Gouverneur Bancorp (GOVB) FCF Margin (2022 - 2026)
Gouverneur Bancorp's FCF Margin was -0.42% in fiscal Q3 2026 (quarter ended Jun 30, 2026), down 34.01 percentage points from 33.59% a year earlier and down 10.11 percentage points from the prior quarter.
Gouverneur Bancorp (GOVB) FCF Margin (2022 - 2026) Analysis & Trends
On a trailing twelve-month basis, Gouverneur Bancorp's FCF Margin was 8.94% through Jun 30, 2026, down 1.46 percentage points year-over-year; for FY2025 (ended Sep 30, 2025), it came in at 7.96%, up 46.80 percentage points from FY2024.
- FCF Margin shows a three-year change of +46.03 percentage points (FY2022 to FY2025).
- In earlier fiscal years, FCF Margin was -38.84% in FY2024 (-110.73 pp), 71.89% in FY2023 (+109.96 pp) and -38.07% in FY2022.
- The fiscal Q3 2026 figure marks the lowest quarterly FCF Margin since fiscal Q2 2025.
- Compared with a year earlier, FCF Margin was higher in four of the last eight quarters, with an average year-over-year change of -1.11 percentage points.
- The best year-over-year quarter for FCF Margin over five years was fiscal Q4 2023 (a gain of 250.82 percentage points); the worst was fiscal Q4 2024 (a drop of 202.65 percentage points).
- Per Business Quant data, GOVB's FCF Margin in the three fiscal quarters before Q3 2026 was 9.69% (Q2 2026), 20.47% (Q1 2026) and 5.84% (Q4 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 881.30 Bn | 881.30 Bn | - | -44.09% |
| 2 | Bank Of America | 354.90 Bn | -2,021.17 Bn | - | 92.03% |
| 3 | Hsbc Holdings | 311.39 Bn | -1,517.77 Bn | - | - |
| 4 | Morgan Stanley | 282.15 Bn | -226.95 Bn | - | -16.70% |
| 5 | Royal Bank Of Canada | 281.68 Bn | -548.32 Bn | - | 189.34% |
| 6 | Goldman Sachs | 255.22 Bn | -3,301.89 Bn | - | 27.55% |
| 7 | Mitsubishi Ufj Financial | 249.82 Bn | -82.42 Bn | 10.89 Bn | - |
| 8 | Wells Fargo & Company | 249.49 Bn | 251.62 Bn | - | 29.95% |
| 9 | Toronto Dominion Bank | 210.53 Bn | -465.35 Bn | - | -34.71% |
| 10 | Gouverneur Bancorp | 22.45 Mn | -80.43 Mn | - | -0.42% |
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -0.42% |
| Mar 31, 2026 | 9.69% |
| Dec 31, 2025 | 20.47% |
| Sep 30, 2025 | 5.84% |
| Jun 30, 2025 | 33.59% |
| Mar 31, 2025 | -22.66% |
| Dec 31, 2024 | 13.69% |
| Sep 30, 2024 | 15.38% |
| Jun 30, 2024 | 8.78% |
| Mar 31, 2024 | -1.70% |
| Dec 31, 2023 | -180.63% |
| Sep 30, 2023 | 218.03% |
| Jun 30, 2023 | 32.81% |
| Mar 31, 2023 | 33.88% |
| Dec 31, 2022 | -5.74% |
| Sep 30, 2022 | -32.79% |
Gouverneur Bancorp FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=GOVB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "GOVB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=GOVB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();