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 $981.00K for the fiscal year ended 2026-06-30. This page shows 1 annual period 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 | 2026-06-30 |
|---|---|
| Revenue | Unavailable |
| Cost of revenue | Unavailable |
| Gross profit | Unavailable |
| Operating income | Unavailable |
| Net income | $981.00K |
| Research & development | Unavailable |
| Weighted-average diluted shares | Unavailable |
| Pretax income | $1.04M |
| Income tax expense | $64.00K |
| Diluted EPS | Unavailable |
| Selling, general & administrative | Unavailable |
| General & administrative | Unavailable |
| Selling & marketing | Unavailable |
Balance
| Metric | 2026-06-30 |
|---|---|
| Cash & equivalents | $6.34M |
| Total assets | $198.68M |
| Current assets | Unavailable |
| Total liabilities | $165.93M |
| Current liabilities | Unavailable |
| Total equity incl. NCI | $32.75M |
| Temporary (mezzanine) equity | Unavailable |
| Inventory | Unavailable |
| Accounts receivable | Unavailable |
| Goodwill | $4.24M |
| Long-term debt | Unavailable |
| Accounts payable | Unavailable |
Cash flow
| Metric | 2026-06-30 |
|---|---|
| Operating cash flow | $1.17M |
| Capital expenditures | $402.00K |
| Investing cash flow | -$2.05M |
| Financing cash flow | $22.00K |
| Net change in cash | Unavailable |
| Stock-based compensation | $76.00K |
| Common dividends paid | $192.00K |
| Common share repurchases | $324.00K |
| Depreciation & amortization | Unavailable |
Derived
| Metric | 2026-06-30 |
|---|---|
| Free cash flow | $764.00K |
| Gross margin | Unavailable |
| Operating margin | Unavailable |
| FCF margin | Unavailable |
| SBC / revenue | Unavailable |
| Current ratio | Unavailable |
| Revenue YoY growth | Unavailable |
| Net margin | Unavailable |
| R&D / revenue | Unavailable |
| CapEx / revenue | Unavailable |
| Long-term debt / equity | Unavailable |
| Effective tax rate | 6.1% |
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.