What is GOUVERNEUR BANCORP INC MD's earnings per share (EPS)?

GOUVERNEUR BANCORP INC MD (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.

GOUVERNEUR BANCORP INC MD (GOVB) Financials

GOVB

Trailing 12 months to June 30, 2026

Revenue $8.5M +6.2% YoY

Net Income $981K +55.5% YoY

EPS (Diluted) $0.96 +57.4% YoY

Free Cash Flow $764K -8.7% YoY

Market Cap $22.2M as of Oct 19, 2026

Price / Sales 2.6x on $8.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 22.6x on $981K net income, trailing 12 months to June 30, 2026

Price / Book 0.7x on $32.8M equity, Q3 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 19, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE September

Newest figures come from the 10-Q for Q3 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GOVB SEC filings page.

GOUVERNEUR BANCORP INC MD (GOVB) reported $8.5M in revenue over the twelve months to Jun 30, 2026, up 6.2% from the prior twelve months. This page shows its 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).

Rhea AI GOVB FY2025 2026-10-04

The bank’s improving earnings remain modest against its balance sheet, while cash flows swing with financing and investing activity.

The most telling pattern is uneven cash conversion: operating cash flow moved from $5.7M in FY2023 to -$3.0M in FY2024, so reported profit did not consistently translate into cash. In FY2025, net income of $733K and operating cash flow of $830K moved back into alignment, suggesting the latest earnings were more cash-supported than the prior year.

The reported 5.2x debt-to-equity ratio means the bank remains liability-funded rather than equity-funded. By FY2025, assets were $198.5M, below their FY2022 level, while equity reached $32.1M, indicating a somewhat thicker capital base within a smaller balance sheet.

Revenue expanded from $7.7M in FY2023 to $8.2M in FY2025, but net income rose from $317K to $733K; earnings improved faster than the top line. Interest expense also increased from $570K to $1.5M, yet profit still advanced, showing that reported earnings absorbed higher funding costs.

Financial Health Signals

Financial health score not available

GOUVERNEUR BANCORP INC MD does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

GOUVERNEUR BANCORP INC MD passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.13x

For every $1 of reported earnings, GOUVERNEUR BANCORP INC MD 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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Earnings & Revenue

Revenue

$2.1M

YoY+2.9%

QoQ+2.5%

GOUVERNEUR BANCORP INC MD generated $2.1M in revenue in Q3 2026. This represents an increase of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 2.5%.

Net Income

$239K

YoY+10.1%

QoQ+10.1%

GOUVERNEUR BANCORP INC MD reported $239K in net income in Q3 2026. This represents an increase of 10.1% from the same quarter a year earlier. Against the prior quarter it is up 10.1%.

EPS (Diluted)

$0.23

YoY+4.5%

QoQ+9.5%

GOUVERNEUR BANCORP INC MD earned $0.23 per diluted share (EPS) in Q3 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 9.5%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

-$9K

YoY-101.3%

QoQ-104.5%

GOUVERNEUR BANCORP INC MD recorded an outflow of $9K in free cash flow in Q3 2026, representing a cash shortfall after capex. This represents a decrease of 101.3% from the same quarter a year earlier. Against the prior quarter it is down 104.5%.

Cash & Debt

$6.3M

YoY-12.0%

QoQ+6.1%

GOUVERNEUR BANCORP INC MD held $6.3M in cash as of Q3 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.09

YoY+12.5%

GOUVERNEUR BANCORP INC MD paid $0.09 per share in dividends in Q3 2026. This represents an increase of 12.5% from the same quarter a year earlier.

Shares Outstanding

YoY+0.4%

QoQ-0.1%

GOUVERNEUR BANCORP INC MD had 1M shares outstanding in Q3 2026. This represents an increase of 0.4% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

11.2%

YoY+0.7pp

QoQ+0.8pp

GOUVERNEUR BANCORP INC MD's net profit margin was 11.2% in Q3 2026, showing the share of revenue converted to profit. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Return on Equity

0.7%

YoY0.0pp

QoQ+0.1pp

GOUVERNEUR BANCORP INC MD's ROE was 0.7% in Q3 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Share Buybacks

$42K

YoY+23.5%

QoQ-72.5%

GOUVERNEUR BANCORP INC MD spent $42K on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 23.5% from the same quarter a year earlier. Against the prior quarter it is down 72.5%.

