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.

Gouverneur Bancorp Inc Financials

GOVB

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 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).

Rhea AI GOVB FY2025 2026-05-12

Large balance sheet, thin returns remain the core mechanic as improving earnings still translate into only 0.4% ROA.

Over the last two valid years, debt-to-equity settled near 5.2x while ROE remained only 2.3%; the capital structure is still doing a lot of work for a modest equity return. Cash conversion improved more than the profit line alone suggests: operating cash flow swung from -$3.0M to $830K with revenue roughly unchanged, so FY2024 looks more like a cash timing setback than a collapse in the earning base.

Return metrics stayed thin in FY2025 because nearly $199M of assets produced only $733K of profit. That makes the 8.5% net margin look better than the underlying asset productivity.

Internal liquidity has tightened over the cycle: cash fell from $10.4M in FY2023 to $4.7M in FY2025 even though earnings stayed positive. In FY2025, shareholder payouts and buybacks of $875K exceeded free cash flow of $653K, so cash uses were not fully covered by internally generated surplus.

Financial Health Signals

Financial health score pending refresh

We are recalculating Gouverneur Bancorp Inc's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

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.

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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Earnings & Revenue

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

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 & Balance Sheet

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.

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.

Margins & Returns

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.

Capital Allocation

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	$3.4M-3.3%	$3.6M+3.5%	$3.4M+50.2%	$2.3M
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.2M-0.7%	$2.2M+2.1%	$2.2M+1.1%	$2.2M+1.5%	$2.1M-1.3%	$2.2M+0.8%	$2.1M+0.2%	$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	$806K-10.3%	$899K+1.0%	$890K+5.7%	$842K+0.4%	$839K-3.9%	$873K-7.5%	$944K+7.8%	$876K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$376K-8.5%	$411K+12.0%	$367K+1.9%	$360K-7.7%	$390K-2.7%	$401K+8.4%	$370K-4.4%	$387K
Income Tax	$4K-80.0%	$20K-23.1%	$26K-49.0%	$51K+418.8%	-$16K-1500.0%	-$1K+95.8%	-$24K-380.0%	-$5K
Net Income	$217K-24.4%	$287K+20.6%	$238K+9.7%	$217K+83.9%	$118K-26.3%	$160K+17.6%	$136K-25.7%	$183K
EPS (Diluted)	$0.21-25.0%	$0.28	N/A	$0.22+100.0%	$0.11-26.7%	$0.15	N/A	$0.17

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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$198.3M-1.8%	$201.9M+1.7%	$198.5M+0.9%	$196.7M-0.3%	$197.4M+0.3%	$196.8M-0.2%	$197.3M+1.1%	$195.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.0M+26.8%	$4.7M+1.1%	$4.7M-35.3%	$7.2M-8.5%	$7.9M+12.3%	$7.0M+10.1%	$6.4M+1.4%	$6.3M
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	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M0.0%	$4.2M
Total Liabilities	$165.6M-2.2%	$169.3M+1.7%	$166.4M+0.7%	$165.3M-0.4%	$166.0M+0.6%	$165.0M+0.3%	$164.5M+0.7%	$163.4M
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	$32.7M+0.3%	$32.6M+1.6%	$32.1M+2.3%	$31.4M+0.1%	$31.4M-1.2%	$31.7M-3.1%	$32.8M+3.3%	$31.7M
Retained Earnings	$29.4M+0.7%	$29.2M+0.7%	$29.0M+0.8%	$28.7M+0.5%	$28.6M+0.4%	$28.5M+0.2%	$28.4M+0.5%	$28.3M

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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$367K-20.0%	$459K+130.7%	$199K-72.6%	$727K+266.7%	-$436K-228.2%	$340K+7.9%	$315K+21.6%	$259K
Capital Expenditures	$166K+1085.7%	$14K-80.6%	$72K+118.2%	$33K+371.4%	$7K-89.2%	$65K+1525.0%	$4K-95.5%	$88K
Free Cash Flow	$201K-54.8%	$445K+250.4%	$127K-81.7%	$694K+256.7%	-$443K-261.1%	$275K-11.6%	$311K+81.9%	$171K
Investing Cash Flow	$4.4M+247.3%	-$3.0M+30.5%	-$4.3M-1044.6%	$455K-12.3%	$519K+318.1%	-$238K+76.1%	-$997K-121.7%	$4.6M
Financing Cash Flow	-$3.5M-235.9%	$2.6M+65.9%	$1.6M+183.9%	-$1.9M-338.1%	$777K+43.6%	$541K-30.0%	$773K+108.9%	-$8.7M
Dividends Paid	$0-100.0%	$94K+9300.0%	$1K-98.8%	$84K	$0-100.0%	$89K	N/A	N/A
Share Buybacks	$153K+155.0%	$60K-13.0%	$69K+102.9%	$34K-94.3%	$594K+14750.0%	$4K	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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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	9.8%-3.0pp	12.8%+2.0pp	10.8%+0.8pp	10.0%+4.5pp	5.5%-1.9pp	7.4%+1.1pp	6.3%-2.2pp	8.5%
Return on Equity	0.7%-0.2pp	0.9%+0.1pp	0.7%+0.1pp	0.7%+0.3pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.2pp	0.6%
Return on Assets	0.1%-0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.06-0.1	5.190.0	5.18-0.1	5.27-0.0	5.29+0.1	5.20+0.2	5.02-0.1	5.15
FCF Margin	9.0%-10.8pp	19.9%+14.1pp	5.8%-26.2pp	32.0%+52.7pp	-20.7%-33.4pp	12.7%-1.8pp	14.5%+6.5pp	8.0%

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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 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 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.