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GOVB · OTC · United States · Savings Institutions, Not Federally Chartered
In shortGouverneur Bancorp, Inc./MD/ is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 2.3% | 11/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.89× | n/a |
| Years with positive free cash flow (last 5) | 2 of 4 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 4 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | – | n/a |
|---|---|---|
| EPS growth, 3-year average | -1.4% | 18/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
No data reported.
The last 4 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Interest expense | 0.3 | 0.6 | – | – |
| Pre-tax income | 1.9 | 0.2 | 0.5 | 0.8 |
| Income tax | 0.4 | (0.1) | (0.1) | 0.1 |
| Net income | 1.5 | 0.3 | 0.5 | 0.7 |
| Diluted EPS | $0.75 | $0.16 | $0.51 | $0.72 |
| Diluted shares (millions) | 2 | 2 | 1.1 | 1 |
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Gouverneur Bancorp, Inc./MD/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 13, 2026