Gouverneur Bancorp (GOVB) FCF Payout Ratio (2022 - 2026)
Gouverneur Bancorp (GOVB) posted quarterly FCF Payout Ratio of 0.21 for Q4 2025, down 34.73% year-over-year from 0.32 in Q4 2024, and up 2582.7% quarter-over-quarter from 0.01 in Q3 2025.
Gouverneur Bancorp (GOVB) FCF Payout Ratio (2022 - 2026) Analysis & Trends
Gouverneur Bancorp (GOVB) has reported FCF Payout Ratio for 4 consecutive years, with 0.21 the latest figure, recorded in Q4 2025.
- In Q4 2025, FCF Payout Ratio fell 34.73% year-over-year to 0.21; the TTM figure through Mar 2026 stood at 0.12 (down 56.46% YoY), while the FY2025 annual figure was 0.27, changed N/A from the prior year.
- FCF Payout Ratio improved to 0.21 in Q4 2025 per GOVB's latest filing, from 0.01 in the prior quarter.
- Across five years, FCF Payout Ratio topped out at 0.32 in Q4 2024 and bottomed at 0.07 in Q3 2022.
- Historically, FCF Payout Ratio has averaged 0.1 across 4 years, with a median of 0.06 in 2025.
- Annual changes were most pronounced in 2023 — FCF Payout Ratio jumped 99.65% — and 2025, when it slumped 34.73%.
- Gouverneur Bancorp's FCF Payout Ratio stood at 0.07 in 2022, then soared by 99.65% to 0.0 in 2023, then soared by 139813.82% to 0.32 in 2024, then plunged by 34.73% to 0.21 in 2025.
- Business Quant data shows GOVB's FCF Payout Ratio at 0.21 in Q4 2025, 0.01 in Q3 2025, and 0.12 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 0.32 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 0.17 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 0.67 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | Gouverneur Bancorp | 20.64 Mn | -8.42 Mn | - | -10.78 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -10.78 |
| Dec 31, 2025 | 0.21 |
| Sep 30, 2025 | 0.01 |
| Jun 30, 2025 | 0.12 |
| Dec 31, 2024 | 0.32 |
| Sep 30, 2023 | 0.00 |
| Sep 30, 2022 | -0.07 |