Gouverneur Bancorp, Inc. (GOVB)

Gouverneur Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	7.14	6.86	6.54	6.08	4.01	4.12
Interest Income on Investments	1.69	1.81	2.02	2.08	0.53	0.35
Total Interest Income	8.83	8.67	8.57	8.16	4.55	4.47
Interest Paid on Deposits	1.4	1.51	1.23	0.35	0.26	0.2
Interest Paid on Borrowings	0.11	0.01	0.19	0.23	0	0.16
Total Interest Expense	1.51	1.52	1.42	0.57	0.27	0.37
Net Interest Income	7.31	7.15	7.15	7.59	4.28	4.1
Net Interest Income Growth (YoY)	3.77%	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	1.09	0.97	0.77	0.73	2.81	2.05
Total Non-Interest Income	1.17	1.06	0.77	0.07	2.81	2.09
Non-Interest Income Growth (YoY)	33.26%	36.66%	987.32%	-97.47%	34.08%	-
Revenues Before Loan Losses	8.49	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	8.43	8.14	7.85	7.54	7.02	6.18
Revenue Growth (YoY)	6.47%	3.76%	4.08%	7.38%	13.71%	45.63%
Salaries and Employee Benefits	3.44	3.44	3.56	3.44	2.29	2.63
Occupancy Expenses	0.05	-	-	-	-	-
Selling, General & Administrative	2.48	2.47	2.57	2.42	2.13	1.51
Other Non-Interest Expense	1.4	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	1.06	0.79	0.48	0.23	1.92	1.17
Pretax Income	1.06	0.79	0.48	0.23	1.92	1.17
Income Tax Expense	0.1	0.06	-0.06	-0.08	0.39	-0.09
Net Income	0.96	0.73	0.54	0.32	1.53	1.26
Net Income to Common	0.96	0.73	0.54	0.32	1.53	1.26
Net Income Growth	60.64%	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)	-2.86%	-2.75%	-2.82%	0.02%	-	-4.04%
EPS (Basic)	0.94	0.72	0.51	0.29	1.41	1.16
EPS (Diluted)	0.94	0.72	0.51	0.29	1.41	1.16
EPS Growth	65.37%	40.36%	74.32%	-79.19%	21.28%	-
Dividend Per Share	0.170	0.160	-	-	0.160	-
Dividend Growth	112.50%	-	-	-	-	-
Effective Tax Rate	9.53%	7.57%	-	-	20.43%	-

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jun 14, 2026

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