Gouverneur Bancorp Inc (GOVB)
OTHER OTC:GOVB
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GOVB Stock Chart & Stats
$17.50
$0.11(0.92%)
At close: 4:00 PM EST
$17.50
$0.11(0.92%)
Day’s Range― - ―
52-Week Range$12.75 - $20.00
Previous CloseN/A
Volume647.00
Average Volume (3M)120.00
Market Cap
$21.19M
Enterprise Value$17.72M
Total Cash (Recent Filing)$43.06M
Total Debt (Recent Filing)$1.02M
Price to Earnings (P/E)20.2
Beta0.26
Next Earnings
Aug 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1%
Share Statistics
EPS (TTM)0.95
Shares Outstanding1,059,520
10 Day Avg. Volume213
30 Day Avg. Volume120
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)0.45
Price to Sales (P/S)1.50
P/FCF Ratio22.35
Enterprise Value/Market Cap0.84
Enterprise Value/Revenue1.77
Enterprise Value/Gross Profit2.10
Enterprise Value/Ebitda12.78
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Low Leverage / Strong Balance SheetVery low leverage (debt-to-equity ~0.03 TTM) and stable equity (~$32–33M) materially reduce balance-sheet risk and increase resilience. This supports lending and liquidity capacity, cushions economic stress, and gives management optionality for investments or opportunistic M&A without relying on costly external debt.
Improving Profitability MarginsTTM net and EBIT margin improvement reflects stronger core economics and better cost control versus recent years. Sustained margin gains boost recurring earnings power, improve internal funding for strategic initiatives, and make it easier to generate consistent retained earnings over the medium term.
Positive Cash GenerationPositive operating cash flow and positive FCF that largely cover net income demonstrate genuine cash generation capability. This durability in cash conversion reduces reliance on capital markets, supports measured capital returns or reinvestment, and provides flexibility to fund growth or buffer shocks.
Bears Say
Uneven Cash-Flow HistoryA ~21.7% FCF decline and an uneven multi-year cash-flow pattern (including large negative years) signal volatile cash conversion. That volatility complicates capital planning, can force opportunistic financing in weak years, and raises uncertainty about sustained funding for dividends, loan growth, or investments.
Low Return On EquityA modest ROE (~3.0% TTM) indicates limited returns on shareholders' capital. Persistently low ROE constrains the bank's ability to generate attractive equity returns, may reflect low asset productivity or margin pressures, and limits the effectiveness of retained earnings to meaningfully grow equity value over time.
Earnings Volatility / Margin Compression HistoryHistorical margin compression from very high levels to materially lower rates highlights earnings sensitivity to cycle or competitive shifts. This reduces predictability of future profits, complicates long-term budgeting and capital allocation, and means earnings can swing materially under stress or rate/competition changes.
Gouverneur Bancorp News
GOVB FAQ
What was Gouverneur Bancorp Inc’s price range in the past 12 months?
Gouverneur Bancorp Inc lowest stock price was $12.75 and its highest was $20.00 in the past 12 months.
What is Gouverneur Bancorp Inc’s market cap?
Gouverneur Bancorp Inc’s market cap is $21.19M.
When is Gouverneur Bancorp Inc’s upcoming earnings report date?
Gouverneur Bancorp Inc’s upcoming earnings report date is Aug 04, 2026 which is in 59 days.
How were Gouverneur Bancorp Inc’s earnings last quarter?
Gouverneur Bancorp Inc released its earnings results on Apr 21, 2026. The company reported $0.21 earnings per share for the quarter, beating the consensus estimate of N/A by $0.21.
Is Gouverneur Bancorp Inc overvalued?
According to Wall Street analysts Gouverneur Bancorp Inc’s price is currently Overvalued.
Does Gouverneur Bancorp Inc pay dividends?
Gouverneur Bancorp Inc pays a Semiannually dividend of $0.09 which represents an annual dividend yield of 1%. See more information on Gouverneur Bancorp Inc dividends here
What is Gouverneur Bancorp Inc’s EPS estimate?
Gouverneur Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Gouverneur Bancorp Inc have?
Gouverneur Bancorp Inc has 1,059,520 shares outstanding.
What happened to Gouverneur Bancorp Inc’s price movement after its last earnings report?
Gouverneur Bancorp Inc reported an EPS of $0.21 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.705%.
Which hedge fund is a major shareholder of Gouverneur Bancorp Inc?
Currently, no hedge funds are holding shares in GOVB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Gouverneur Bancorp Inc
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. The company accepts passbook savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. Its loan products include personal, home improvement, automobile and motorcycle, camper and boat, recreational vehicles, passbook, and mortgage loans; and construction, commercial real estate, commercial installment, short-term working capital, and equipment loans, as well as home equity line of credit, and commercial lines of credit and letters of credit. The company also invests in general obligation municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by government-sponsored enterprises. In addition, it offers online, mobile, bill pay, and telephone banking; electronic or paper statements; and ATM, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers, and safe deposit box services. The company serves primarily the St. Lawrence County, and Jefferson and Lewis counties in New York State through two full-service branch offices. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York.
Technical Analysis
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Ownership Overview
Options Prices
Currently, No data available
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