | ||
| Q1 24 | 37.3% | — |
| Q4 25 | $0.60 | $0.06 | ||
| Q3 25 | $0.52 | $-0.11 | ||
| Q2 25 | $0.55 | $-0.26 | ||
| Q1 25 | $0.47 | $0.00 | ||
| Q4 24 | $0.44 | — | ||
| Q3 24 | $0.37 | — | ||
| Q2 24 | $0.39 | — | ||
| Q1 24 | $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 | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $258.3M | $37.8M |
| Total Assets | $3.1B | $40.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $155.5M | — | ||
| Q4 24 | $166.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $190.4M | — | ||
| Q1 24 | — | — |
| Q4 25 | $258.3M | $37.8M | ||
| Q3 25 | $248.2M | $11.6M | ||
| Q2 25 | $238.8M | $10.1M | ||
| Q1 25 | $229.0M | $11.0M | ||
| Q4 24 | $218.4M | — | ||
| Q3 24 | $216.3M | — | ||
| Q2 24 | $206.0M | — | ||
| Q1 24 | $199.2M | — |
| Q4 25 | $3.1B | $40.0M | ||
| Q3 25 | $3.1B | $14.0M | ||
| Q2 25 | $3.0B | $12.0M | ||
| Q1 25 | $3.0B | $13.3M | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.9B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $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 | $6.4M | $-9.0M |
| Free Cash FlowOCF − Capex | $6.2M | $-9.1M |
| FCF MarginFCF / Revenue | 28.0% | -57.2% |
| Capex IntensityCapex / Revenue | 0.9% | 1.1% |
| Cash ConversionOCF / Net Profit | 0.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | $47.3M | $-12.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.4M | $-9.0M | ||
| Q3 25 | $7.0M | $-719.0K | ||
| Q2 25 | $28.0M | $-2.5M | ||
| Q1 25 | $7.3M | $392.8K | ||
| Q4 24 | $5.3M | — | ||
| Q3 24 | $2.1M | — | ||
| Q2 24 | $24.9M | — | ||
| Q1 24 | $5.6M | — |
| Q4 25 | $6.2M | $-9.1M | ||
| Q3 25 | $6.5M | $-730.9K | ||
| Q2 25 | $27.3M | $-2.5M | ||
| Q1 25 | $7.3M | $347.0K | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $2.0M | — | ||
| Q2 24 | $23.4M | — | ||
| Q1 24 | $4.9M | — |
| Q4 25 | 28.0% | -57.2% | ||
| Q3 25 | 30.4% | -14.7% | ||
| Q2 25 | 133.3% | -68.0% | ||
| Q1 25 | 36.1% | 5.9% | ||
| Q4 24 | 28.6% | — | ||
| Q3 24 | 11.8% | — | ||
| Q2 24 | 141.2% | — | ||
| Q1 24 | 31.3% | — |
| Q4 25 | 0.9% | 1.1% | ||
| Q3 25 | 1.9% | 0.2% | ||
| Q2 25 | 3.4% | 0.0% | ||
| Q1 25 | 0.3% | 0.8% | ||
| Q4 24 | 1.0% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 9.1% | — | ||
| Q1 24 | 4.2% | — |
| Q4 25 | 0.62× | — | ||
| Q3 25 | 0.78× | — | ||
| Q2 25 | 3.00× | — | ||
| Q1 25 | 0.91× | 12.96× | ||
| 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.
Revenue Breakdown by Segment
GCBC
Segment breakdown not available.
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
