Gouverneur Bancorp Cash Flow 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
Net Income	0.86	0.73	0.54	0.32	1.53	1.26
Depreciation & Amortization	0.55	0.57	0.65	0.7	0.14	0.14
Other Amortization	0.08	0.07	0.08	0.09	0.11	0.14
Gain (Loss) on Sale of Assets	-0	-0	-0	-0.03	-0.02	-0.01
Gain (Loss) on Sale of Investments	-0.54	-0.57	-0.65	-0.04	-0.03	-0.02
Total Asset Writedown	-	-	-	0.02	0.03	0.03
Provision for Credit Losses	0.06	0.06	0.07	0.12	0.06	0.02
Accrued Interest Receivable	-0.53	0.16	-0.1	0.53	-2.3	0.58
Other Operating Activities	0.3	-0.16	-0.23	-0.26	0.25	0.55
Operating Cash Flow	0.95	0.83	-2.98	5.67	-2.51	0.92
Operating Cash Flow Growth	7.96%	-	-	-	-	-
Capital Expenditures	-0.13	-0.18	-0.1	-0.16	-0.19	-
Cash Acquisitions	-	-	-	-	1.91	-
Investment in Securities	2.48	4.39	5.51	3.06	0.19	-4.57
Income (Loss) Equity Investments	-0.07	-0.07	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-8.47	-7.5	0.68	-0.72	-2.13	0.26
Other Investing Activities	-0.19	-0.27	0.74	-0.4	0.17	0.18
Investing Cash Flow	-6.31	-3.56	6.84	1.77	-0.05	-4.13
Short-Term Debt Issued	-	7	-	13.99	8.5	0.9
Total Debt Issued	7	7	-	13.99	8.5	0.9
Short-Term Debt Repaid	-	-	-13.99	-	-8.5	-3.9
Total Debt Repaid	-2	-	-13.99	-	-8.5	-3.9
Net Debt Issued (Repaid)	5	7	-13.99	13.99	-	-3
Issuance of Common Stock	-	-	4.93	-	-	-
Repurchase of Common Stock	-0.76	-0.7	-	-	-	-
Common Dividends Paid	-0.18	-0.17	-	-0.2	-0.12	-0.17
Net Increase (Decrease) in Deposit Accounts	-1.15	-5.12	1.12	-25.17	6.01	9.6
Other Financing Activities	0.15	0.02	0.04	0.01	-0.04	0.03
Financing Cash Flow	3.06	1.02	-7.89	-11.38	5.85	6.45
Net Cash Flow	-2.3	-1.71	-4.04	-3.94	3.3	3.24
Free Cash Flow	0.82	0.65	-3.08	5.51	-2.7	0.92
Free Cash Flow Growth	13.83%	-	-	-	-	-
Free Cash Flow Margin	9.90%	8.02%	-39.19%	73.05%	-38.40%	14.90%
Free Cash Flow Per Share	0.81	0.64	-2.92	5.08	-2.49	0.85
Cash Interest Paid	1.53	1.5	1.47	0.53	0.3	0.37

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