Gouverneur Bancorp, Inc./MD/

GOVB

Gouverneur Bancorp, Inc./MD/

GOVB

Insider Sentiment (TTM):

Last Purchase:2026-05-15Last Sale:-Shares Purchased (TTM):4,150Shares Sold (TTM):0

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-08-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Financial Asset Originated	-	-	-	-	-	-	-	-	-	-	77	0
Financial Asset Acquired	-	-	-	-	-	-	28	29	-1	4	27	0
Cash And Due From Banks	4	4	3	4	5	5	4	4	4	8	7	9
Interest Bearing Deposits In Banks	2	2	1	1	2	3	3	2	2	2	2	1
Cash And Cash Equivalents At Carrying Value	6	6	5	5	7	8	7	6	6	10	8	10
Debt Securities Available For Sale Excluding Accru…	35	39	43	41	42	43	44	45	44	48	49	47
Available For Sale Securities Debt Securities	-	-	-	-	-	-	-	-	-	-	-	47
Financing Receivable Excluding Accrued Interest Af…	-	132	133	132	126	125	125	124	123	124	125	125
Assets
Assets	199	198	202	199	197	197	197	197	195	204	205	206
Federal Home Loan Bank Stock	1	1	1	1	1	1	1	1	1	1	1	1
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	-	-	125
Bank Owned Life Insurance	7	7	7	7	7	7	7	7	7	7	7	7
Property Plant And Equipment Net	3	3	3	3	3	3	3	3	3	3	3	3
Real Estate Acquired Through Foreclosure	0	0	0	0	0	-	0	-	-	0	0	0
Finite Lived Intangible Assets Net	1	1	1	1	1	1	2	2	2	2	2	2
Goodwill	4	4	4	4	4	4	4	4	4	4	4	4
Interest Receivable And Other Assets	5	4	5	4	5	5	5	5	5	5	5	5
Liabilities
Noninterest Bearing Deposit Liabilities	19	18	18	18	17	17	16	18	18	18	19	25
Deposits Money Market Deposits And Negotiable Orde…	49	51	52	47	49	50	47	48	48	56	48	43
Deposits
Deposits	156	160	159	155	159	162	160	160	153	163	160	159
Deposits Savings Deposits	50	53	52	54	56	57	59	58	55	59	64	67
Time Deposits	38	38	37	36	38	39	38	36	33	30	29	25
Advances From Federal Home Loan Banks	4	1	5	7	-	-	-	0	5	5	7	14
Advance Payments By Borrowers For Taxes And Insura…	1	1	1	1	1	1	1	0	1	1	1	0
Accrued Liabilities And Other Liabilities	5	4	4	4	5	4	4	4	4	4	4	8
Liabilities	166	166	169	166	165	166	165	164	163	172	173	181
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	6	6	6	7	7	6	6	6	6	6	6	5
Deferred Compensation Equity	-0	-0	-0	-1	-1	-1	-1	-1	-1	-1	-1	-
Stockholders Equity
Stockholders Equity	33	33	33	32	31	31	32	33	32	32	32	25
Retained Earnings Accumulated Deficit	30	29	29	29	29	29	28	28	28	28	28	28
Accumulated Other Comprehensive Income Loss Net Of…	-2	-2	-2	-2	-3	-3	-3	-2	-3	-2	-2	-4
Treasury Stock Common Value	-1	-1	-1	-1	-1	-1	-0	-	-	-	-	-4
Liabilities And Stockholders Equity	199	198	202	199	197	197	197	197	195	204	205	206
Held To Maturity Securities Fair Value	-	-	-	-	-	-	-	-	-	-	-	0
