Gouverneur Bancorp, Inc. Financial Ratios — GOVB Stock

Profitability (USD)

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Return on Common Equity (%)	6.18	6.26	6.07	4.48	6.36	7.35	8.71	5.99	-2.19	-1.47	4.79	5.56	1.12	1.9	2.55
Return on Assets (%)	1	0.97	0.92	0.68	0.89	0.91	1.03	0.72	-0.36	-0.3	0.95	0.88	0.15	0.27	0.37
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.84	5.4	4.97	7.31	4.48	5.66	5.46	5.65	2.38	2.99	2.25	1.95	9.19	8.18	6.91
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35	36.99	35.84	25.99	33.57	31.76	36.25	29.49	-18.04	-14.9	18.97	27.09	3.04	6	9.67
Profit Margin (%)	21.9	22.98	21.39	16.14	20.39	21.32	24.8	19.01	-11.25	-8.9	20.36	21.55	4.14	6.79	8.94
Net Income to Common Margin (%)	21.9	22.98	21.39	16.14	20.39	21.32	24.8	19.01	-11.25	-8.9	20.36	21.55	4.14	6.79	8.94
Effective Tax Rate (%)	37.45	37.88	40.34	37.88	39.27	32.86	31.58	35.52	- -	- -	- -	20.43	- -	- -	7.57
Dvd Payout Ratio (%)	34.76	32.11	27.48	42.57	68.95	26.36	22.62	33.55	-159.48	-55.38	13.77	7.6	64.04	- -	23.74
Sustainable Growth Rate (%)	4.03	4.25	4.4	2.57	1.97	5.41	6.74	3.98	-5.69	-2.28	4.13	5.14	0.4	1.9	1.95

Credit (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Total Debt	4	8	6	6	23	56	35	33	10	3	- -	- -	14	- -	7
ST Debt	4	8	6	- -	- -	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	6	23	37	35	33	10	3	- -	- -	14	- -	7
Total Debt/EBITDA	27.56	44.44	36.11	24.25	121.69	204.38	123.25	118.39	102.04	23.44	- -	- -	19.87	- -	12.35
Net Debt/EBITDA	9.54	28.6	19.18	8.25	107.33	194.65	114.62	104.54	64.28	-37.58	-79.49	-109.14	4.4	-9.82	4.13
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.98	15.07	15.34	14.88	13.11	11.77	11.86	12.1	20.96	19.85	19.82	13.22	13.73	14.41	14.6
Long-Term Debt/Equity (%)	- -	- -	- -	37.02	128.13	196.79	177.54	162.26	33.95	11.27	- -	- -	55.72	- -	21.8
Long-Term Debt/Capital (%)	- -	- -	- -	32.68	62.75	52.19	69.57	67.38	27.59	10.47	- -	- -	33.11	- -	19.45
Long-Term Debt/Total Assets (%)	- -	- -	- -	7.23	22.08	29.99	27.1	25	7.98	2.32	- -	- -	6.8	- -	3.53
Total Debt/Equity (%)	21.89	48.03	37.73	37.02	128.13	299.87	177.54	162.26	33.95	11.27	- -	- -	55.72	- -	21.8
Total Debt/Capital (%)	22.63	39.05	33.25	32.68	62.75	79.53	69.57	67.38	27.59	10.47	- -	- -	33.11	- -	19.45
Total Debt/Total Assets (%)	4.67	9.65	7.64	7.23	22.08	45.71	27.1	25	7.98	2.32	- -	- -	6.8	- -	3.53
Net Debt to Equity	7.58	30.91	20.04	12.6	113.01	285.59	165.1	143.27	21.39	-18.06	-40.32	-60.66	12.34	-19.44	7.29
Net Debt/Capital (%)	9.2	29.19	20.92	14.18	59.77	78.72	68.01	64.59	19.35	-23.07	-70.41	-115.06	9.88	-28.88	7.47
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.98	15.07	15.34	14.88	13.11	11.77	11.86	12.1	20.96	19.85	19.82	13.22	13.73	14.41	14.6
Long-Term Debt/Equity (%)	- -	- -	- -	37.02	128.13	196.79	177.54	162.26	33.95	11.27	- -	- -	55.72	- -	21.8
Long-Term Debt/Capital (%)	- -	- -	- -	32.68	62.75	52.19	69.57	67.38	27.59	10.47	- -	- -	33.11	- -	19.45
Long-Term Debt/Total Assets (%)	- -	- -	- -	7.23	22.08	29.99	27.1	25	7.98	2.32	- -	- -	6.8	- -	3.53
Total Debt/Equity (%)	21.89	48.03	37.73	37.02	128.13	299.87	177.54	162.26	33.95	11.27	- -	- -	55.72	- -	21.8
Total Debt/Capital (%)	22.63	39.05	33.25	32.68	62.75	79.53	69.57	67.38	27.59	10.47	- -	- -	33.11	- -	19.45
Total Debt/Total Assets (%)	4.67	9.65	7.64	7.23	22.08	45.71	27.1	25	7.98	2.32	- -	- -	6.8	- -	3.53
CFO/Total Liabilities	1.82	2.69	1.35	1.55	1.3	-0.77	1.62	1.32	1.52	0.69	0.86	-1.33	3.14	-1.81	0.5
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	8.65	6.05	- -	-13.35	35.43	-30.39	4.69
Altman's Z-Score	0.27	0.25	0.26	0.26	0.23	0.21	0.21	0.21	0.44	0.42	0.43	0.33	0.31	0.29	0.3

