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Gouverneur Bancorp, Inc. GOVB

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Price alert · GOVB

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21.18 USD 0.00 0.00%

At close · Oct 30

Day range unavailable

14.49 52-week range 23.37
YTD
+21.03%
1 year
+51.29%
Open
—
Prev close
21.18
Mkt cap
22.43M
Vol
0
Avg vol
1.05K
EPS
0.96
P/E
22.06
More statistics
Low
—
High
—
Earnings
Aug 9, 2024

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C-1 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E -10.1×
FY 2017: 18.9×FY 2018: 18.1×FY 2019: -20.8×FY 2020: -24.9×FY 2021: 8.6×FY 2022: 10.9×FY 2023: 38.7×FY 2024: 20.5×FY 2025: 19.8×FY 2026: -10.1×
FY 2017 5y median 19.8× FY 2026
P/S 3.8×
FY 2017: 4.4×FY 2018: 5.6×FY 2019: 2.0×FY 2020: 2.0×FY 2021: 1.6×FY 2022: 2.3×FY 2023: 1.5×FY 2024: 1.2×FY 2025: 1.5×FY 2026: 3.8×
FY 2017 5y median 1.5× FY 2026
P/B 0.8×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.5×FY 2026: 0.8×
FY 2017 5y median 0.5× FY 2026
P/FCF 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 7.5×FY 2020: 16.2×FY 2021: 11.7×FY 2022: -6.2×FY 2023: 2.2×FY 2024: -3.6×FY 2025: 22.3×FY 2026: 0.0×
FY 2017 5y median 0.0× FY 2026
EV/EBITDA -3.7×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: -24.7×FY 2020: -9.4×FY 2021: -0.2×FY 2022: 0.8×FY 2023: 16.5×FY 2024: 4.2×FY 2025: 12.5×FY 2026: -3.7×
FY 2017 5y median 4.2× FY 2026
EV/Sales 1.9×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 3.4×FY 2020: 1.0×FY 2021: -0.0×FY 2022: 0.2×FY 2023: 1.9×FY 2024: 0.5×FY 2025: 1.7×FY 2026: 1.9×
FY 2017 5y median 1.7× FY 2026
FCF Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 13.4%FY 2020: 6.2%FY 2021: 8.6%FY 2022: -16.2%FY 2023: 44.6%FY 2024: -27.9%FY 2025: 4.5%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026

Profitability

Gross Margin 71.2%
FY 2017: 100.0%FY 2018: 100.0%FY 2019: 86.2%FY 2020: 87.9%FY 2021: 94.1%FY 2022: 95.5%FY 2023: 91.6%FY 2024: 84.1%FY 2025: 83.8%FY 2026: 71.2%
FY 2017 5y median 84.1% FY 2026
Operating Margin -51.0%
FY 2017: 78.9%FY 2018: 33.1%FY 2019: -15.8%FY 2020: -13.3%FY 2021: 17.9%FY 2022: 26.1%FY 2023: 2.8%FY 2024: 5.1%FY 2025: 8.2%FY 2026: -51.0%
FY 2017 5y median 5.1% FY 2026
Net Margin -37.8%
FY 2017: 23.3%FY 2018: 30.9%FY 2019: -9.9%FY 2020: -7.9%FY 2021: 19.2%FY 2022: 20.8%FY 2023: 3.9%FY 2024: 5.8%FY 2025: 7.5%FY 2026: -37.8%
FY 2017 5y median 5.8% FY 2026
ROE -7.7%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: -1.6%FY 2020: -1.4%FY 2021: 4.6%FY 2022: 6.2%FY 2023: 1.3%FY 2024: 1.6%FY 2025: 2.3%FY 2026: -7.7%
FY 2017 5y median 1.6% FY 2026
ROIC -1.2%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: -2.0%FY 2020: -1.2%FY 2021: 3.4%FY 2022: 6.0%FY 2023: 0.4%FY 2024: 1.3%FY 2025: 1.4%FY 2026: -1.2%
FY 2017 5y median 1.3% FY 2026
ROA -1.2%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: -0.4%FY 2020: -0.3%FY 2021: 0.9%FY 2022: 0.7%FY 2023: 0.2%FY 2024: 0.3%FY 2025: 0.4%FY 2026: -1.2%
FY 2017 5y median 0.3% FY 2026

Growth (YoY)

Revenue -37.0%
FY 2017: -0.1%FY 2018: -7.4%FY 2019: -28.9%FY 2020: 2.1%FY 2021: 36.0%FY 2022: 12.6%FY 2023: 12.0%FY 2024: 13.6%FY 2025: 4.0%FY 2026: -37.0%
FY 2017 FY 2026
Operating Income -493.8%
FY 2017: 0.8%FY 2018: -61.2%FY 2019: -134.0%FY 2020: 14.2%FY 2021: 283.4%FY 2022: 64.0%FY 2023: -87.9%FY 2024: 104.3%FY 2025: 66.6%FY 2026: -493.8%
FY 2017 FY 2026
EPS (diluted) -412.5%
FY 2017: 16.9%FY 2018: 23.7%FY 2019: -141.5%FY 2020: 51.3%FY 2021: 710.5%FY 2022: 24.1%FY 2023: -79.2%FY 2024: 70.0%FY 2025: 41.2%FY 2026: -412.5%
FY 2017 FY 2026
Free Cash Flow 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: -54.0%FY 2021: 55.7%FY 2022: -393.2%FY 2023: 304.3%FY 2024: -155.8%FY 2025: 121.2%FY 2026: 0.0%
FY 2017 FY 2026

Financial Health

Current Ratio 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×FY 2026: 0.0×
FY 2017 5y median 0.3× FY 2026
Quick Ratio 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×FY 2026: 0.0×
FY 2017 5y median 0.3× FY 2026
Debt / Equity 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.6×FY 2024: 0.0×FY 2025: 0.2×FY 2026: 0.0×
FY 2017 5y median 0.0× FY 2026
Net Debt / EBITDA 3.8×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: -9.8×FY 2020: 9.4×FY 2021: -8.4×FY 2022: -7.3×FY 2023: 3.3×FY 2024: -5.6×FY 2025: 1.8×FY 2026: 3.8×
FY 2017 5y median 1.8× FY 2026
Interest Coverage -2.1×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: -1.3×FY 2020: -1.2×FY 2021: 3.2×FY 2022: 7.2×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.5×FY 2026: -2.1×
FY 2017 5y median 0.4× FY 2026

Dividends

Dividend Yield 0.8%
FY 2017: 2.4%FY 2018: 2.0%FY 2019: 7.7%FY 2020: 2.2%FY 2021: 1.6%FY 2022: 0.7%FY 2023: 1.6%FY 2024: 0.0%FY 2025: 1.2%FY 2026: 0.8%
FY 2017 5y median 0.8% FY 2026
Payout Ratio -8.0%
FY 2017: 44.5%FY 2018: 36.2%FY 2019: -159.5%FY 2020: -55.4%FY 2021: 13.8%FY 2022: 7.6%FY 2023: 64.0%FY 2024: 0.0%FY 2025: 23.7%FY 2026: -8.0%
FY 2017 5y median 7.6% FY 2026

Annual · latest fiscal year ends 2026-09-30