Valuation, from the filing
| Public float | $12.70M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-03-31 |
|---|---|---|
| Float per share | $12.09 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 17.3× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.4× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-03-31, not today, and each multiple below it uses the figures for the fiscal year ending 2025-09-30 — the year that filing covered.
How this compares in its industry
Percentile among the Savings Institutions, Not Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 7.6% | 8th |
Gouverneur Bancorp, Inc./MD/ (GOVB) reported net income of $733.00K for the fiscal year ended 2025-09-30. This page shows 4 annual periods of income statement, balance sheet and cash flow figures normalized from Gouverneur Bancorp, Inc./MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $733.00K | $539.00K | $317.00K | $1.53M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 1.02M | shares 1.05M | shares 2.03M | shares 2.03M |
| Pretax income | $793.00K | $476.00K | $233.00K | $1.92M |
| Income tax expense | $60.00K | -$63.00K | -$84.00K | $392.00K |
| Diluted EPS | $0.72 | $0.51 | $0.16 | $0.75 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Cash & equivalents | $4.66M | $6.37M | $10.41M | $14.34M |
| Total assets | $198.53M | $197.26M | $205.88M | $213.02M |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $166.42M | $164.50M | $180.78M | $188.19M |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $32.11M | $32.76M | $25.11M | $24.83M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $4.24M | $4.24M | $4.24M | $3.96M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Operating cash flow | $830.00K | -$2.98M | $5.67M | -$2.51M |
| Capital expenditures | $177.00K | $98.00K | $160.00K | $188.00K |
| Investing cash flow | -$3.56M | $6.84M | $1.77M | -$48.00K |
| Financing cash flow | $1.02M | -$7.89M | -$11.38M | $5.85M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $24.00K | $37.00K | Unavailable | Unavailable |
| Common dividends paid | $174.00K | Unavailable | $203.00K | $116.00K |
| Common share repurchases | $701.00K | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | Unavailable | Unavailable | Unavailable | Unavailable |
Derived
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Free cash flow | $653.00K | -$3.08M | $5.51M | -$2.70M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 7.6% | -13.2% | -36.1% | 20.4% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open GOVB in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.