Capital Expenditures

$150K

YoY+354.5%

QoQ-9.6%

GOUVERNEUR BANCORP INC MD invested $150K in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 354.5% from the same quarter a year earlier. Against the prior quarter it is down 9.6%.

R&D Spending

Not reported for Q3 2026.

GOVB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GOVB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Revenue	$8.5M	$8.2M+3.6%	$7.9M+3.3%	$7.7M+8.2%	$7.1M
SG&A Expenses	$3.4M	$3.4M-3.3%	$3.6M+3.5%	$3.4M+50.2%	$2.3M
Interest Expense	$1.5M	$1.5M+7.1%	$1.4M+148.8%	$570K+112.7%	$268K
Income Tax	$64K	$60K+195.2%	-$63K+25.0%	-$84K-121.4%	$392K
Net Income	$981K	$733K+36.0%	$539K+70.0%	$317K-79.2%	$1.5M
EPS (Basic)	N/A	$0.72+41.2%	$0.51+218.8%	$0.16-78.7%	$0.75
EPS (Diluted)	$0.96	$0.72+41.2%	$0.51	$0.16-78.7%	$0.75
Diluted Shares (Avg)	N/A	1M-2.8%	1M	2M0.0%	2M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$2.1M+2.9%	$2.1M+6.1%	$2.2M+8.2%	$2.2M+7.8%	$2.1M+6.1%	$2.0M-2.4%	$2.0M+3.0%	$2.0M+1.8%
SG&A Expenses	$839K-0.4%	$806K-3.9%	$899K+3.0%	$890K-5.7%	$842K-3.9%	$839K-4.7%	$873K+1.2%	$944K+10.4%
Interest Expense	$381K+5.8%	$376K-3.6%	$411K+2.5%	$367K-0.8%	$360K-7.0%	$390K+15.7%	$401K+23.8%	$370K+30.3%
Income Tax	$14K-72.5%	$4K+125.0%	$20K+2100.0%	$26K+208.3%	$51K+1120.0%	-$16K+5.9%	-$1K+94.1%	-$24K-300.0%
Net Income	$239K+10.1%	$217K+83.9%	$287K+79.4%	$238K+75.0%	$217K+18.6%	$118K+15.7%	$160K+35.6%	$136K+58.1%
EPS (Basic)	$0.23+4.5%	$0.21+90.9%	$0.28+86.7%	$0.24+84.6%	$0.22+29.4%	$0.11+10.0%	$0.15+36.4%	$0.13+160.0%
EPS (Diluted)	$0.23+4.5%	$0.21+90.9%	$0.28+86.7%	$0.24+84.6%	$0.22+29.4%	$0.11+10.0%	$0.15+36.4%	$0.13
Diluted Shares (Avg)	1M+2.7%	1M-0.1%	1M-2.1%	N/A	1M-4.5%	1M-1.9%	1M+0.4%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

GOVB Balance Sheet

GOVB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Total Assets	$198.5M+0.6%	$197.3M-4.2%	$205.9M-3.3%	$213.0M
Cash & Equivalents	$4.7M-26.9%	$6.4M-38.8%	$10.4M-27.4%	$14.3M
Short-Term Investments	$0	$0-100.0%	$46.6M	$0
Long-Term Investments	$0	$0	$0	$0
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
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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$198.7M+1.0%	$198.3M+0.5%	$201.9M+2.6%	$198.5M+0.6%	$196.7M+0.8%	$197.4M-3.1%	$196.8M-4.0%	$197.3M-4.2%
Cash & Equivalents	$6.3M-12.0%	$6.0M-24.1%	$4.7M-32.9%	$4.7M-26.9%	$7.2M+14.7%	$7.9M-22.1%	$7.0M-13.2%	$6.4M-38.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0-100.0%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%
Total Liabilities	$165.9M+0.4%	$165.6M-0.3%	$169.3M+2.6%	$166.4M+1.2%	$165.3M+1.2%	$166.0M-3.5%	$165.0M-4.5%	$164.5M-9.0%
Total Equity	$32.8M+4.3%	$32.7M+4.4%	$32.6M+2.8%	$32.1M-2.0%	$31.4M-1.0%	$31.4M-1.2%	$31.7M-1.0%	$32.8M+30.5%
Retained Earnings	$29.5M+2.7%	$29.4M+2.7%	$29.2M+2.4%	$29.0M+2.0%	$28.7M+1.6%	$28.6M+1.8%	$28.5M+1.8%	$28.4M+0.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

