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Gouverneur Bancorp (Gouverneur Bancorp) E10

: $0.65 (As of Dec. 2023)
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E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Gouverneur Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.65 for the trailing ten years ended in Dec. 2023.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2024-04-19), Gouverneur Bancorp's current stock price is $10.50. Gouverneur Bancorp's E10 for the quarter that ended in Dec. 2023 was $0.65. Gouverneur Bancorp's Shiller PE Ratio of today is 16.15.

During the past 12 years, the highest Shiller PE Ratio of Gouverneur Bancorp was 17.69. The lowest was 8.00. And the median was 13.71.


Gouverneur Bancorp E10 Historical Data

The historical data trend for Gouverneur Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Gouverneur Bancorp Annual Data
Trend Sep00 Sep01 Sep02 Sep03 Sep04 Sep05 Sep06 Sep07 Sep22 Sep23
E10
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - 0.65 0.65

Gouverneur Bancorp Quarterly Data
Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Jun22 Sep22 Dec22 Jun23 Sep23 Dec23
E10 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.65 0.64 0.65 0.65 0.65

Competitive Comparison

For the Banks - Regional subindustry, Gouverneur Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Gouverneur Bancorp Shiller PE Ratio Distribution

For the Banks industry and Financial Services sector, Gouverneur Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Gouverneur Bancorp's Shiller PE Ratio falls into.



Gouverneur Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Gouverneur Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.11/129.4194*129.4194
=0.110

Current CPI (Dec. 2023) = 129.4194.

Gouverneur Bancorp Quarterly Data

per share eps CPI Adj_EPS
200003 0.090 72.231 0.161
200006 0.100 72.737 0.178
200009 0.070 73.286 0.124
200012 0.070 73.413 0.123
200103 0.100 74.341 0.174
200106 0.100 75.100 0.172
200109 0.080 75.227 0.138
200112 0.090 74.552 0.156
200203 0.100 75.438 0.172
200206 0.090 75.902 0.153
200209 0.350 76.366 0.593
200212 0.040 76.324 0.068
200303 0.080 77.716 0.133
200306 0.070 77.505 0.117
200309 0.070 78.138 0.116
200312 0.090 77.758 0.150
200403 0.100 79.066 0.164
200406 0.110 80.037 0.178
200409 0.080 80.121 0.129
200412 0.100 80.290 0.161
200503 0.120 81.555 0.190
200506 0.110 82.062 0.173
200509 0.130 83.876 0.201
200512 0.130 83.032 0.203
200603 0.170 84.298 0.261
200606 0.090 85.606 0.136
200609 0.180 85.606 0.272
200612 0.090 85.142 0.137
200703 0.080 86.640 0.120
200706 0.120 87.906 0.177
200709 0.120 87.964 0.177
200712 0.100 88.616 0.146
200803 0.100 90.090 0.144
200806 0.100 92.320 0.140
202206 0.170 125.017 0.176
202209 0.200 125.227 0.207
202212 0.020 125.222 0.021
202306 0.110 128.729 0.111
202309 0.050 129.860 0.050
202312 0.110 129.419 0.110

Add all the adjusted EPS together and divide 10 will get our e10.


Gouverneur Bancorp  (OTCPK:GOVB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Gouverneur Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=10.50/0.65
=16.15

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 12 years, the highest Shiller P/E Ratio of Gouverneur Bancorp was 17.69. The lowest was 8.00. And the median was 13.71.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Gouverneur Bancorp E10 Related Terms

Thank you for viewing the detailed overview of Gouverneur Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Gouverneur Bancorp (Gouverneur Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
42 Church Street, Gouverneur, NY, USA, 13642
Gouverneur Bancorp Inc principal activities are to accept deposits from the public and utilize those funds in loans, debt obligations which are issued by the United States government and its agencies and mortgage-backed securities. The group serves individuals and businesses in St. Lawrence, Jefferson, and Lewis Counties in New York State. The company operates through its subsidiary Gouverneur Savings and Loan Association. The bank offers commercial, non-mortgage loans to local businesses for working capital, machinery and equipment purchases, expansion and other business purposes.
Executives
Timothy J Monroe director 42 CHURCH STREET, PO BOX 297, GOVENEUR NY 13642-0297
Henry J Leader director 42 CHURCH STREET, PO BOX 297, GOUVERNEUR NY 13642
David Claren Mcclure director C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR DC 13642
Clara Pistolesi Cummings director C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR DC 13642
Chad Brian Soper director C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR DC 13642
Amy Marie Rapholz director C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR DC 13642
John Neil Mason director C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR NY 13642
Kimberly Ann Adams officer: VP and CFO C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR NY 13642
Taylor James Robbins officer: Executive Vice President C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR NY 13642
Sadie May Hall officer: VP & Compliance Officer C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR NY 13642
Van Vleet Charles C Jr director, officer: President & CEO C/O GOUVERNEUR SAVINGS LOAN ASSOC, 42 CHURCH ST. BOX 297, GOUVERNEUR NY 13642-0297
Victor Alan James officer: VP & COO C/O GOUVERNEUR BANCORP, INC., 42 CHURCH STREET, GOUVERNEUR NY 13642

Gouverneur Bancorp (Gouverneur Bancorp) Headlines

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