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
Period Ending	Feb '26 Feb 13, 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
Market Capitalization	18	15	12	13	17	20
Market Cap Growth	51.18%	29.07%	-7.88%	-25.75%	-14.36%	12.07%
Last Close Price	17.35	14.16	10.27	11.39	15.15	17.18
PE Ratio	20.45	20.43	21.53	39.73	11.11	15.77
PS Ratio	2.11	1.84	1.48	1.67	2.42	3.21
PB Ratio	0.54	0.47	0.35	0.50	0.68	0.72
P/FCF Ratio	-	22.93	-	2.29	-	21.53
P/OCF Ratio	-	18.04	-	2.22	-	21.53
Debt / Equity Ratio	0.15	0.22	0.00	0.56	-	0.04
Debt / FCF Ratio	-	10.78	-	2.54	-	1.20
Net Debt / Equity Ratio	0.01	0.07	-0.19	0.11	-0.65	-0.36
Net Debt / FCF Ratio	-	3.64	2.06	0.52	5.97	-10.81
Return on Equity (ROE)	2.67%	2.26%	1.86%	1.27%	5.85%	-
Return on Assets (ROA)	0.43%	0.37%	0.27%	0.15%	0.88%	-
Earnings Yield	4.89%	4.90%	4.64%	2.52%	9.00%	6.34%
FCF Yield	-	4.36%	-26.51%	43.74%	-15.90%	4.64%
Dividend Yield	1.04%	1.13%	-	-	1.06%	-
Payout Ratio	-	23.74%	-	64.04%	7.60%	13.77%
Buyback Yield / Dilution	3.84%	2.75%	2.82%	-0.02%	-	4.04%
Total Shareholder Return	4.87%	3.88%	2.82%	-0.02%	1.06%	4.04%

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