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	1
Financing Receivable Allowance For Credit Loss Exc…	-	1	1	1	1	1	1	1	1	1	1	1
Financing Receivable Unamortized Purchase Premium …	-	1	1	1	1	1	1	1	-	-	-	1
Financing Receivable Unamortized Loan Fee Cost	-	0	0	0	0	0	0	0	-	-	-	0
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	25	25	25	25	25	25	25	25	25	25	25	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	-	-	-	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	75	75	75	75	75	75	75	75	75	75	75	9
Common Stock Shares Issued	1	1	1	1	1	1	1	1	1	1	1	2
Shares Outstanding	1	1	1	1	1	1	1	1	-	-	-	-
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.15%	2.31%	9.51%	2.37%	3.42%	9.79%	-	-	-	-	-	-
2025	2.42%	-1.29%	-2.34%	3.49%	1.59%	7.94%	6.42%	4.68%	-2.30%	0.57%	-0.86%	0.86%
2024	2.52%	-1.68%	-6.80%	-2.61%	0.20%	5.32%	5.26%	10.32%	21.05%	0.00%	-2.40%	1.60%
2023	-	-	-	-	-	-	-16.13%	-13.88%	-6.65%	3.64%	0.00%	-3.18%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.86	-0.86	-0.87	-0.89	-0.91	-0.92	-0.79	-0.57	-0.13	1.34	-	-
Per Share Metrics
Diluted EPS TTM	0.95	0.93	0.83	0.72	0.63	0.58	0.55	0.51	0.46	0.51	-	-
Free Cash Flow Per Share TTM	0.74	1.42	0.80	0.64	0.83	0.30	0.68	-2.92	0.88	1.85	-	-
Dividend Per Share TTM	0.19	0.17	0.17	0.17	0.17	0.09	0.08	0.00	0.19	0.39	-	-
Margin Metrics
Gross Profit Margin TTM	82.77%	82.85%	82.52%	82.48%	82.36%	81.99%	82.62%	83.44%	88.59%	90.10%	-	-
Operating Profit Margin TTM	11.73%	12.01%	10.77%	9.15%	7.44%	6.41%	6.21%	5.56%	2.81%	3.37%	-	-
Net Profit Margin TTM	11.01%	10.86%	9.84%	8.46%	7.32%	6.95%	6.75%	6.29%	3.89%	4.32%	-	-
Growth Metrics
Net Revenue Growth (1Y)	3.34%	2.70%	1.59%	1.18%	-31.28%	-30.88%	-	-	-	-	-	-
Net Income Growth (1Y)	55.47%	60.64%	48.02%	35.99%	29.30%	11.17%	-	-	-	-	-	-
EPS Growth (1Y)	51.55%	60.79%	51.18%	39.84%	35.34%	13.33%	-	-	-	-	-	-
Valuation Metrics
P/E TTM	20.78	18.80	20.90	19.69	20.10	21.25	21.56	19.97	21.00	20.85	-	-
P/B TTM	0.62	0.55	0.55	0.45	0.40	0.40	0.39	0.33	0.32	0.35	0.35	0.92
P/S TTM	2.29	2.04	2.06	1.67	1.47	1.48	1.46	1.26	0.82	0.90	-	-
Market Cap	20.38M	18.03M	17.97M	14.43M	12.68M	12.68M	12.53M	10.76M	10.25M	11.19M	11.27M	23.03M
Enterprise Value	14.04M	12.05M	13.27M	9.77M	5.48M	4.81M	5.52M	4.39M	3.97M	1.08M	3.19M	12.62M
Calculated Values
Free Cash Flow TTM	764.00K	1.47M	823.00K	653.00K	837.00K	314.00K	721.00K	-3.08M	928.00K	1.95M	-	-
Net Debt	-6.34M	-5.97M	-4.71M	-4.66M	-7.21M	-7.87M	-7.01M	-6.37M	-6.28M	-10.11M	-8.08M	-10.41M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-15Purchase

