GOVBOTCSavings Institutions, Not Federally CharteredFiscal year ends September 30
Gouverneur Bancorp, Inc./MD/
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$20.93+0.07 (+0.34%)
Close on Oct 19, 2026
- Market cap
- $21.62M
- P/E (TTM)
- 21.8
- Dividend yield
- 0.76%
Gouverneur Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Market Cap | $22.16M | $679.86M |
| Enterprise Value | $15.82M | $408.94M |
| PE Ratio | 21.80 | 12.00 |
| PS Ratio | 2.59 | 3.61 |
| PB Ratio | 0.68 | 1.18 |
| P/TBV Ratio | 0.81 | 1.41 |
| P/FCF Ratio | 29.01 | 10.93 |
| P/OCF Ratio | 19.01 | 10.04 |
Enterprise value
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| EV / Sales | 1.85 | 2.78 |
| EV / FCF | 20.71 | 8.25 |
Income (trailing twelve months)
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Revenue | $8.55M | $170.85M |
| Pretax Income | $1.05M | $70.12M |
| Net Income | $981.00K | $54.33M |
| EPS (Diluted) | $0.96 | $2.90 |
Margins
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 12.2% | 36.4% |
| Profit Margin | 11.5% | 29.1% |
| FCF Margin | 8.94% | 33.0% |
Returns
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 3.06% | 10.5% |
| Return on Assets (ROA) | 0.50% | 1.12% |
Growth
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 6.15% | 11.8% |
| Net Income Growth (YoY) | 55.5% | 23.1% |
| EPS Growth (YoY) | 57.4% | 22.7% |
| FCF Growth (YoY) | -8.72% | 27.1% |
| Revenue Growth (3Y CAGR) | 5.01% | 5.82% |
| EPS Growth (3Y CAGR) | -1.35% | 1.26% |
Balance sheet
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $6.34M | $205.54M |
| Net Cash (Debt) | $6.34M | $164.40M |
| Net Cash Per Share | $5.99 | $8.13 |
| Equity (Book Value) | $32.75M | $560.44M |
| Book Value Per Share | $30.93 | $28.47 |
| Tangible Book Value | $27.46M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $1.17M | $61.20M |
| Capital Expenditures | -$402.00K | -$4.02M |
| Free Cash Flow | $764.00K | $52.43M |
| FCF Per Share | $0.72 | $3.07 |
Efficiency
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $231.00K | $353.78K |
| Profits Per Employee | $26.51K | $107.28K |
| Employee Count | 37 | 489 |
Dividends and yields
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 4.43% | 8.07% |
| FCF Yield | 3.45% | 8.89% |
| Dividend Yield | 0.76% | 2.48% |
| Buyback Yield | 1.46% | 1.55% |
| Shareholder Yield | 2.23% | 3.13% |
| Dividend Per Share | $0.16 | $0.93 |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 19.6% | 29.4% |
| FCF Payout Ratio | 25.1% | 26.0% |
Shares
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 1,058,920 | 18,839,100 |
| Shares Change (YoY) | -1.18% | 0.39% |
| Shares Change (QoQ) | -0.16% | 0.00% |
| Float | 842,621 | 17,061,900 |
| Shares Held by Insiders | 20.4% | 5.89% |
Taxes
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Income Tax | $64.00K | $14.50M |
| Effective Tax Rate | 6.12% | 21.1% |
Scores
| Measure | Gouverneur Bancorp | Industry median |
|---|---|---|
| Graham Number | $25.85 | $45.31 |
| Graham Upside | 23.5% | 21.6% |
| Altman Z-Score | 0.33 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Gouverneur Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.