Gouverneur Bancorp Inc Financials

GOVB

Source SEC Filings (10-K/10-Q) Updated Feb 12, 2026 Currency USD FYE September

This page shows Gouverneur Bancorp Inc (GOVB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 20/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Gouverneur Bancorp Inc's revenue grew a modest 1.2% year-over-year to $8.7M. This slow but positive growth earns a score of 32/100.

Leverage

Gouverneur Bancorp Inc has elevated debt relative to equity (D/E of 5.18), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Gouverneur Bancorp Inc has a free cash flow margin of 7.5%, earning a moderate score of 38/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Gouverneur Bancorp Inc generates a 2.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is up from 1.7% the prior year.

Piotroski F-Score Neutral

6/9

Gouverneur Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.13x

For every $1 of reported earnings, Gouverneur Bancorp Inc generates $1.13 in operating cash flow ($830K OCF vs $733K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$8.7M

YoY+1.2%

Gouverneur Bancorp Inc generated $8.7M in revenue in fiscal year 2025. This represents an increase of 1.2% from the prior year.

EBITDA

N/A

Free Cash Flow

$653K

YoY+121.2%

Gouverneur Bancorp Inc generated $653K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 121.2% from the prior year.

Net Income

$733K

YoY+36.0%

Gouverneur Bancorp Inc reported $733K in net income in fiscal year 2025. This represents an increase of 36.0% from the prior year.

EPS (Diluted)

$0.72

YoY+41.2%

Gouverneur Bancorp Inc earned $0.72 per diluted share (EPS) in fiscal year 2025. This represents an increase of 41.2% from the prior year.

Cash & Debt

$4.7M

YoY-26.9%

Gouverneur Bancorp Inc held $4.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.16

Gouverneur Bancorp Inc paid $0.16 per share in dividends in fiscal year 2025.

Shares Outstanding

YoY-5.1%

Gouverneur Bancorp Inc had 1M shares outstanding in fiscal year 2025. This represents a decrease of 5.1% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.5%

YoY+2.2pp

Gouverneur Bancorp Inc's net profit margin was 8.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.2 percentage points from the prior year.

Return on Equity

2.3%

YoY+0.6pp

Gouverneur Bancorp Inc's ROE was 2.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$701K

Gouverneur Bancorp Inc spent $701K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$177K

YoY+80.6%

Gouverneur Bancorp Inc invested $177K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 80.6% from the prior year.

GOVB Income Statement

Metric	FY25	FY24	FY23	FY22
Revenue	$8.7M+1.2%	$8.6M+4.9%	$8.2M+79.5%	$4.5M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$1.5M+7.1%	$1.4M+148.8%	$570K+112.7%	$268K
Income Tax	$60K+195.2%	-$63K+25.0%	-$84K-121.4%	$392K
Net Income	$733K+36.0%	$539K+70.0%	$317K-79.2%	$1.5M
EPS (Diluted)	$0.72+41.2%	$0.51+218.8%	$0.16-78.7%	$0.75

Metric	Q1'26	Q1'25	Q3'25	Q2'25	Q1'24	Q3'24	Q2'24	Q1'23
Revenue	$2K-99.9%	$2.2M+3.2%	$2.2M+1.5%	$2.1M-1.3%	$2.2M+1.0%	$2.1M0.0%	$2.1M+0.8%	$2.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$411-99.9%	$411K+14.2%	$360K-7.7%	$390K-2.7%	$401K+3.6%	$387K+14.8%	$337K+4.0%	$324K
Income Tax	$20-99.9%	$20K-60.8%	$51K+418.8%	-$16K-1500.0%	-$1K+80.0%	-$5K+70.6%	-$17K0.0%	-$17K
Net Income	$287-99.9%	$287K+32.3%	$217K+83.9%	$118K-26.3%	$160K-12.6%	$183K+79.4%	$102K-13.6%	$118K
EPS (Diluted)	$0.280.0%	$0.28+27.3%	$0.22+100.0%	$0.11-26.7%	$0.15-11.8%	$0.17+70.0%	$0.10-9.1%	$0.11

