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Side-by-side financial comparison of GREENE COUNTY BANCORP INC (GCBC) and Zeo Energy Corp. (ZEO). 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 $18.6M, roughly 1.2× Zeo Energy Corp.). GREENE COUNTY BANCORP INC runs the higher net margin — 46.3% vs -10.8%, a 57.1% gap on every dollar of revenue. On growth, GREENE COUNTY BANCORP INC posted the faster year-over-year revenue change (23.8% vs -0.4%). GREENE COUNTY BANCORP INC produced more free cash flow last quarter ($6.2M vs $2.3M). Over the past eight quarters, GREENE COUNTY BANCORP INC's revenue compounded faster (18.9% CAGR vs -4.0%).
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 ZEO — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.2M | $18.6M |
| Net Profit | $10.3M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 52.0% | -11.8% |
| Net Margin | 46.3% | -10.8% |
| Revenue YoY | 23.8% | -0.4% |
| Net Profit YoY | 37.4% | -360.9% |
| EPS (diluted) | $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 | $22.2M | $18.6M | ||
| Q3 25 | $21.5M | $23.9M | ||
| Q2 25 | $20.5M | $18.1M | ||
| Q1 25 | $20.1M | $8.8M | ||
| Q4 24 | $17.9M | $18.6M | ||
| Q3 24 | $16.9M | $19.7M | ||
| Q2 24 | $16.6M | $14.8M | ||
| Q1 24 | $15.7M | $20.1M |
| Q4 25 | $10.3M | $-2.0M | ||
| Q3 25 | $8.9M | $-3.2M | ||
| Q2 25 | $9.3M | $-2.4M | ||
| Q1 25 | $8.1M | $-6.4M | ||
| Q4 24 | $7.5M | $-435.3K | ||
| Q3 24 | $6.3M | $-424.3K | ||
| Q2 24 | $6.7M | $-277.8K | ||
| Q1 24 | $5.9M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 52.0% | -11.8% | ||
| Q3 25 | 47.4% | -8.3% | ||
| Q2 25 | 53.5% | -15.8% | ||
| Q1 25 | 44.6% | -153.8% | ||
| Q4 24 | 45.0% | -6.0% | ||
| Q3 24 | 39.6% | -15.2% | ||
| Q2 24 | 41.2% | -18.0% | ||
| Q1 24 | 39.4% | -20.1% |
| Q4 25 | 46.3% | -10.8% | ||
| Q3 25 | 41.2% | -13.5% | ||
| Q2 25 | 45.6% | -13.3% | ||
| Q1 25 | 40.1% | -72.4% | ||
| Q4 24 | 41.7% | -2.3% | ||
| Q3 24 | 37.1% | -2.2% | ||
| Q2 24 | 40.6% | -1.9% | ||
| Q1 24 | 37.3% | -7.6% |
| Q4 25 | $0.60 | — | ||
| Q3 25 | $0.52 | — | ||
| Q2 25 | $0.55 | — | ||
| Q1 25 | $0.47 | $-0.48 | ||
| Q4 24 | $0.44 | $1.11 | ||
| Q3 24 | $0.37 | $-0.08 | ||
| Q2 24 | $0.39 | $0.03 | ||
| Q1 24 | $0.34 | $-1.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $258.3M | $5.3M |
| Total Assets | $3.1B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.1M | ||
| Q3 25 | — | $3.9M | ||
| Q2 25 | — | $68.7K | ||
| Q1 25 | $155.5M | $2.9M | ||
| Q4 24 | $166.4M | $5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | $190.4M | $5.3M | ||
| Q1 24 | — | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $258.3M | $5.3M | ||
| Q3 25 | $248.2M | $-1.7M | ||
| Q2 25 | $238.8M | $-59.4M | ||
| Q1 25 | $229.0M | $-23.1M | ||
| Q4 24 | $218.4M | $-88.9M | ||
| Q3 24 | $216.3M | $-39.3M | ||
| Q2 24 | $206.0M | $-53.0M | ||
| Q1 24 | $199.2M | $-173.0M |
| Q4 25 | $3.1B | $56.9M | ||
| Q3 25 | $3.1B | $58.5M | ||
| Q2 25 | $3.0B | $46.2M | ||
| Q1 25 | $3.0B | $47.4M | ||
| Q4 24 | $3.0B | $61.0M | ||
| Q3 24 | $2.9B | $47.1M | ||
| Q2 24 | $2.8B | $49.1M | ||
| Q1 24 | $2.9B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $6.2M | $2.3M |
| FCF MarginFCF / Revenue | 28.0% | 12.2% |
| Capex IntensityCapex / Revenue | 0.9% | 0.9% |
| Cash ConversionOCF / Net Profit | 0.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | $47.3M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.4M | $2.4M | ||
| Q3 25 | $7.0M | $-6.6M | ||
| Q2 25 | $28.0M | $-2.3M | ||
| Q1 25 | $7.3M | $-2.3M | ||
| Q4 24 | $5.3M | $3.5M | ||
| Q3 24 | $2.1M | $162.2K | ||
| Q2 24 | $24.9M | $-2.2M | ||
| Q1 24 | $5.6M | $-10.2M |
| Q4 25 | $6.2M | $2.3M | ||
| Q3 25 | $6.5M | $-6.8M | ||
| Q2 25 | $27.3M | $-2.7M | ||
| Q1 25 | $7.3M | $-2.6M | ||
| Q4 24 | $5.1M | $3.4M | ||
| Q3 24 | $2.0M | $116.5K | ||
| Q2 24 | $23.4M | $-2.3M | ||
| Q1 24 | $4.9M | $-10.4M |
| Q4 25 | 28.0% | 12.2% | ||
| Q3 25 | 30.4% | -28.6% | ||
| Q2 25 | 133.3% | -15.0% | ||
| Q1 25 | 36.1% | -30.0% | ||
| Q4 24 | 28.6% | 18.2% | ||
| Q3 24 | 11.8% | 0.6% | ||
| Q2 24 | 141.2% | -15.6% | ||
| Q1 24 | 31.3% | -51.5% |
| Q4 25 | 0.9% | 0.9% | ||
| Q3 25 | 1.9% | 1.0% | ||
| Q2 25 | 3.4% | 2.4% | ||
| Q1 25 | 0.3% | 4.2% | ||
| Q4 24 | 1.0% | 0.5% | ||
| Q3 24 | 0.9% | 0.2% | ||
| Q2 24 | 9.1% | 0.7% | ||
| Q1 24 | 4.2% | 1.1% |
| 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.
Revenue Breakdown by Segment
GCBC
Segment breakdown not available.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