Working Capital (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Accounts Receivable Turnover	6.65	6.8	8.15	5.59	4.37	3.87	2.82	2.3	3.97	- -	- -	2.47	1.43	3.18	- -
Days Sales Outstanding	54.9	53.72	44.77	65.25	83.46	94.27	129.36	158.92	91.91	- -	- -	147.75	255.61	114.96	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Market Capitalization	1	- -	1	1	1	1	1	1	18	18	20	32	24	11	15
- Cash & Cash Equivalents	2	3	3	4	3	3	2	4	4	8	11	15	11	6	5
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	8	6	6	23	56	35	33	10	3	- -	- -	14	- -	7
Enterprise Value	2	6	4	3	21	54	34	30	7	-7	-16	-33	-20	-41	-24
Total Capital	15	20	20	20	37	70	51	49	36	29	27	28	42	28	36
Total Debt/Capital (%)	22.63	39.05	33.25	32.68	62.75	79.53	69.57	67.38	27.59	10.47	- -	- -	33.11	- -	19.45
Total Debt / EV	2.04	1.44	1.63	2	1.1	1.04	1.05	1.11	1.44	-0.42	- -	- -	-0.7	- -	-0.29
EV/Sales	0.52	1.67	1.1	0.89	4.98	11.15	6.39	6.03	1.68	1.6	0.03	- -	- -	- -	- -
EV/EBITDA	13.52	30.96	22.09	12.11	111.07	196.97	117.15	106.61	70.73	53.62	1.18	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.6	3.13	4.35	2.89	18.66	- -	18.78	20.24	4.77	9.69	0.18	- -	- -	- -	- -
EV/Free Cash Flow to Firm	1.6	3.13	4.35	2.89	18.66	- -	18.78	20.24	4.28	8.32	0.18	- -	- -	- -	- -
Diluted Market Cap	1	- -	1	1	1	1	1	1	18	18	20	32	24	11	15
Diluted Enterprise Value	2	6	4	3	21	54	34	30	24	13	9	17	27	5	17
EV per Share	0.78	2.55	1.8	1.48	9.52	24.06	14.95	13.31	3.18	3.29	0.08	- -	- -	- -	- -
TTM Sales	3	3	4	4	4	5	5	5	4	4	6	7	8	8	8
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	1	1	1	-1	2	1	1	1	1	-3	6	-3	1
TTM Free Cash Flow to Firm	1	2	1	1	1	-1	2	1	2	1	1	-2	6	-3	1