GOVB Balance Sheet

Metric	FY25	FY24	FY23	FY22
Total Assets	$198.5M+0.6%	$197.3M-4.2%	$205.9M-3.3%	$213.0M
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.7M-26.9%	$6.4M-38.8%	$10.4M-27.4%	$14.3M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	$4.2M0.0%	$4.2M0.0%	$4.2M+7.1%	$4.0M
Total Liabilities	$166.4M+1.2%	$164.5M-9.0%	$180.8M-3.9%	$188.2M
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$32.1M-2.0%	$32.8M+30.5%	$25.1M+1.1%	$24.8M
Retained Earnings	$29.0M+2.0%	$28.4M+0.6%	$28.2M+0.4%	$28.1M

Metric	Q1'26	Q1'25	Q3'25	Q2'25	Q1'24	Q3'24	Q2'24	Q1'23
Total Assets	$202K-99.9%	$201.9M+2.6%	$196.7M-0.3%	$197.4M+0.3%	$196.8M-0.2%	$197.3M-3.2%	$203.7M-0.6%	$204.9M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$5K-99.9%	$4.7M-34.6%	$7.2M-8.5%	$7.9M+12.3%	$7.0M+10.1%	$6.4M-37.0%	$10.1M+25.2%	$8.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4K-99.9%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M
Total Liabilities	$169K-99.9%	$169.3M+2.4%	$165.3M-0.4%	$166.0M+0.6%	$165.0M+0.3%	$164.5M-4.3%	$172.0M-0.5%	$172.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$33K-99.9%	$32.6M+3.9%	$31.4M+0.1%	$31.4M-1.2%	$31.7M-3.1%	$32.8M+3.2%	$31.7M-1.0%	$32.1M
Retained Earnings	$29K-99.9%	$29.2M+1.5%	$28.7M+0.5%	$28.6M+0.4%	$28.5M+0.2%	$28.4M+1.1%	$28.1M+0.4%	$28.0M

GOVB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22
Operating Cash Flow	$830K+127.9%	-$3.0M-152.5%	$5.7M+325.9%	-$2.5M
Capital Expenditures	$177K+80.6%	$98K-38.8%	$160K-14.9%	$188K
Free Cash Flow	$653K+121.2%	-$3.1M-155.8%	$5.5M+304.3%	-$2.7M
Investing Cash Flow	-$3.6M-152.1%	$6.8M+286.2%	$1.8M+3787.5%	-$48K
Financing Cash Flow	$1.0M+112.9%	-$7.9M+30.6%	-$11.4M-294.4%	$5.9M
Dividends Paid	$174K	N/A	$203K+75.0%	$116K
Share Buybacks	$701K	N/A	N/A	N/A

Metric	Q1'26	Q1'25	Q3'25	Q2'25	Q1'24	Q3'24	Q2'24	Q1'23
Operating Cash Flow	$459-99.9%	$459K-36.9%	$727K+266.7%	-$436K-228.2%	$340K+7.9%	$315K+1000.0%	-$35K+99.0%	-$3.5M
Capital Expenditures	$14-99.9%	$14K-57.6%	$33K+371.4%	$7K-89.2%	$65K+1525.0%	$4K+500.0%	-$1K-114.3%	$7K
Free Cash Flow	$445-99.9%	$445K-35.9%	$694K+256.7%	-$443K-261.1%	$275K-11.6%	$311K+963.9%	-$36K+99.0%	-$3.5M
Investing Cash Flow	$3K+100.1%	-$3.0M-756.0%	$455K-12.3%	$519K+318.1%	-$238K+76.1%	-$997K-141.9%	$2.4M+180.2%	$849K
Financing Cash Flow	$3K-99.9%	$2.6M+239.2%	-$1.9M-338.1%	$777K+43.6%	$541K-30.0%	$773K+349.4%	-$310K-191.2%	$340K
Dividends Paid	$94-99.9%	$94K+11.9%	$84K	$0-100.0%	$89K	N/A	N/A	N/A
Share Buybacks	$60-99.9%	$60K+76.5%	$34K-94.3%	$594K+14750.0%	$4K	N/A	N/A	N/A

