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Gouverneur Bancorp Inc (GOVB)
OTHER OTC:GOVB
US Market
GOVB
Gouverneur Bancorp
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Gouverneur Bancorp (GOVB) Ratios

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Gouverneur Bancorp Ratios

GOVB's free cash flow for Q3 2026 was $0.84. For the 2026 fiscal year, GOVB's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Sep 24Sep 23Sep 22
Liquidity Ratios
Current Ratio
 5.93K 0.29 0.32 0.38 0.38
Quick Ratio
 5.93K 0.29 0.32 0.38 0.38
Cash Ratio
 905.57 0.03 0.04 0.07 0.08
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 146.43 <0.01 -0.02 0.03 -0.01
Short-Term Operating Cash Flow Coverage
 146.43 0.12 -135.36 0.41 0.00
Net Current Asset Value
$ -124.39M$ -120.83M$ -112.78M$ -118.27M$ -117.75M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.04 <0.01 0.07 0.00
Debt-to-Equity Ratio
 0.12 0.22 <0.01 0.56 0.00
Debt-to-Capital Ratio
 0.11 0.18 <0.01 0.36 0.00
Long-Term Debt-to-Capital Ratio
 0.11 0.18 0.00 0.36 0.00
Financial Leverage Ratio
 6.07 6.18 6.02 8.20 8.58
Debt Service Coverage Ratio
 0.93 0.15 0.82 0.07 6.21
Interest Coverage Ratio
 0.68 0.52 0.34 0.41 7.16
Debt to Market Cap
 0.17 0.96 <0.01 2.26 0.00
Interest Debt Per Share
 5.36 8.36 1.41 13.69 0.25
Net Debt to EBITDA
 -1.56 1.75 -5.60 3.31 -7.32
Profitability Margins
Gross Profit Margin
84.19%83.78%84.09%91.59%95.53%
EBIT Margin
10.35%8.16%5.09%2.83%26.10%
EBITDA Margin
14.80%13.99%12.03%11.38%27.97%
Operating Profit Margin
10.35%8.16%5.09%2.83%26.10%
Pretax Profit Margin
10.35%8.16%5.09%2.83%26.10%
Net Profit Margin
9.71%7.54%5.76%3.85%20.77%
Continuous Operations Profit Margin
9.71%7.54%5.76%3.85%20.77%
Net Income Per EBT
93.88%92.43%113.24%136.05%79.57%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.49%0.37%0.27%0.15%0.72%
Return on Equity (ROE)
3.01%2.28%1.65%1.26%6.15%
Return on Capital Employed (ROCE)
0.53%1.81%1.27%0.59%7.60%
Return on Invested Capital (ROIC)
1.97%1.44%1.27%0.44%6.04%
Return on Tangible Assets
0.51%0.38%0.28%0.16%0.74%
Earnings Yield
4.15%5.02%4.88%2.57%9.18%
Efficiency Ratios
Receivables Turnover
 16.13 15.45 0.00 1.65 1.28
Payables Turnover
 0.00 0.00 0.00 0.09 0.09
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.28 3.35 3.20 2.68 2.33
Asset Turnover
 0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
 0.43 -0.09 -0.09 -0.07 -0.08
Cash Conversion Cycle
 22.62 23.62 0.00 -3.77K -3.94K
Days of Sales Outstanding
 22.62 23.62 0.00 221.54 284.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 3.99K 4.22K
Operating Cycle
 22.62 23.62 0.00 221.54 284.73
Cash Flow Ratios
Operating Cash Flow Per Share
 0.99 0.81 -2.83 5.33 -2.36
Free Cash Flow Per Share
 0.76 0.64 -2.92 5.18 -2.54
CapEx Per Share
 0.23 0.17 0.09 0.15 0.18
Free Cash Flow to Operating Cash Flow
 0.77 0.79 1.03 0.97 1.07
Dividend Paid and CapEx Coverage Ratio
 3.08 2.36 -30.39 15.62 -8.25
Capital Expenditure Coverage Ratio
 4.31 4.69 -30.39 35.43 -13.35
Operating Cash Flow Coverage Ratio
 0.26 0.12 -45.12 0.41 0.00
Operating Cash Flow to Sales Ratio
 0.10 0.09 -0.32 0.69 -0.34
Free Cash Flow Yield
3.24%4.48%-27.87%44.59%-16.21%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 23.85 19.79 20.47 38.97 10.90
Price-to-Sales (P/S) Ratio
 2.40 1.50 1.18 1.50 2.26
Price-to-Book (P/B) Ratio
 0.72 0.45 0.34 0.49 0.67
Price-to-Free Cash Flow (P/FCF) Ratio
 30.83 22.35 -3.59 2.24 -6.17
Price-to-Operating Cash Flow Ratio
 23.08 17.58 -3.71 2.18 -6.63
Price-to-Earnings Growth (PEG) Ratio
 0.42 0.48 0.29 -0.49 0.41
Price-to-Fair Value
 0.72 0.45 0.34 0.49 0.67
Enterprise Value Multiple
 14.66 12.48 4.21 16.49 0.77
Enterprise Value
 21.92M 16.98M 4.73M 15.45M 1.58M
EV to EBITDA
 14.66 12.48 4.21 16.49 0.77
EV to Sales
 2.17 1.75 0.51 1.88 0.21
EV to Free Cash Flow
 27.86 26.00 -1.54 2.81 -0.58
EV to Operating Cash Flow
 21.39 20.45 -1.59 2.73 -0.63
Tangible Book Value Per Share
 26.59 25.95 25.51 17.67 17.24
Shareholders’ Equity Per Share
 31.70 31.36 31.12 23.62 23.35
Tax and Other Ratios
Effective Tax Rate
 0.06 0.08 -0.13 -0.36 0.20
Revenue Per Share
 9.78 9.49 8.88 7.74 6.92
Net Income Per Share
 0.95 0.72 0.51 0.30 1.44
Tax Burden
 0.94 0.92 1.13 1.36 0.80
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 >-0.01 0.07 0.42 0.45 0.35
Stock-Based Compensation to Revenue
 0.01 <0.01 0.00 0.00 0.00
Income Quality
 1.04 1.13 -5.53 17.88 -1.64
Currency in USD