Multiples (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2000	09/30/2001	09/30/2002	09/30/2003	09/30/2004	09/30/2005	09/30/2006	09/30/2007	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Price/Free Cash Flow	0.49	0.24	0.57	0.95	0.65	-0.8	0.41	0.4	10.92	22.03	21.52	-13.69	4.05	-3.83	14.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	2	6	4	3	21	54	34	30	7	-7	-16	-33	-20	-41	-24
Low Price	0.09	0.11	0.18	0.21	0.25	0.28	0.25	0.24	6.4	1.67	4.58	4.48	11.25	7.25	10.31
EV/Sales	0.52	1.67	1.1	0.89	4.98	11.15	6.39	6.03	1.68	1.6	0.03	- -	- -	- -	- -
EV/EBITDA	13.52	30.96	22.09	12.11	111.07	196.97	117.15	106.61	70.73	53.62	1.18	- -	- -	- -	- -
Price/Earnings	0.7	0.55	0.67	1.75	0.82	0.62	0.56	0.62	- -	- -	15.77	20.82	74.45	20.47	19.79
Price/Earnings Average	0.47	0.55	0.75	1.21	1.02	1.04	0.69	0.86	-57.84	-52.81	14.69	15.72	97.37	20.16	17.87
Price/Earnings High	0.72	1.02	1.3	1.77	1.54	1.52	1.04	1.45	-79.76	-83.61	19.39	24.57	132.11	23.44	23.61
Price/Earnings Low	0.28	0.32	0.5	0.78	0.65	0.62	0.43	0.58	-30.03	-9.13	7.41	5.96	72.08	14.16	14.32
Price/Book Value	0.04	0.03	0.04	0.08	0.05	0.04	0.05	0.04	0.67	0.71	0.74	1.13	0.83	0.39	0.5
Price/Book Value Average	0.03	0.03	0.04	0.05	0.06	0.07	0.06	0.05	1.02	0.78	0.69	0.85	1.09	0.38	0.45
Price/Book Value High	0.04	0.06	0.08	0.08	0.1	0.11	0.09	0.08	1.41	1.24	0.91	1.33	1.48	0.44	0.6
Price/Book Value Low	0.02	0.02	0.03	0.03	0.04	0.04	0.04	0.03	0.53	0.14	0.35	0.32	0.81	0.27	0.36
Price/Tangible Book Value	0.03	0.03	0.03	0.06	0.04	0.03	0.04	0.03	0.6	0.68	0.72	1.73	1.26	0.41	0.55
Price/Tangible Book Value Average	0.02	0.03	0.03	0.04	0.05	0.06	0.05	0.04	0.91	0.76	0.67	1.31	1.64	0.4	0.49
Price/Tangible Book Value High	0.03	0.05	0.06	0.06	0.07	0.08	0.07	0.07	1.26	1.2	0.89	2.05	2.23	0.47	0.65
Price/Tangible Book Value Low	0.01	0.01	0.02	0.03	0.03	0.03	0.03	0.03	0.47	0.13	0.34	0.5	1.22	0.28	0.39
Price/Sales	0.15	0.13	0.14	0.28	0.17	0.13	0.14	0.12	4.29	4.24	3.21	4.49	3.08	1.39	1.77
Price/Sales Average	0.1	0.13	0.16	0.2	0.21	0.22	0.17	0.16	6.51	4.7	2.99	3.39	4.03	1.37	1.6
Price/Sales High	0.16	0.24	0.28	0.29	0.31	0.32	0.26	0.28	8.97	7.44	3.95	5.29	5.47	1.59	2.11
Price/Sales Low	0.06	0.07	0.11	0.13	0.13	0.13	0.11	0.11	3.38	0.81	1.51	1.28	2.98	0.96	1.28
Price/Cash Flow	0.47	0.24	0.57	0.92	0.63	-0.8	0.41	0.39	12.18	25.67	21.52	-12.67	4.16	-3.71	17.48
Price/Cash Flow Average	0.31	0.24	0.64	0.64	0.78	-1.34	0.51	0.55	18.47	28.42	20.05	-9.57	5.44	-3.65	15.78
Price/Cash Flow High	0.49	0.44	1.1	0.93	1.18	-1.96	0.76	0.92	25.47	45	26.47	-14.95	7.39	-4.24	20.85
Price/Cash Flow Low	0.19	0.14	0.43	0.41	0.5	-0.8	0.31	0.37	9.59	4.92	10.11	-3.63	4.03	-2.56	12.65
Price/Free Cash Flow Average	0.32	0.24	0.64	0.66	0.8	-1.34	0.52	0.56	16.56	24.39	20.05	-10.34	5.3	-3.77	13.01
Price/Free Cash Flow High	0.5	0.44	1.1	0.97	1.21	-1.96	0.77	0.95	22.83	38.61	26.47	-16.16	7.18	-4.39	17.19
Price/Free Cash Flow Low	0.19	0.14	0.43	0.43	0.51	-0.8	0.32	0.38	8.6	4.22	10.11	-3.92	3.92	-2.65	10.42
EV/Sales Average	0.47	1.67	1.11	0.8	5.02	11.24	6.43	6.07	8.04	3.57	1.2	1.26	4.43	0.57	1.88
EV/Sales High	0.52	1.78	1.23	0.89	5.12	11.34	6.51	6.18	10.5	6.32	2.16	3.17	5.87	0.79	2.4
EV/Sales Low	0.43	1.62	1.06	0.73	4.94	11.15	6.36	6.02	4.91	3.07	1.04	- -	3.39	0.16	1.56
EV/EBITDA Average	12.21	30.96	22.43	10.92	111.95	198.56	117.77	107.43	338.15	119.6	53.22	64.78	48.25	6.93	27.23
EV/EBITDA High	13.68	32.95	24.77	12.16	114.36	200.37	119.34	109.4	441.92	211.31	95.7	162.69	63.89	9.65	34.65
EV/EBITDA Low	11.13	29.96	21.34	9.98	110.3	196.97	116.56	106.48	206.45	-10.39	-12.57	-43.21	36.86	1.95	22.64
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	0.23	0.19	0.24	0.47	0.32	0.28	0.32	0.26	8.13	8.7	9.75	15.65	11.62	10.48	14.25
High Price	0.24	0.36	0.45	0.48	0.6	0.7	0.6	0.61	17	15.25	11.99	18.47	20.62	12	17
Enterprise Value Average	2	6	4	3	21	54	34	30	33	15	7	9	34	4	15
Enterprise Value High	2	6	4	3	22	55	34	31	43	27	13	22	45	6	20
Enterprise Value Low	1	5	4	3	21	54	33	30	20	-1	-2	-6	26	1	13

