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Gouverneur Bancorp, Inc./MD/

Data quality: 83%
GOVB
OTC Financial Services Depository Institutions
$17.50
$0.00 (0.00%)
Mkt Cap: 18.60 M
Price
$17.50
Mkt Cap
18.60 M
Day Range
$17.50 — $17.55
52-Week Range
$12.10 — $17.75
Volume
1,000
Open $17.55
50D / 200D Avg
$17.52
0.12% below
50D / 200D Avg
$15.63
11.97% above

Quick Summary

Key Takeaways

Earnings grew 35.99% over the past year
ROE of 2.69% is below average
Generating 823,000.0 in free cash flow
Cash machine — converts 95.70% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)35.99%
FCF Growth (3Y)-65.57%

Quality

Return on Equity
2.69%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
21.63
Above sector avg (11.15)
P/B Ratio0.57
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 21.6 11.1
P/B 0.6 1.2
ROE % 2.7 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 35.99% Earnings Growth (3Y) 52.06%
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) N/A Net Income (TTM) 860,000.0
ROE 2.69% ROA 0.43%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 823,000.0
ROIC N/A FCF Growth (3Y) -65.57%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 27.18 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 21.63 Forward P/E N/A
P/B Ratio 0.57 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 4.42%
Market Cap 18.60 M Enterprise Value 13.89 M
Per Share
EPS (Diluted TTM) 0.85 Revenue / Share N/A
FCF / Share 0.77 OCF / Share 0.89
EPS CAGR (1Y) 41.18% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 95.70%
SBC-Adj. FCF 789,000 Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023
Revenue — — —
Net Income 733,000.0 539,000.0 317,000.0
EPS (Diluted) 0.72 0.51 0.16
Gross Profit — — —
Operating Income — — —
EBITDA — — —
R&D Expenses — — —
SG&A Expenses — — —
D&A — — —
Interest Expense 7.15 M 7.15 M 570,000.0
Income Tax 60,000.0 -63,000.0 -84,000.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023
Total Assets 198.53 M 197.26 M 205.89 M
Total Liabilities 166.42 M 164.50 M 180.78 M
Shareholders' Equity 32.11 M 32.77 M 25.11 M
Total Debt — — —
Cash & Equivalents 4.66 M 6.37 M 10.41 M
Current Assets — — —
Current Liabilities — — —