Gouverneur Bancorp
Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides various banking products and services to individuals and businesses in New York. It accepts savings deposit, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company's loan products include mortgage loans, one- to four-family residential loans… Read more
Gouverneur Bancorp (GOVB) - Total Assets
Latest total assets as of September 2025: $198.53 Million USD
Based on the latest financial reports, Gouverneur Bancorp (GOVB) holds total assets worth $198.53 Million USD as of September 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Gouverneur Bancorp - Total Assets Trend (1998–2025)
This chart illustrates how Gouverneur Bancorp’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Gouverneur Bancorp - Asset Composition Analysis
Current Asset Composition (September 2025)
Gouverneur Bancorp's total assets of $198.53 Million consist of 0.0% current assets and 0.0% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 2.4% |
| Accounts Receivable | $0.00 | 0.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $1.29 Million | 0.7% |
| Goodwill | $4.24 Million | 2.1% |
Asset Composition Trend (1998–2025)
This chart illustrates how Gouverneur Bancorp's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Gouverneur Bancorp's current assets represent 0.0% of total assets in 2025, a decrease from 8.1% in 1998.
- Cash Position: Cash and equivalents constituted 2.4% of total assets in 2025, down from 7.5% in 1998.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 1998.
- Asset Diversification: The largest asset category is goodwill at 2.1% of total assets.
Gouverneur Bancorp Competitors by Total Assets
Key competitors of Gouverneur Bancorp based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Gouverneur Bancorp - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Gouverneur Bancorp generates 0.04x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Gouverneur Bancorp generates $ 0.37 in net profit.
Gouverneur Bancorp - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 8.26 | 18.51 | 0.18 |
| Quick Ratio | 8.26 | 18.49 | 0.18 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $54.95 Million | $ 66.64 Million | $ -13.42 Million |
Gouverneur Bancorp - Advanced Valuation Insights
This section examines the relationship between Gouverneur Bancorp's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.57 |
| Latest Market Cap to Assets Ratio | 0.04 |
| Asset Growth Rate (YoY) | 0.6% |
| Total Assets | $198.53 Million |
| Market Capitalization | $8.60 Million USD |
Valuation Analysis
Below Book Valuation: The market values Gouverneur Bancorp's assets below their book value (0.04 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Gouverneur Bancorp's assets grew by 0.6% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Gouverneur Bancorp (1998–2025)
The table below shows the annual total assets of Gouverneur Bancorp from 1998 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-09-30 | $198.53 Million | +0.64% |
| 2024-09-30 | $197.26 Million | -4.19% |
| 2023-09-30 | $205.88 Million | -3.35% |
| 2022-09-30 | $213.02 Million | +57.88% |
| 2021-09-30 | $134.92 Million | +4.38% |
| 2020-09-30 | $129.26 Million | +3.19% |
| 2019-09-30 | $125.27 Million | -5.52% |
| 2007-09-30 | $132.59 Million | +1.93% |
| 2006-09-30 | $130.07 Million | +6.42% |
| 2005-09-30 | $122.23 Million | +17.33% |
| 2004-09-30 | $104.17 Million | +15.80% |
| 2003-09-30 | $89.96 Million | +5.76% |
| 2002-09-30 | $85.06 Million | +2.65% |
| 2001-09-30 | $82.86 Million | +10.63% |
| 2000-09-30 | $74.90 Million | +7.00% |
| 1999-09-30 | $70.00 Million | +17.97% |
| 1998-09-30 | $59.34 Million | -- |