Shares Outstanding	2	2	2	2	2	2	2	2	- -	- -	- -	2	2	1	1
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	1	1
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	1	1
Revenue per Share	1.51	1.52	1.64	1.67	1.91	2.16	2.34	2.21	1.89	2.05	3.04	3.49	3.77	7.53	8.06
EBITDA per Share	0.06	0.08	0.08	0.12	0.09	0.12	0.13	0.12	0.05	0.06	0.07	0.07	0.35	0.62	0.56
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.33	0.35	0.35	0.27	0.39	0.46	0.58	0.42	-0.21	-0.18	0.62	0.75	0.16	0.51	0.72
Basic EPS from Cont Ops	0.33	0.35	0.35	0.27	0.39	0.46	0.58	0.42	-0.21	-0.18	0.62	0.75	0.16	0.51	0.72
Diluted EPS, GAAP	0.32	0.35	0.35	0.26	0.38	0.46	0.57	0.41	-0.21	-0.18	0.62	0.75	0.16	0.51	0.72
Diluted EPS from Cont Ops	0.32	0.35	0.35	0.26	0.38	0.46	0.57	0.41	-0.21	-0.18	0.62	0.75	0.16	0.51	0.72
Dividend per Share	0.11	0.11	0.1	0.11	0.27	0.12	0.13	0.14	0.34	0.1	0.09	0.06	0.1	- -	0.17
Cash Flow per Share	0.49	0.81	0.41	0.51	0.51	-0.36	0.8	0.66	0.67	0.34	0.45	-1.24	2.79	-2.83	0.82
Free Cash Flow per Basic Share	0.49	0.81	0.41	0.51	0.51	-0.36	0.8	0.66	0.59	0.28	0.45	-1.33	2.71	-2.92	0.64
Cash & Equivalents per Share	1.04	1.3	1.38	1.96	1.23	1.19	1.1	1.73	9.54	13.53	17.56	31.86	28.32	49.11	44.78
Book Value per Share	5.45	5.71	5.89	6.11	6.19	6.43	6.88	7.16	12.06	12.28	13.17	13.86	13.92	26.99	28.47
Tangible Book Value per Share	7.28	7.61	7.78	8.01	8.14	8.32	8.86	9.11	13.53	12.75	13.49	9.03	9.25	25.51	26.11

Gouverneur Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)