See more : Nederman Holding AB (publ) (NHOXF) Income Statement Analysis – Financial Results
Complete financial analysis of Gouverneur Bancorp, Inc. (GOVB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Gouverneur Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Gouverneur Bancorp, Inc. (GOVB)
About Gouverneur Bancorp, Inc.
Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides various banking products and services to individuals and businesses in New York. The company accepts passbook savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. Its loan products include personal, home improvement, automobile and motorcycle, camper and boat, recreational vehicles, passbook, and mortgage loans; and construction, commercial real estate, commercial installment, short-term working capital, and equipment loans, as well as home equity line of credit, and commercial lines of credit and letters of credit. The company also invests in general obligation municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by government-sponsored enterprises. In addition, it offers online, mobile, bill pay, and telephone banking; electronic or paper statements; and ATM, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers, and safe deposit box services. The company serves primarily the St. Lawrence County, and Jefferson and Lewis counties in New York State through two full-service branch offices. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8.57M | 7.62M | 7.13M | 5.46M | 5.88M | 6.52M | 6.62M | 7.14M | 7.15M | 4.95M | 5.24M | 4.80M | 4.22M | 3.67M | 3.62M | 3.33M | 3.31M | 3.00M | 274.00K |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 8.57M | 7.62M | 7.13M | 5.46M | 5.88M | 6.52M | 6.62M | 7.14M | 7.15M | 4.95M | 5.24M | 4.80M | 4.22M | 3.67M | 3.62M | 3.33M | 3.31M | 3.00M | 274.00K |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 671.00K | 529.00K | 2.57M | 298.00K | 259.00K | 223.00K | 496.00K | 0.00 | 0.00 | 1.80M | 1.73M | 1.69M | 1.42M | 1.31M | 1.13M | 1.01M | 957.00K | 800.00K | 647.00K |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 3.26M | 3.36M | 3.45M | 3.24M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 671.00K | 529.00K | 2.57M | 298.00K | 259.00K | 223.00K | 3.74M | 0.00 | 0.00 | 1.80M | 1.73M | 1.69M | 1.42M | 1.31M | 1.13M | 1.01M | 957.00K | 800.00K | 647.00K |
| Other Expenses | 0.00 | 7.05M | -7.78M | -1.73M | -1.52M | -1.34M | -1.47M | -1.51M | -1.56M | -5.29M | -5.07M | -4.95M | -4.22M | -4.03M | -3.45M | -3.11M | -3.11M | -2.80M | 79.00K |
| Operating Expenses | 671.00K | 7.31M | -5.21M | 1.73M | 1.52M | 1.34M | 1.47M | 1.51M | 1.56M | -3.49M | -3.34M | -3.27M | -2.80M | -2.71M | -2.33M | -2.10M | -2.15M | -2.00M | 726.00K |
| Cost & Expenses | 671.00K | 7.31M | -5.21M | 4.43M | 6.52M | 7.27M | 4.57M | 5.48M | 5.72M | -3.49M | -3.34M | -3.27M | -2.80M | -2.71M | -2.33M | -2.10M | -2.15M | -2.00M | 726.00K |
| Interest Income | 0.00 | 8.16M | 4.55M | 4.47M | 5.01M | 5.62M | 0.00 | 0.00 | 0.00 | 8.08M | 7.47M | 6.44M | 5.40M | 5.22M | 5.61M | 5.96M | 5.59M | 4.80M | 4.34M |
| Interest Expense | 1.42M | 570.00K | 268.00K | 365.00K | 522.00K | 581.00K | 0.00 | 0.00 | 0.00 | 3.87M | 3.21M | 2.20M | 1.65M | 1.91M | 2.28M | 2.95M | 2.58M | 2.00M | 1.91M |
| Depreciation & Amortization | 0.00 | 701.00K | 138.00K | 139.00K | 128.00K | 98.00K | -2.19M | 52.52K | 22.82K | 280.00K | 286.00K | 148.00K | 189.00K | 268.00K | 180.00K | 180.00K | 127.00K | 100.00K | 59.00K |
| EBITDA | 0.00 | 934.00K | 2.06M | 1.33M | 0.00 | 0.00 | -124.00K | 1.66M | 1.44M | 1.74M | 2.19M | 1.69M | 1.61M | 1.22M | 1.48M | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 12.25% | 28.85% | 1.85% | 7.19% | 6.76% | -1.87% | 0.74% | 0.32% | 35.14% | 41.71% | 35.09% | 38.05% | 33.30% | 40.81% | 42.39% | 38.84% | 36.67% | 386.50% |
| Operating Income | 7.89M | 263.00K | 1.92M | 1.24M | -547.00K | -625.00K | 2.19M | 5.64M | 5.59M | 1.46M | 1.90M | 1.54M | 1.42M | 953.00K | 1.30M | 1.23M | 1.16M | 1.00M | 1.00M |
| Operating Income Ratio | 92.17% | 3.45% | 26.92% | 22.74% | -9.30% | -9.58% | 33.11% | 78.92% | 78.20% | 29.49% | 36.25% | 32.01% | 33.57% | 25.99% | 35.84% | 36.99% | 35.00% | 33.33% | 364.96% |
| Total Other Income/Expenses | -7.42M | -30.00K | -1.00K | -139.00K | -91.00K | -119.00K | -143.00K | 0.00 | 0.00 | 0.00 | 275.00K | 0.00 | 0.00 | 0.00 | 0.00 | -3.13M | -2.71M | -2.10M | -1.97M |