GOVB Cash Flow Statement

GOVB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Operating Cash Flow	$1.2M	$830K+127.9%	-$3.0M-152.5%	$5.7M+325.9%	-$2.5M
Depreciation & Amortization	N/A	$567K-12.6%	$649K-7.8%	$704K+410.1%	$138K
Stock-Based Compensation	N/A	$24K-35.1%	$37K	N/A	N/A
Capital Expenditures	$402K	$177K+80.6%	$98K-38.8%	$160K-14.9%	$188K
Free Cash Flow	$764K	$653K+121.2%	-$3.1M-155.8%	$5.5M+304.3%	-$2.7M
Investing Cash Flow	-$2.1M	-$3.6M-152.1%	$6.8M+286.2%	$1.8M+3787.5%	-$48K
Financing Cash Flow	$22K	$1.0M+112.9%	-$7.9M+30.6%	-$11.4M-294.4%	$5.9M
Dividends Paid	$192K	$174K	N/A	$203K+75.0%	$116K
Share Buybacks	$324K	$701K	N/A	N/A	N/A

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$141K-80.6%	$367K+184.2%	$459K+35.0%	$199K-36.8%	$727K+180.7%	-$436K-1145.7%	$340K+109.7%	$315K-92.7%
Depreciation & Amortization	$135K-2.9%	$128K-9.2%	$130K-12.8%	$138K-14.8%	$139K-7.9%	$141K-16.1%	$149K-11.3%	$162K-15.2%
Stock-Based Compensation	N/A	N/A	$19K-54.8%	N/A	N/A	N/A	$42K+13.5%	N/A
Capital Expenditures	$150K+354.5%	$166K+2271.4%	$14K-78.5%	$72K+1700.0%	$33K-62.5%	$7K+600.0%	$65K+828.6%	$4K-66.7%
Free Cash Flow	-$9K-101.3%	$201K+145.4%	$445K+61.8%	$127K-59.2%	$694K+305.8%	-$443K-1130.6%	$275K+107.8%	$311K-92.8%
Investing Cash Flow	$832K+82.9%	$4.4M+747.2%	-$3.0M-1154.2%	-$4.3M-331.1%	$455K-90.1%	$519K-78.2%	-$238K-128.0%	-$997K+15.4%
Financing Cash Flow	-$606K+67.2%	-$3.5M-550.6%	$2.6M+376.2%	$1.6M+100.9%	-$1.9M+78.7%	$777K+350.6%	$541K+59.1%	$773K+263.4%
Dividends Paid	$97K+15.5%	$0	$94K+5.6%	$1K	$84K	$0	$89K	N/A
Share Buybacks	$42K+23.5%	$153K-74.2%	$60K+1400.0%	$69K	$34K	$594K	$4K	N/A

