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STOCKS

Gouverneur Bancorp Inc (GOVB)

OTHER OTC:GOVB

GOVB

Gouverneur Bancorp

RESEARCH TOOLSreports

Gouverneur Bancorp (GOVB) Ratios

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12 Followers

Gouverneur Bancorp Ratios

GOVB's free cash flow for Q3 2025 was $―. For the 2025 fiscal year, GOVB's free cash flow was decreased by $ and operating cash flow was $―. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	7.60	18.51	0.22	0.00
Quick Ratio	0.00	7.60	22.75	0.22	0.00
Cash Ratio	0.00	1.38	3.96	0.20	0.00
Solvency Ratio	<0.01	<0.01	0.44	0.01	>-0.01
Operating Cash Flow Ratio	0.00	0.75	-0.66	0.02	0.00
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -117.97M	$ -123.99M	$ 66.64M	$ -95.97M	$ -94.82M
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.07	0.00	0.00	0.02
Debt-to-Equity Ratio	0.00	0.56	0.00	0.00	0.11
Debt-to-Capital Ratio	0.00	0.36	0.00	0.00	0.10
Long-Term Debt-to-Capital Ratio	0.00	0.36	0.00	0.00	0.10
Financial Leverage Ratio	6.20	8.20	8.58	4.96	4.85
Debt Service Coverage Ratio	0.37	1.79	6.21	3.30	0.49
Interest Coverage Ratio	-0.52	0.46	7.16	3.40	-1.05
Debt to Market Cap	0.00	2.12	0.00	0.00	0.17
Interest Debt Per Share	1.08	13.69	0.13	0.18	1.73
Net Debt to EBITDA	-9.20	3.84	-7.32	-8.34	0.00
Profitability Margins
Gross Profit Margin	77.61%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-2.43%	3.06%	26.92%	21.73%	-2.18%
EBITDA Margin	4.53%	12.25%	28.85%	24.28%	0.00%
Operating Profit Margin	-7.13%	3.45%	26.92%	22.74%	-9.30%
Pretax Profit Margin	6.51%	3.06%	26.92%	21.73%	-10.84%
Net Profit Margin	7.04%	4.16%	21.42%	23.02%	-6.48%
Continuous Operations Profit Margin	7.04%	4.16%	21.42%	19.55%	-6.48%
Net Income Per EBT	108.15%	136.05%	79.57%	105.90%	59.72%
EBT Per EBIT	-91.39%	88.59%	100.00%	95.57%	116.64%
Return on Assets (ROA)	0.30%	0.15%	0.72%	0.93%	-0.29%
Return on Equity (ROE)	1.87%	1.26%	6.15%	4.62%	-1.43%
Return on Capital Employed (ROCE)	-0.31%	0.13%	0.92%	1.55%	-0.42%
Return on Invested Capital (ROIC)	-1.17%	0.13%	1.21%	1.40%	-1.06%
Return on Tangible Assets	0.31%	0.16%	0.74%	4.05%	-0.29%
Earnings Yield	3.91%	4.81%	4.80%	6.34%	-2.16%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.89	2.48	2.26	2.28	2.32
Asset Turnover	0.04	0.04	0.03	0.04	0.05
Working Capital Turnover Ratio	0.18	0.13	0.61	-0.31	1.02
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.82	5.33	-1.24	0.45	0.35
Free Cash Flow Per Share	0.67	5.18	-1.33	0.45	0.29
CapEx Per Share	0.08	0.15	0.09	0.00	0.06
Free Cash Flow to Operating Cash Flow	0.82	0.97	1.07	1.00	0.83
Dividend Paid and CapEx Coverage Ratio	4.88	15.62	-8.25	5.32	2.16
Capital Expenditure Coverage Ratio	9.66	35.43	-13.35	0.00	6.05
Operating Cash Flow Coverage Ratio	0.00	0.41	0.00	0.00	0.24
Operating Cash Flow to Sales Ratio	0.10	0.74	-0.35	0.17	0.12
Free Cash Flow Yield	4.81%	83.57%	-8.47%	4.65%	3.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	25.61	20.79	20.84	15.77	-46.39
Price-to-Sales (P/S) Ratio	1.77	0.86	4.46	3.63	3.00
Price-to-Book (P/B) Ratio	0.48	0.26	1.28	0.73	0.66
Price-to-Free Cash Flow (P/FCF) Ratio	20.80	1.20	-11.80	21.53	29.90
Price-to-Operating Cash Flow Ratio	17.39	1.16	-12.68	21.53	24.96
Price-to-Earnings Growth (PEG) Ratio	14.08	-0.26	0.50	-0.04	4.87
Price-to-Fair Value	0.48	0.26	1.28	0.73	0.66
Enterprise Value Multiple	29.96	10.89	8.15	6.61	0.00
Enterprise Value	11.50M	10.17M	16.76M	8.76M	12.86M
EV to EBITDA	29.96	10.89	8.15	6.61	0.00
EV to Sales	1.36	1.33	2.35	1.60	2.19
EV to Free Cash Flow	15.91	1.85	-6.22	9.52	21.76
EV to Operating Cash Flow	13.09	1.79	-6.68	9.52	18.17
Tangible Book Value Per Share	24.18	16.99	99.81	13.40	13.11
Shareholders’ Equity Per Share	29.59	23.62	12.23	13.40	13.11
Tax and Other Ratios
Effective Tax Rate	-0.08	-0.36	0.20	0.10	0.40
Revenue Per Share	7.90	7.17	3.51	2.69	2.90
Net Income Per Share	0.56	0.30	0.75	0.62	-0.19
Tax Burden	1.08	1.36	0.80	1.06	0.60
Interest Burden	-2.68	1.00	1.00	1.00	4.98
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.26	0.07	0.36	0.05	0.04
Stock-Based Compensation to Revenue	>-0.01	0.00	0.00	0.00	0.00
Income Quality	1.51	17.88	-1.64	0.86	-1.86

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