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Gouverneur Bancorp Inc (GOVB)
OTHER OTC:GOVB
US Market

Gouverneur Bancorp (GOVB) Ratios

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Gouverneur Bancorp Ratios

GOVB's free cash flow for Q3 2025 was $0.85. For the 2025 fiscal year, GOVB's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.31 7.60 18.51 0.22 0.00
Quick Ratio
0.31 7.60 22.75 0.22 0.00
Cash Ratio
0.05 1.38 3.96 0.20 0.00
Solvency Ratio
<0.01 <0.01 0.44 0.01 >-0.01
Operating Cash Flow Ratio
<0.01 0.75 -0.66 0.02 0.00
Short-Term Operating Cash Flow Coverage
118.25 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -116.42M$ -123.99M$ 66.64M$ -95.97M$ -94.82M
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.07 0.00 0.00 0.02
Debt-to-Equity Ratio
<0.01 0.56 0.00 0.00 0.11
Debt-to-Capital Ratio
<0.01 0.36 0.00 0.00 0.10
Long-Term Debt-to-Capital Ratio
0.00 0.36 0.00 0.00 0.10
Financial Leverage Ratio
6.27 8.20 8.58 4.96 4.85
Debt Service Coverage Ratio
0.80 1.79 6.21 3.30 0.49
Interest Coverage Ratio
0.42 0.46 7.16 3.40 -1.05
Debt to Market Cap
<0.01 2.12 0.00 0.00 0.17
Interest Debt Per Share
1.56 13.69 0.13 0.18 1.73
Net Debt to EBITDA
-5.81 3.84 -7.32 -8.34 0.00
Profitability Margins
Gross Profit Margin
83.85%100.00%100.00%100.00%100.00%
EBIT Margin
6.70%3.06%26.92%21.73%-2.18%
EBITDA Margin
12.86%12.25%28.85%24.28%0.00%
Operating Profit Margin
6.70%3.45%26.92%22.74%-9.30%
Pretax Profit Margin
6.70%3.06%26.92%21.73%-10.84%
Net Profit Margin
6.58%4.16%21.42%23.02%-6.48%
Continuous Operations Profit Margin
6.58%4.16%21.42%19.55%-6.48%
Net Income Per EBT
98.29%136.05%79.57%105.90%59.72%
EBT Per EBIT
100.00%88.59%100.00%95.57%116.64%
Return on Assets (ROA)
0.32%0.15%0.72%0.93%-0.29%
Return on Equity (ROE)
1.98%1.26%6.15%4.62%-1.43%
Return on Capital Employed (ROCE)
1.72%0.13%0.92%1.55%-0.42%
Return on Invested Capital (ROIC)
1.69%0.13%1.21%1.40%-1.06%
Return on Tangible Assets
0.33%0.16%0.74%4.05%-0.29%
Earnings Yield
3.69%4.81%4.80%6.34%-2.16%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
3.33 2.48 2.26 2.28 2.32
Asset Turnover
0.05 0.04 0.03 0.04 0.05
Working Capital Turnover Ratio
-0.09 0.13 0.61 -0.31 1.02
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.94 5.33 -1.24 0.45 0.35
Free Cash Flow Per Share
0.83 5.18 -1.33 0.45 0.29
CapEx Per Share
0.11 0.15 0.09 0.00 0.06
Free Cash Flow to Operating Cash Flow
0.88 0.97 1.07 1.00 0.83
Dividend Paid and CapEx Coverage Ratio
3.35 15.62 -8.25 5.32 2.16
Capital Expenditure Coverage Ratio
8.68 35.43 -13.35 0.00 6.05
Operating Cash Flow Coverage Ratio
20.57 0.41 0.00 0.00 0.24
Operating Cash Flow to Sales Ratio
0.10 0.74 -0.35 0.17 0.12
Free Cash Flow Yield
4.68%83.57%-8.47%4.65%3.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
27.10 20.79 20.84 15.77 -46.39
Price-to-Sales (P/S) Ratio
1.86 0.86 4.46 3.63 3.00
Price-to-Book (P/B) Ratio
0.54 0.26 1.28 0.73 0.66
Price-to-Free Cash Flow (P/FCF) Ratio
21.35 1.20 -11.80 21.53 29.90
Price-to-Operating Cash Flow Ratio
18.08 1.16 -12.68 21.53 24.96
Price-to-Earnings Growth (PEG) Ratio
3.04 -0.26 0.50 -0.04 4.87
Price-to-Fair Value
0.54 0.26 1.28 0.73 0.66
Enterprise Value Multiple
8.68 10.89 8.15 6.61 0.00
Enterprise Value
10.71M 10.17M 16.76M 8.76M 12.86M
EV to EBITDA
8.68 10.89 8.15 6.61 0.00
EV to Sales
1.12 1.33 2.35 1.60 2.19
EV to Free Cash Flow
12.79 1.85 -6.22 9.52 21.76
EV to Operating Cash Flow
11.32 1.79 -6.68 9.52 18.17
Tangible Book Value Per Share
25.62 16.99 99.81 13.40 13.11
Shareholders’ Equity Per Share
31.21 23.62 12.23 13.40 13.11
Tax and Other Ratios
Effective Tax Rate
0.02 -0.36 0.20 0.10 0.40
Revenue Per Share
9.53 7.17 3.51 2.69 2.90
Net Income Per Share
0.63 0.30 0.75 0.62 -0.19
Tax Burden
0.98 1.36 0.80 1.06 0.60
Interest Burden
1.00 1.00 1.00 1.00 4.98
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.40 0.07 0.36 0.05 0.04
Stock-Based Compensation to Revenue
<0.01 0.00 0.00 0.00 0.00
Income Quality
1.50 17.88 -1.64 0.86 -1.86
Currency in USD