GOVB — Gouverneur Bancorp, Inc./MD/

OTC · Financials · Thrifts & Mortgage Finance · CIK 1978811 ·
Last close
$19.17
Market Cap
$20.31M
52W High
$19.66
52W Low
$17.28
ADV30
887
Next earnings
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. It accepts savings deposit, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company's loan products include mortgage loans, one- to four-family residential loans, commercial real estate loans, and multifamily residential real estate loans, residential and commercial construction loans, commercial land loans, home equity loans, lines of credit, commercial loans, automobiles, motorcycles, campers, boats, and other recreational vehicles, as well as personal secured and unsecured loans. It also invests in municipal bonds, U.S. Government securities, U.S. Government agencies, municipal securities, and mortgage-backed securities. Gouverneur Bancorp, Inc. serves primarily St. Lawrence County, and Jefferson and Lewis counties in New York State. The company was founded in 1892 and is headquartered in Gouverneur, New York.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026
Dec 2025 2,174,000 287,000 201,876,000 4,709,000 169,251,000
Sep 2025 2,173,000 238,000 198,528,000 4,659,000 166,420,000
Jun 2025 2,066,000 217,000 196,719,000 7,205,000 165,322,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$949,000
Investing CF
$-6,309,000
Financing CF
$3,056,000
CapEx
$-126,000
Dividends Paid
$-179,000
Buybacks
$-757,000
EPS Diluted TTM
$0.82
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$29,165,000
Inventory
Receivables
ST Investments
$19,701,000
EBIT TTM
Pretax Income TTM
$941,000
Interest Exp TTM
$1,528,000
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$8,425,000
EBITDA
Free Cash Flow
Enterprise Value
$14,840,094
Total Cash
$5,972,000
Total Debt
$1,000,000
Shares Out
1,059,520
Trailing EPS
$0.94
Book Value
$31.68
ROE
3.0%
ROA
0.5%
Div Yield
0.94%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Sep 2025 8,203,000 733,000 198,528,000 166,420,000 830,000
Sep 2024 7,933,000 539,000 197,260,000 164,495,000 -2,978,000
Sep 2023 7,663,000 317,000 205,885,000 180,777,000 5,669,000
Sep 2022 7,085,000 1,527,000 213,019,000 188,190,000 -2,509,000

TTM Snapshot

Revenues TTM
NetIncome TTM
OpCashFlow TTM
Assets (Latest)
Forward EPS
$0.19

Peers — same industry

TickerNameMarket CapLastDaily %
MSBB Mercer Bancorp, Inc. $19.05M $18.80
VWFB VWF Bancorp, Inc. $27.36M $14.36
PFSB PFS Bancorp, Inc. $28.20M $18.20
FNFI FIRST NILES FINANCIAL INC $12.69M $8.25
GBNY Generations Bancorp NY, Inc. $34.17M $15.00

News headlines (Yahoo Finance, 1h cache)

Gouverneur Bancorp, Inc. Announces Fiscal 2026 Second Quarter and Six Months Results
2026-04-21 20:15 · Yahoo
Gouverneur Bancorp, Inc. Announces Semi-Annual Cash Dividend
2026-04-20 20:05 · Yahoo
Gouverneur Bancorp, Inc. Announces Fiscal 2026 First Quarter Results
2026-01-27 22:04 · Yahoo
Gouverneur Bancorp, Inc. Announces Fiscal 2025 Fourth Quarter and Fiscal Year Results
2025-10-30 20:45 · Yahoo
Gouverneur Bancorp, Inc. Announces Increase in Semi-Annual Cash Dividend
2025-10-20 20:10 · Yahoo
Gouverneur Bancorp, Inc. Announces Appointment of New President and Chief Executive Officer
2025-08-12 20:15 · Yahoo
Gouverneur Bancorp, Inc. Approves Second Stock Repurchase Program
2025-07-24 20:05 · Yahoo
Gouverneur Bancorp, Inc. Announces Fiscal 2025 Third Quarter and Nine Months Results
2025-07-21 20:15 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.