OTCM
GOVB
Market cap14mUSD
Jul 01, Last price
13.46USD
1D
5.57%
1Q
4.75%
Jan 2017
-27.24%
Name
Gouverneur Bancorp
Chart & Performance
P/E
—
P/S
1.66
EPS
—
Div Yield, %
—
Shrs. gr., 5y
-13.52%
Rev. gr., 5y
5.60%
Revenues
9m
+12.37%
Net income
-10k
L
CFO
-3m
L
Dividend
Mar 14, 20230.0999 USD/sh
Earnings
Aug 07, 2025
Profile
Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides various banking products and services to individuals and businesses in New York. The company accepts passbook savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. Its loan products include personal, home improvement, automobile and motorcycle, camper and boat, recreational vehicles, passbook, and mortgage loans; and construction, commercial real estate, commercial installment, short-term working capital, and equipment loans, as well as home equity line of credit, and commercial lines of credit and letters of credit. The company also invests in general obligation municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by government-sponsored enterprises. In addition, it offers online, mobile, bill pay, and telephone banking; electronic or paper statements; and ATM, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers, and safe deposit box services. The company serves primarily the St. Lawrence County, and Jefferson and Lewis counties in New York State through two full-service branch offices. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|
| 2024‑09 | 2023‑09 | 2022‑09 | 2021‑09 | 2020‑09 | 2019‑09 | 2018‑09 | 2017‑09 | 2016‑09 | |
| Income | |||||||||
Revenues | 8,565 12.37% | 7,622 6.92% | 7,129 30.64% | ||||||
Cost of revenue | 671 | 529 | 2,565 | ||||||
Unusual Expense (Income) | |||||||||
NOPBT | 7,894 | 7,093 | 4,564 | ||||||
NOPBT Margin | 92.17% | 93.06% | 64.02% | ||||||
Operating Taxes | (63) | (84) | 392 | ||||||
Tax Rate | 8.59% | ||||||||
NOPAT | 7,957 | 7,177 | 4,172 | ||||||
Net income | (10) -103.15% | 317 -79.24% | 1,527 21.58% | ||||||
Dividends | (203) | (116) | |||||||
Dividend yield | 1.61% | 0.68% | |||||||
Proceeds from repurchase of equity | 4,932 | ||||||||
BB yield | -44.69% | ||||||||
| Debt | |||||||||
Debt current | |||||||||
Long-term debt | 14,028 | ||||||||
Deferred revenue | |||||||||
Other long-term liabilities | (19) | 93,497 | |||||||
Net debt | (49,650) | (90,111) | (114,353) | ||||||
| Cash flow | |||||||||
Cash from operating activities | (2,978) | 5,669 | (2,509) | ||||||
CAPEX | (160) | (188) | |||||||
Cash from investing activities | 6,835 | 1,770 | (48) | ||||||
Cash from financing activities | (7,894) | (11,376) | 5,852 | ||||||
FCF | 8,106 | 12,995 | (34,483) | ||||||
| Balance | |||||||||
Cash | 49,650 | 57,515 | 64,707 | ||||||
Long term investments | 46,624 | 49,646 | |||||||
Excess cash | 49,222 | 103,758 | 113,997 | ||||||
Stockholders' equity | 26,818 | 24,143 | 23,864 | ||||||
Invested Capital | 170,442 | 174,176 | 188,225 | ||||||
ROIC | 4.62% | 3.96% | 3.33% | ||||||
ROCE | 4.00% | 3.58% | 2.14% | ||||||
| EV | |||||||||
Common stock shares outstanding | 1,053 | 2,031 | 2,031 | ||||||
Price | 10.48 69.03% | 6.20 -25.75% | 8.35 -14.36% | ||||||
Market cap | 11,035 -12.36% | 12,592 -25.75% | 16,959 -14.37% | ||||||
EV | (38,615) | (77,519) | (97,394) | ||||||
EBITDA | 7,337 | 7,797 | 4,702 | ||||||
EV/EBITDA | |||||||||
Interest | 1,418 | 570 | 268 | ||||||
Interest/NOPBT | 17.96% | 8.04% | 5.87% | ||||||