Gouverneur Bancorp (GOVB) Net Margin (2022 - 2026)
Gouverneur Bancorp (GOVB) posted quarterly Net Margin of 10.46% for Q1 2026, up 443.0% year-over-year from 1.93% in Q1 2025, and down 20.74% quarter-over-quarter from 13.2% in Q4 2025.
Gouverneur Bancorp (GOVB) Net Margin (2022 - 2026) Analysis & Trends
Gouverneur Bancorp (GOVB) has reported Net Margin for 5 consecutive years, with 10.46% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin rose 443.0% year-over-year to 10.46%; the TTM figure through Mar 2026 stood at 22.57% (up 1498.0% YoY), while the FY2025 annual figure was 8.78%, up 301.0% from the prior year.
- Net Margin retreated to 10.46% in Q1 2026 per GOVB's latest filing, from 13.2% in the prior quarter.
- Across five years, Net Margin topped out at 27.0% in Q3 2025 and bottomed at 25.89% in Q2 2023.
- Historically, Net Margin has averaged 4.89% across 5 years, with a median of 6.5% in 2023.
- Annual changes were most pronounced in 2023 — Net Margin tumbled 4711 bps — and 2024, when it soared 3538 bps.
- Gouverneur Bancorp's Net Margin stood at 2.09% in 2022, then jumped by 194 bps to 6.12% in 2023, then soared by 30 bps to 7.96% in 2024, then jumped by 66 bps to 13.2% in 2025, then fell by 21 bps to 10.46% in 2026.
- Business Quant data shows GOVB's Net Margin at 10.46% in Q1 2026, 13.2% in Q4 2025, and 27.0% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.81 Bn | 84.62 Bn | - | - |
| 2 | Pnc Financial Services | 98.03 Bn | 98.03 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.42 Bn | 96.42 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.18 Bn | -81.14 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.88 Bn | 57.19 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.83 Bn | 61.83 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.96 Bn | 26.24 Bn | - | 23.30% |
| 10 | Gouverneur Bancorp | 20.64 Mn | -8.42 Mn | - | 11.02% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 146.63% |
| Mar 31, 2026 | 10.46% |
| Dec 31, 2025 | 13.20% |
| Sep 30, 2025 | 27.00% |
| Jun 30, 2025 | -24.97% |
| Mar 31, 2025 | 6.04% |
| Dec 31, 2024 | 7.96% |
| Sep 30, 2024 | 6.87% |
| Jun 30, 2024 | 9.49% |
| Mar 31, 2024 | 5.09% |
| Dec 31, 2023 | 6.12% |
| Sep 30, 2023 | 5.20% |
| Jun 30, 2023 | -25.89% |
| Mar 31, 2023 | -2.17% |
| Dec 31, 2022 | 2.09% |
| Sep 30, 2022 | 10.56% |
| Jun 30, 2022 | 21.21% |