Gouverneur Bancorp Inc (GOVB) Financials
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 Sep 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
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 (GOVB) reported $8.9M in revenue over the twelve months to Jun 30, 2026, up 3.3% 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).
Gouverneur Bancorp's earnings recovery is paired with volatile cash conversion and a liability-heavy balance sheet, revealing balance-sheet-driven banking economics.
Cash conversion has been episodic: operating cash flow swung from$5.7M in FY2023 to-$3.0M in FY2024, then recovered. By FY2025, operating cash flow of$830K was close to net income of$733K , but the intervening mismatch means reported profit and cash generation agree only intermittently.
Total liabilities were
Assets were nearly flat, moving from
Financial Health Signals
Gouverneur Bancorp Inc 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.
Gouverneur Bancorp Inc 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.
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
Earnings & Revenue
Gouverneur Bancorp Inc generated $2.3M in revenue in Q3 2026. This represents an increase of 3.8% from the same quarter a year earlier. Against the prior quarter it is up 1.3%.
Gouverneur Bancorp Inc 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%.
Gouverneur Bancorp Inc 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%.
Not reported for Q3 2026.
Cash & Balance Sheet
Gouverneur Bancorp Inc 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%.
Gouverneur Bancorp Inc held $6.3M in cash as of Q3 2026; long-term debt is not reported for that period.
Gouverneur Bancorp Inc paid $0.09 per share in dividends in Q3 2026. This represents an increase of 12.5% from the same quarter a year earlier.
Margins & Returns
Gouverneur Bancorp Inc's net profit margin was 10.6% in Q3 2026, showing the share of revenue converted to profit. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.
Gouverneur Bancorp Inc'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.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
Gouverneur Bancorp Inc 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%.
Gouverneur Bancorp Inc 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%.
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.
| 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 | $2.3M+3.8% | $2.2M+4.1% | $2.2M+3.4% | $2.2M+2.1% | $2.2M+1.2% | $2.1M-0.4% | $2.2M+1.8% | $2.1M+2.4% |
| 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
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.
| 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
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.
| 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.
| 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 | 10.6%+0.6pp | 9.8%+4.2pp | 12.8%+5.4pp | 10.8%+4.5pp | 10.0%+1.5pp | 5.5%+0.8pp | 7.4%+1.8pp | 6.3%+2.2pp |
| 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%-32.4pp | 9.0%+29.8pp | 19.9%+7.2pp | 5.8%-8.7pp | 32.0%+24.0pp | -20.7%-19.1pp | 12.7% | 14.5% |
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 GOVB | FY2025 | $8.7M | $733K | 8.5% | $23.5M | — |
| PFS Bancorp PFSB | FY2025 | $8.9M | $1.7M | 18.7% | $32.4M | — |
Where Gouverneur Bancorp Inc Ranks
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 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.
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 P/E ratio?
Gouverneur Bancorp Inc (GOVB) trades at 24.0x earnings, its market capitalization divided by net income of $981K net income, trailing 12 months to June 30, 2026. The market capitalization is $23.5M as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Gouverneur Bancorp Inc's price-to-sales ratio?
Gouverneur Bancorp Inc (GOVB) trades at 2.6x sales, its market capitalization divided by revenue of $8.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $23.5M as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Gouverneur Bancorp Inc's Piotroski F-Score?
Gouverneur Bancorp Inc (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'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.