GOVB Financial Ratios

Metric	FY25	FY24	FY23	FY22
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	8.5%+2.2pp	6.3%+2.4pp	3.9%-29.7pp	33.6%
Return on Equity	2.3%+0.6pp	1.7%+0.4pp	1.3%-4.9pp	6.2%
Return on Assets	0.4%+0.1pp	0.3%+0.1pp	0.1%-0.6pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	5.18+0.2	5.02-2.2	7.20-0.4	7.58
FCF Margin	7.5%+43.5pp	-35.9%-103.4pp	67.5%+126.8pp	-59.3%

Metric	Q1'26	Q1'25	Q3'25	Q2'25	Q1'24	Q3'24	Q2'24	Q1'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.8%0.0pp	12.8%+2.8pp	10.0%+4.5pp	5.5%-1.9pp	7.4%-1.2pp	8.5%+3.8pp	4.8%-0.8pp	5.5%
Return on Equity	0.9%0.0pp	0.9%+0.2pp	0.7%+0.3pp	0.4%-0.1pp	0.5%-0.1pp	0.6%+0.3pp	0.3%-0.1pp	0.4%
Return on Assets	0.1%0.0pp	0.1%+0.0pp	0.1%+0.1pp	0.1%-0.0pp	0.1%0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.190.0	5.19-0.1	5.27-0.0	5.29+0.1	5.20+0.2	5.02-0.4	5.42+0.0	5.39
FCF Margin	19.9%0.0pp	19.9%-12.1pp	32.0%+52.7pp	-20.7%-33.4pp	12.7%+4.7pp	8.0%+9.7pp	-1.7%+163.9pp	-165.6%

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Frequently Asked Questions

What is Gouverneur Bancorp Inc's annual revenue?

Gouverneur Bancorp Inc (GOVB) reported $8.7M in total revenue for fiscal year 2025. This represents a 1.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Gouverneur Bancorp Inc's revenue growing?

Gouverneur Bancorp Inc (GOVB) revenue grew by 1.2% year-over-year, from $8.6M to $8.7M in fiscal year 2025.

Is Gouverneur Bancorp Inc profitable?

Yes, Gouverneur Bancorp Inc (GOVB) reported a net income of $733K in fiscal year 2025, with a net profit margin of 8.5%.

What is Gouverneur Bancorp Inc's earnings per share (EPS)?

Gouverneur Bancorp Inc (GOVB) reported diluted earnings per share of $0.72 for fiscal year 2025. This represents a 41.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Gouverneur Bancorp Inc's net profit margin?

Gouverneur Bancorp Inc (GOVB) had a net profit margin of 8.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Gouverneur Bancorp Inc pay dividends?

Yes, Gouverneur Bancorp Inc (GOVB) paid $0.16 per share in dividends during fiscal year 2025.

What is Gouverneur Bancorp Inc's return on equity (ROE)?

Gouverneur Bancorp Inc (GOVB) has a return on equity of 2.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Gouverneur Bancorp Inc's free cash flow?

Gouverneur Bancorp Inc (GOVB) generated $653K in free cash flow during fiscal year 2025. This represents a 121.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Gouverneur Bancorp Inc's operating cash flow?

Gouverneur Bancorp Inc (GOVB) generated $830K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Gouverneur Bancorp Inc's total assets?

Gouverneur Bancorp Inc (GOVB) had $198.5M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Gouverneur Bancorp Inc's capital expenditures?

Gouverneur Bancorp Inc (GOVB) invested $177K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Gouverneur Bancorp Inc buy back shares?

Yes, Gouverneur Bancorp Inc (GOVB) spent $701K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Gouverneur Bancorp Inc have outstanding?

Gouverneur Bancorp Inc (GOVB) had 1M shares outstanding as of fiscal year 2025.

What is Gouverneur Bancorp Inc's debt-to-equity ratio?

Gouverneur Bancorp Inc (GOVB) had a debt-to-equity ratio of 5.18 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Gouverneur Bancorp Inc's return on assets (ROA)?

Gouverneur Bancorp Inc (GOVB) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Gouverneur Bancorp Inc's Piotroski F-Score?

Gouverneur Bancorp Inc (GOVB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Gouverneur Bancorp Inc's earnings high quality?

Gouverneur Bancorp Inc (GOVB) has an earnings quality ratio of 1.13x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Gouverneur Bancorp Inc?

Gouverneur Bancorp Inc (GOVB) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.