Owner: Pelkey, Duane Milton

Title: -

Shares: 100

Price/Share: $18.94

Value: $1,894.00

Shares Owned: 6,100

Relationship: Director

Ownership: Indirect

2026-05-01Purchase

Owner: Pelkey, Duane Milton

Title: -

Shares: 750

Price/Share: $19.00

Value: $14,250.00

Shares Owned: 750

Relationship: Director

Ownership: Direct

2026-02-11Purchase

Owner: Pelkey, Duane Milton

Title: -

Shares: 1,000

Price/Share: $17.35

Value: $17,350.00

Shares Owned: 6,000

Relationship: Director

Ownership: Indirect

2025-11-04Purchase

Owner: Pelkey, Duane Milton

Title: -

Shares: 1,000

Price/Share: $14.85

Value: $14,850.00

Shares Owned: 5,000

Relationship: Director

Ownership: Indirect

2025-09-12Purchase

Owner: Campanaro, James Donald

Title: Chief Financial Officer

Shares: 200

Price/Share: $14.90

Value: $2,980.00

Shares Owned: 400

Relationship: Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-15	Pelkey, Duane Milton	Director	-	Indirect	Purchase	100	18.94	$1,894.00	6,100	4
2026-05-01	Pelkey, Duane Milton	Director	-	Direct	Purchase	750	19.00	$14,250.00	750	4
2026-02-11	Pelkey, Duane Milton	Director	-	Indirect	Purchase	1,000	17.35	$17,350.00	6,000	4
2025-11-04	Pelkey, Duane Milton	Director	-	Indirect	Purchase	1,000	14.85	$14,850.00	5,000	4
2025-09-12	Campanaro, James Donald	Officer	Chief Financial Officer	Indirect	Purchase	200	14.90	$2,980.00	400	4
2025-09-03	Campanaro, James Donald	Officer	Chief Financial Officer	Indirect	Purchase	200	15.06	$3,012.00	200	4
2025-08-27	Pelkey, Duane Milton	Director	-	Indirect	Purchase	900	15.00	$13,500.00	4,000	4
2023-10-31	Soper, Chad Brian	Director	-	Direct	Purchase	2,000	10.00	$20,000.00	2,000	4
2023-10-31	Hall, Sadie May	Officer	VP & Compliance Officer	Direct	Purchase	100	10.00	$1,000.00	100	4
2023-10-31	Robbins, Taylor James	Officer	Executive Vice President	Direct	Purchase	750	10.00	$7,500.00	750	4
2023-10-31	Mcclure, David Claren	Director	-	Direct	Purchase	3,000	10.00	$30,000.00	3,000	4
2023-10-31	Mason, John Neil	Director	-	Direct	Purchase	3,000	10.00	$30,000.00	3,000	4
2023-10-31	Adams, Kimberly Ann	Officer	VP and CFO	Direct	Purchase	400	10.00	$4,000.00	400	4
2023-10-31	Rapholz, Amy Marie	Director	-	Direct	Purchase	200	10.00	$2,000.00	738	4
2023-10-31	Cummings, Clara Pistolesi	Director	-	Direct	Purchase	3,000	10.00	$30,000.00	3,000	4
2023-10-31	Monroe, Timothy J	Director	-	Direct	Purchase	3,000	10.00	$30,000.00	8,334	4
2023-10-31	Leader, Henry J	Director	-	Direct	Purchase	2,000	10.00	$20,000.00	9,993	4
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No institutional ownership data available.

Gouverneur Bancorp, Inc./MD/ (GOVB) — SEC Financial Statements & Analysis

Gouverneur Bancorp, Inc./MD/ (GOVB) is a savings institutions, not federally chartered company, incorporated in MD. Gouverneur Bancorp, Inc./MD/ trades on OTC as: GOVB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Gouverneur Bancorp, Inc./MD/ reported a 3.34% year-over-year revenue growth, a Gross Profit Margin of 82.77% (TTM), a Price-to-Sales (P/S) ratio of 2.29x (TTM), a Price-to-Book (P/B) ratio of 0.62x (TTM), at a market cap of $20.38M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.34%
Gross Profit Margin TTM: 82.77%
P/S TTM: 2.29x
P/B TTM: 0.62x
Market Cap: $20.38M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Gouverneur Bancorp, Inc./MD/ in?

Gouverneur Bancorp, Inc./MD/ (GOVB) operates in the Savings Institutions, Not Federally Chartered industry.

What is GOVB's market cap?

Gouverneur Bancorp, Inc./MD/ (GOVB) has a market capitalization of $20.38M as of 2026-06-30.

What is GOVB's P/E ratio?

Gouverneur Bancorp, Inc./MD/ (GOVB)'s trailing twelve month P/E ratio is 20.78x as of 2026-06-30.

What exchange does GOVB trade on?

Gouverneur Bancorp, Inc./MD/ (GOVB) trades on the OTC.

Where is Gouverneur Bancorp, Inc./MD/ incorporated?

Gouverneur Bancorp, Inc./MD/ is incorporated in MD.