| Income Before Tax | 476.00K | 233.00K | 1.92M | 1.19M | -638.00K | -744.00K | 2.05M | 1.66M | 1.44M | 1.46M | 1.90M | 1.54M | 1.42M | 953.00K | 1.30M | 1.23M | 1.16M | 1.00M | 1.00M |
| Income Before Tax Ratio | 5.56% | 3.06% | 26.92% | 21.73% | -10.84% | -11.41% | 30.94% | 23.28% | 20.09% | 29.49% | 36.25% | 32.01% | 33.57% | 25.99% | 35.84% | 36.99% | 35.00% | 33.33% | 364.96% |
| Income Tax Expense | 486.00K | -84.00K | 392.00K | 119.00K | -257.00K | -280.00K | 880.00K | 0.00 | 0.00 | 519.00K | 600.00K | 505.00K | 556.00K | 361.00K | 524.00K | 467.00K | 434.00K | 400.00K | 380.00K |
| Net Income | -10.00K | 317.00K | 1.53M | 1.26M | -381.00K | -464.00K | 2.05M | 1.66M | 1.44M | 942.00K | 1.30M | 1.03M | 860.00K | 592.00K | 775.00K | 766.00K | 725.00K | 600.00K | 620.00K |
| Net Income Ratio | -0.12% | 4.16% | 21.42% | 23.02% | -6.48% | -7.12% | 30.94% | 23.28% | 20.09% | 19.01% | 24.80% | 21.49% | 20.39% | 16.14% | 21.39% | 22.98% | 21.90% | 20.00% | 226.28% |
| EPS | 0.51 | 0.16 | 0.75 | 0.53 | -0.19 | -0.21 | 0.94 | 0.76 | 0.65 | 0.42 | 0.58 | 0.46 | 0.39 | 0.27 | 0.35 | 0.35 | 0.33 | 0.15 | 0.26 |
| EPS Diluted | 0.51 | 0.16 | 0.75 | 0.53 | -0.19 | -0.21 | 0.94 | 0.76 | 0.65 | 0.41 | 0.57 | 0.46 | 0.38 | 0.26 | 0.35 | 0.35 | 0.32 | 0.15 | 0.26 |
| Weighted Avg Shares Out | 0.00 | 2.03M | 2.03M | 2.03M | 2.03M | 2.18M | 2.18M | 2.18M | 2.22M | 2.24M | 2.24M | 2.24M | 2.21M | 2.19M | 2.21M | 2.19M | 2.20M | 2.38M | 2.38M |
| Weighted Avg Shares Out (Dil) | 0.00 | 2.03M | 2.03M | 2.03M | 2.03M | 2.18M | 2.18M | 2.18M | 2.22M | 2.30M | 2.28M | 2.24M | 2.26M | 2.28M | 2.21M | 2.19M | 2.27M | 2.38M | 2.38M |
Gouverneur Bancorp Announces Fiscal 2024 Fourth Quarter and Fiscal Year Results
GOUVERNEUR, N.Y., Nov. 15, 2024 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (OTCQB: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), today announced the results for the fourth quarter and full fiscal year ended September...
Gouverneur Bancorp, Inc. Announces Semi-Annual Cash Dividend
GOUVERNEUR, N.Y., Oct. 21, 2024 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (OTCQB Marketplace: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that its Board of Directors has declared a semi-annual cash dividend...
Gouverneur Bancorp, Inc. Announces Appointment of New President and Chief Executive Officer
GOUVERNEUR, N.Y., March 27, 2024 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (OTCQB Marketplace: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that the Board of Directors of the Company and the Bank...
Gouverneur Bancorp, Inc. Announces Closing of Second-Step Conversion and Offering
GOUVERNEUR, N.Y., Oct. 31, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (OTCQB Marketplace: GOVB), the new holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that the conversion of Cambray Mutual Holding Company from mutual to stock...
Gouverneur Bancorp, Inc. Announces Expected Closing Date of Second-Step Conversion
GOUVERNEUR, N.Y., Oct. 27, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that all regulatory approvals have been received to close the...
Gouverneur Bancorp, Inc. Announces Completion of Syndicated Community Offering
GOUVERNEUR, N.Y., Oct. 18, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that Gouverneur Bancorp, Inc., a newly formed Maryland corporation and...
Gouverneur Bancorp, Inc. Commences Syndicated Community Offering
GOUVERNEUR, N.Y., Oct. 04, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that Gouverneur Bancorp, Inc., a newly formed Maryland corporation and...
Gouverneur Bancorp, Inc. Announces Stockholder and Member Approval of Conversion and Further Extension of Conversion Offering
GOUVERNEUR, N.Y., Sept. 29, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that, at separate meetings held today, both the stockholders of...
Gouverneur Bancorp, Inc. Announces Extension of Community Offering
GOUVERNEUR, N.Y., Sept. 20, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that Gouverneur Bancorp, Inc., a newly formed Maryland corporation and...
Gouverneur Bancorp, Inc. Announces Commencement of Second-Step Conversion Stock Offering
GOUVERNEUR, N.Y., Aug. 24, 2023 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (“Gouverneur Bancorp”) (OTC Pink Marketplace: GOVB), the holding company for Gouverneur Savings and Loan Association (the “Bank”), announced today that Gouverneur Bancorp, Inc., a newly formed Maryland holding corporation...
Source: https://incomestatements.info
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