First National vs Greene County Bancorp
First National and Greene County Bancorp are similar in size: $90.3m and $92.6m of revenue in their latest fiscal years. First National grew faster (31.1% against 22.9%). Greene County Bancorp kept more of each dollar of sales as profit: a net margin of 44.3% against 19.6%.
| Latest fiscal year | First NationalFXNC, 2025 | Greene County BancorpGCBC, 2026 |
|---|---|---|
| Revenue | $90.3m | $92.6m |
| Revenue growth | 31.1% | 22.9% |
| Net income | $17.7m | $41.0m |
| Operating margin | — | — |
| Net margin | 19.6% | 44.3% |
| Return on equity | 10.0% | 15.9% |
| Free cash flow | $20.9m | $41.6m |
| Cash | $161m | $145m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.64 | — |
| Dividend yield | 2.0% | 0.7% |
| Share buybacks | — | $32,000 |
| Employees | 308 | 203 |
| Market value | $277m | $616m |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | 79 (Strong) |
| Insider trades, 12 months | 1 buys, 0 sales | 0 buys, 0 sales |