Gouverneur Bancorp Income Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Interest Income on Loans	6.99	6.86	6.54	6.08	4.01	4.12
Interest Income on Investments	1.75	1.81	2.02	2.08	0.53	0.35
Total Interest Income	8.74	8.67	8.57	8.16	4.55	4.47
Interest Paid on Deposits	1.45	1.51	1.23	0.35	0.26	0.2
Interest Paid on Borrowings	0.07	0.01	0.19	0.23	0	0.16
Total Interest Expense	1.53	1.52	1.42	0.57	0.27	0.37
Net Interest Income	7.21	7.15	7.15	7.59	4.28	4.1
Net Interest Income Growth (YoY)	1.46%	0.01%	-5.86%	77.42%	4.32%	-8.64%
Gain (Loss) on Sale of Assets	-	-	-0.01	-	-0	-0
Gain (Loss) on Sale of Investments	0.09	0.09	0.01	-0.66	-	0.05
Other Non-Interest Income	1.07	0.97	0.77	0.73	2.81	2.05
Total Non-Interest Income	1.16	1.06	0.77	0.07	2.81	2.09
Non-Interest Income Growth (YoY)	33.03%	36.66%	987.32%	-97.47%	34.08%	-
Revenues Before Loan Losses	8.37	8.2	7.92	7.66	7.08	6.19
Provision for Loan Losses	0.06	0.06	0.07	0.12	0.06	0.02
Revenue	8.31	8.14	7.85	7.54	7.02	6.18
Revenue Growth (YoY)	4.38%	3.76%	4.08%	7.38%	13.71%	45.63%
Salaries and Employee Benefits	3.47	3.44	3.56	3.44	2.29	2.63
Occupancy Expenses	0.02	-	-	-	-	-
Selling, General & Administrative	2.46	2.47	2.57	2.42	2.13	1.51
Other Non-Interest Expense	1.42	1.41	1.24	1.42	0.65	0.8
Total Non-Interest Expense	7.37	7.35	7.37	7.31	5.1	5.01
EBT Excluding Unusual Items	0.94	0.79	0.48	0.23	1.92	1.17
Pretax Income	0.94	0.79	0.48	0.23	1.92	1.17
Income Tax Expense	0.08	0.06	-0.06	-0.08	0.39	-0.09
Net Income	0.86	0.73	0.54	0.32	1.53	1.26
Net Income to Common	0.86	0.73	0.54	0.32	1.53	1.26
Net Income Growth	48.02%	35.99%	70.03%	-79.24%	21.58%	-
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-3.37%	-2.75%	-2.82%	0.02%	-	-4.04%
EPS (Basic)	0.84	0.72	0.51	0.29	1.41	1.16
EPS (Diluted)	0.84	0.72	0.51	0.29	1.41	1.16
EPS Growth	53.54%	40.36%	74.32%	-79.19%	21.28%	-
Dividend Per Share	0.170	0.160	-	-	0.160	-
Dividend Growth	112.50%	-	-	-	-	-
Effective Tax Rate	8.61%	7.57%	-	-	20.43%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.