Gouverneur Bancorp Ratios (2022-2026) | GOVB

Ratios Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025 Mar2026
Profitability
EBT Margin (Quarter) 25.09%28.81%0.56%-6.73%11.50%4.90%5.18%4.24%9.14%5.59%7.91%5.22%12.97%12.15%14.12%10.66%
EBIT Margin (Quarter) 29.10%31.07%2.23%-2.83%20.32%19.24%21.78%21.06%29.00%23.89%27.87%25.17%30.40%29.04%33.03%28.78%
EBITDA Margin (Quarter) 29.10%31.07%2.23%-2.83%20.32%19.24%21.78%21.06%29.00%23.89%27.87%25.17%30.40%29.04%33.03%28.78%
Net Margin (Quarter) 21.21%38.64%2.56%-2.66%10.94%4.29%6.05%5.09%9.39%3.07%7.96%6.04%10.50%11.64%13.20%10.46%
FCF Margin (Quarter) -32.79%-5.74%33.88%32.81%218.03%-180.63%-1.70%8.78%15.38%13.69%-22.66%33.59%5.84%20.47%9.69%
Efficiency
Assets Average (Quarter) 204.51M205.41M204.32M199.38M196.16M197.02M197.07M197.04M197.62M200.20M200.10M
Equity Average (Quarter) 25.24M25.39M26.14M26.30M25.68M28.58M31.90M31.72M32.23M32.25M31.55M31.38M31.75M32.37M32.68M
Invested Capital (Quarter) 25.66M24.83M25.94M26.34M26.25M25.11M32.06M31.73M31.70M32.77M31.74M31.36M31.40M32.11M32.62M32.73M
Asset Utilization Ratio (Quarter) 0.040.040.040.040.040.040.040.040.040.040.04
Leverage & Solvency
Interest Coverage Ratio (Quarter) 7.2713.741.33-0.722.301.341.311.251.461.311.401.261.741.721.751.59
Debt to Equity (Quarter) 0.040.560.040.020.160.010.040.020.040.220.150.02
Debt Ratio (Quarter) 0.010.070.010.000.030.000.010.000.010.040.020.00
Equity Ratio (Quarter) 0.120.130.120.160.160.160.170.160.160.160.160.160.17
Times Interest Earned (Quarter) 7.2713.741.33-0.722.301.341.311.251.461.311.401.261.741.721.751.59
Dividends & Payouts
FCF Payout Ratio (Quarter) -0.070.000.320.120.010.21
Valuation
Enterprise Value (Quarter) -15.39M-8.00M-57.03M-8.19M-10.18M-6.32M-6.38M-7.01M-7.87M-7.21M-4.66M-4.71M-5.97M
Return Ratios
Return on Sales (Quarter) 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%
Return on Invested Capital (Quarter) 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%
Return on Assets (Quarter) 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Return on Equity (Quarter) 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%