GOVB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GOVB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Net Margin	8.9%+2.1pp	6.8%+2.7pp	4.1%-17.4pp	21.6%
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%
Debt-to-Equity	5.18+0.2x	5.02-2.2x	7.20-0.4x	7.58
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.03
FCF Margin	8.0%+46.8pp	-38.8%-110.7pp	71.9%+110.0pp	-38.1%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	11.2%+0.7pp	10.5%+4.4pp	13.2%+5.2pp	10.9%+4.2pp	10.5%+1.1pp	6.0%+1.0pp	8.0%+1.9pp	6.8%+2.4pp
Return on Equity	0.7%0.0pp	0.7%+0.3pp	0.9%+0.4pp	0.7%+0.3pp	0.7%+0.1pp	0.4%+0.1pp	0.5%+0.1pp	0.4%+0.1pp
Return on Assets	0.1%0.0pp	0.1%+0.1pp	0.1%+0.1pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp
Debt-to-Equity	5.07-0.2x	5.06-0.2x	5.190.0x	5.18+0.2x	5.27+0.1x	5.29-0.1x	5.20-0.2x	5.02-2.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-0.4%-34.0pp	9.7%+32.4pp	20.5%+6.8pp	5.8%-9.6pp	33.6%+24.8pp	-22.7%-20.9pp	13.7%	15.4%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
GOUVERNEUR BANCORP INC MD GOVB	FY2025	$8.2M	$733K	8.9%	$22.2M	—
PFS BANCORP INC (MD) PFSB	FY2025	$6.6M	$1.7M	25.4%	$34.0M	—

Where GOUVERNEUR BANCORP INC MD Ranks

Frequently Asked Questions

What is GOUVERNEUR BANCORP INC MD's annual revenue?

GOUVERNEUR BANCORP INC MD (GOVB) reported $8.2M in total revenue for fiscal year 2025. This represents a 3.6% 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 MD's revenue growing?

GOUVERNEUR BANCORP INC MD (GOVB) revenue grew by 3.6% year-over-year, from $7.9M to $8.2M in fiscal year 2025.

Is GOUVERNEUR BANCORP INC MD profitable?

Yes, GOUVERNEUR BANCORP INC MD (GOVB) reported a net income of $733K in fiscal year 2025, with a net profit margin of 8.9%.

What is GOUVERNEUR BANCORP INC MD's net profit margin?

GOUVERNEUR BANCORP INC MD (GOVB) had a net profit margin of 8.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does GOUVERNEUR BANCORP INC MD pay dividends?

Yes, GOUVERNEUR BANCORP INC MD (GOVB) paid $0.16 per share in dividends during fiscal year 2025.

What is GOUVERNEUR BANCORP INC MD's return on equity (ROE)?

GOUVERNEUR BANCORP INC MD (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 MD's free cash flow?

GOUVERNEUR BANCORP INC MD (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 MD's operating cash flow?

GOUVERNEUR BANCORP INC MD (GOVB) generated $830K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are GOUVERNEUR BANCORP INC MD's total assets?

GOUVERNEUR BANCORP INC MD (GOVB) had $198.5M in total assets as of fiscal year 2025, including both current and long-term assets.

What are GOUVERNEUR BANCORP INC MD's capital expenditures?

GOUVERNEUR BANCORP INC MD (GOVB) invested $177K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does GOUVERNEUR BANCORP INC MD buy back shares?

Yes, GOUVERNEUR BANCORP INC MD (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 MD have outstanding?

GOUVERNEUR BANCORP INC MD (GOVB) had 1M shares outstanding as of fiscal year 2025.

What is GOUVERNEUR BANCORP INC MD's debt-to-equity ratio?

GOUVERNEUR BANCORP INC MD (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 MD's return on assets (ROA)?

GOUVERNEUR BANCORP INC MD (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 MD's P/E ratio?

GOUVERNEUR BANCORP INC MD (GOVB) trades at 22.6x earnings, its market capitalization divided by net income of $981K net income, trailing 12 months to June 30, 2026. The market capitalization is $22.2M as of Oct 19, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is GOUVERNEUR BANCORP INC MD's price-to-sales ratio?

GOUVERNEUR BANCORP INC MD (GOVB) trades at 2.6x sales, its market capitalization divided by revenue of $8.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $22.2M as of Oct 19, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is GOUVERNEUR BANCORP INC MD's Piotroski F-Score?

GOUVERNEUR BANCORP INC MD (GOVB) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are GOUVERNEUR BANCORP INC MD's earnings high quality?

GOUVERNEUR BANCORP INC MD (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.