Gouverneur Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Jan '26 Jan 22, 2026	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	2016 - 2020
Market Capitalization	17	15	12	13	17	20	Upgrade
Market Cap Growth	58.19%	29.07%	-7.88%	-25.75%	-14.36%	12.07%	Upgrade
Last Close Price	17.35	14.16	10.27	11.39	15.15	17.18	Upgrade
PE Ratio	24.24	20.43	21.53	39.73	11.11	15.77	Upgrade
PS Ratio	2.12	1.84	1.48	1.67	2.42	3.21	Upgrade
PB Ratio	0.54	0.47	0.35	0.50	0.68	0.72	Upgrade
P/FCF Ratio	26.42	22.93	-	2.29	-	21.53	Upgrade
P/OCF Ratio	20.79	18.04	-	2.22	-	21.53	Upgrade
Debt / Equity Ratio	0.22	0.22	0.00	0.56	-	0.04	Upgrade
Debt / FCF Ratio	10.78	10.78	-	2.54	-	1.20	Upgrade
Return on Equity (ROE)	2.26%	2.26%	1.86%	1.27%	5.85%	-	Upgrade
Return on Assets (ROA)	0.37%	0.37%	0.27%	0.15%	0.88%	-	Upgrade
Earnings Yield	4.25%	4.90%	4.64%	2.52%	9.00%	6.34%	Upgrade
FCF Yield	3.79%	4.36%	-26.51%	43.74%	-15.90%	4.64%	Upgrade
Dividend Yield	1.04%	1.13%	-	-	1.06%	-	Upgrade
Payout Ratio	23.74%	23.74%	-	64.04%	7.60%	13.77%	Upgrade
Buyback Yield / Dilution	2.75%	2.75%	2.82%	-0.02%	-	4.04%	Upgrade
Total Shareholder Return	3.79%	3.88%	2.82%	-0.02%	1.06%	4.04%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.