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Gouverneur Bancorp, Inc./MD/

Qualité des données : 83%
GOVB
OTC Financial Services Depository Institutions
17,93 €
▲ 0,43 € (2,46%)
Cap. Boursière: 18,60 M
Prix
17,50 €
Cap. Boursière
18,60 M
Fourchette du Jour
—
Fourchette 52 Semaines
—
Volume
—
Ouverture —
Moyenne 50J / 200J
—
Moyenne 50J / 200J
—

Quick Summary

Points Clés

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
20 consecutive years of dividends — reliable payer

Croissance

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)35,99%
FCF Growth (3Y)-65,57%

Qualité

Return on Equity
2,69%
En dessous de la moyenne du secteur (9,22%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Sécurité

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

Valorisation

PE (TTM|NTM)
21,63 | 94,37
Au-dessus de la moyenne du secteur (11,12)
P/B Ratio0,57
EV/EBITDAN/A
Dividend Yield0,97%

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (2698 pairs)
Métrique Action Médiane du Secteur
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

Objectif de Cours des Analystes

Aucune couverture d'analyste disponible

Estimations de Bénéfices

Aucune estimation prévisionnelle disponible

Surprises de Résultats

Derniers 3 trimestres
Trimestre BPA Est. BPA Réel Surprise
Q42010 N/A 0,43 € —
Q22010 N/A 0,34 € —
Q12010 N/A 0,34 € —

Dividend History

20 yr streak

Yield

0,97%

Payout Ratio

20,00%

Growth (3Y)

-17,25%

Growth (5Y)

-20,75%

Ex-Date Payment Date Amount Yield
Nov 03, 2025 — 0,09 € N/A
May 05, 2025 — 0,08 € N/A
Nov 04, 2024 — 0,08 € N/A
Mar 14, 2023 — 0,19 € N/A
Sep 14, 2022 — 0,11 € N/A
Mar 14, 2022 — 0,19 € N/A
Sep 14, 2021 — 0,22 € N/A
Mar 12, 2021 — 0,22 € N/A
Sep 14, 2020 — 0,22 € N/A
Mar 13, 2020 — 0,32 € N/A
Sep 13, 2019 — 0,32 € N/A
Mar 14, 2019 — 0,32 € N/A
Sep 13, 2018 — 0,32 € N/A
Mar 14, 2018 — 0,32 € N/A
Sep 14, 2017 — 0,32 € N/A
Mar 13, 2017 — 0,32 € N/A
Sep 13, 2016 — 0,32 € N/A
Mar 11, 2016 — 0,32 € N/A
Sep 11, 2015 — 0,32 € N/A
Mar 11, 2015 — 0,32 € N/A

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 0,97% Payout Ratio 20,00%
Dividend Growth (3Y) -17,25% Dividend Growth (5Y) -20,75%
Consecutive Div Years 20 yrs
Valuation
P/E Ratio 21,63 Forward P/E 94,37
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 1,06%
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 — — —