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Gouverneur Bancorp (GOVB) Stock Price & Analysis
GOVB Stock Chart & Stats
- Day’s Range
- $21.16 - $21.19
- 52-Week Range
- $13.75 - $23.37
- Previous Close
- $21.36
- Volume
- 3,104
- Average Volume (3M)
- 1,041
- Market Cap
- $22.43M
- Enterprise Value
- $20.11M
- Total Cash (Recent Filing)
- $41.53M
- Total Debt (Recent Filing)
- $4.00M
- Price to Earnings (P/E)
- 11.8
- Beta
- 0.18
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Nov 02, 2026
- Dividend Yield
- 0.85%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
TTM revenue growth and improved net and EBIT margins indicate a recent recovery in operating performance. If maintained, this strengthens internal earnings capacity and provides a more durable base for supporting lending activity, expenses, and capital retention.
Conservative Leverage
Debt-to-equity of about 0.03, down sharply from earlier fiscal years, indicates conservative leverage and stable equity. This reduces balance-sheet pressure and preserves financial flexibility for ongoing banking operations and future capital allocation.
Positive Current Cash Flow
Positive TTM operating and free cash flow show that the business is currently converting operations into cash. That supports internal funding of routine needs and gives the company a stronger foundation than periods with negative cash generation.
Bears Say
Modest Shareholder Returns
A TTM ROE of roughly 3.0% remains modest despite improvement from prior years. This indicates that the company is not yet generating strong earnings from its equity base, which can limit retained-profit growth and the long-term efficiency of capital deployment.
Uneven Cash Generation
Although TTM cash flow is positive, the 21.7% free-cash-flow decline and history of large negative periods point to inconsistent conversion of earnings into cash. Persistent variability could make internal funding and capital planning less predictable over coming quarters.
Earnings Margin Volatility
The substantial decline from roughly 19–21% historical net margins to 5.8% in FY2024, despite a later rebound, shows earnings remain sensitive across the cycle. This volatility makes the recent improvement less certain as a durable profitability level.
Gouverneur Bancorp News
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Company Description
Gouverneur Bancorp
Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings and Loan Association, offering a full spectrum of banking products and financial services to both individual and commercial clients throughout New York State. The institution provides a diverse range of deposit accounts, including checking, passbook savings, NOW, and money market accounts, alongside certificates of deposit. Its extensive lending portfolio caters to various needs, encompassing personal loans (such as those for home improvement, automobiles, motorcycles, campers, boats, recreational vehicles, and passbook-secured loans), a variety of mortgage options (including construction loans and home equity lines of credit), as well as commercial loans for real estate, installments, short-term working capital, and equipment, along with commercial lines of credit and letters of credit. Beyond traditional banking, Gouverneur Bancorp strategically invests in general obligation municipal bonds, debt instruments issued by the U.S. government and its agencies, and mortgage-backed securities guaranteed by government-sponsored enterprises. Customers also benefit from a wide array of modern conveniences. These include digital banking platforms like online, mobile, bill pay, and telephone banking. Additional services cover ATM and debit card access, direct deposits, mobile remote deposit capture, automated payments and transfers, bank checks, wire transfers, and safe deposit box rentals. Clients can choose between electronic or paper statements. The company primarily serves St. Lawrence, Jefferson, and Lewis counties within New York State, operating through two full-service branch locations. Gouverneur Bancorp, Inc. was established in 1892 and is headquartered in Gouverneur, New York.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Stephen Jefferies
- Employees
- 37
- Website
- www.gouverneurbank.com
- Address
- 20 John Street, Gouverneur, NY, 13642, US
Gouverneur Bancorp (GOVB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 6 | 11 |
| Technical Analysis | 1 | 6 | 3 |
| Moving Averages | 4 | 0 | 8 |