Gouverneur Bancorp (GOVB) AI Stock Analysis

Gouverneur Bancorp

(Other OTC:GOVB)

Select Model

Rating:64Neutral

Price Target:$23.00▲(8.59% Upside)

Action:reiterated

Date:10/31/26

The score is primarily supported by improving TTM profitability and a significantly safer balance sheet with very low leverage. Offsetting this are inconsistent cash-flow history and only modest ROE, while technical indicators show neutral-to-soft near-term momentum and valuation/income characteristics are only moderate (P/E 22.36, ~0.84% yield).

Positive Factors

Improving profitabilityTTM 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.

Negative Factors

Modest shareholder returnsA 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.

Gouverneur Bancorp (GOVB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $22.43M
Dividend Yield: 0.85%
Average Volume (3M): 1,593
Price to Earnings (P/E): 11.8
Beta (1Y): 0.18
Revenue Growth: -37.52%
EPS Growth: -412.72%
Country: US
Employees: 37
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Gouverneur Bancorp Business Overview & Revenue Model

Company Description

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 institu...

How the Company Makes Money

Gouverneur Bancorp makes money primarily through its bank subsidiary’s net interest income and, to a lesser extent, non-interest income. Net interest income is generated by earning interest on loans and investment securities and paying interest on fu...

Gouverneur Bancorp Financial Statement Overview

Summary

Recent fundamentals are improving, with TTM revenue up ~5.9% and stronger profitability (net margin ~9.6%, EBIT margin ~10.6%). The balance sheet is notably de-risked with very low debt-to-equity (~0.03), but returns remain modest (ROE ~3.0%) and cash flows have been uneven across years with declining TTM FCF (~-21.7% vs prior period).

Income Statement

72Positive

Balance Sheet

78Positive

Cash Flow

60Neutral

Financial statement breakdown
Breakdown	TTM	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021
Income Statement
Total Revenue	10.10M	9.72M	9.35M	8.23M	7.35M	6.53M
Gross Profit	8.50M	8.14M	7.86M	7.54M	7.02M	6.15M
EBITDA	1.50M	1.36M	1.13M	937.00K	2.06M	1.31M
Net Income	981.00K	733.00K	539.00K	317.00K	1.53M	1.26M
Balance Sheet
Total Assets	198.68M	198.53M	197.26M	205.88M	213.02M	134.92M
Cash, Cash Equivalents and Short-Term Investments	41.53M	45.59M	51.72M	57.52M	64.71M	35.66M
Total Debt	4.00M	7.04M	66.00K	13.99M	0	0
Total Liabilities	165.93M	166.42M	164.50M	180.78M	188.19M	107.52M
Stockholders Equity	32.75M	32.11M	32.77M	25.11M	24.83M	27.40M
Cash Flow
Free Cash Flow	787.00K	653.00K	-3.08M	5.51M	-2.70M	920.00K
Operating Cash Flow	1.02M	830.00K	-2.98M	5.67M	-2.51M	920.00K
Investing Cash Flow	-2.89M	-3.56M	6.83M	1.77M	-48.00K	-4.13M
Financing Cash Flow	628.00K	1.02M	-7.89M	-11.38M	5.85M	6.45M

Gouverneur Bancorp Technical Analysis

Technical Analysis SentimentNegative

Last Price21.18

Price Trends

50DMA21.81Negative

100DMA20.79Positive

200DMA19.41Positive

Market Momentum

MACD-0.20Negative

RSI42.78Neutral

STOCH62.54Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GOVB, the sentiment is Negative. The current price of 21.18 is below the 20-day moving average (MA) of 21.42, below the 50-day MA of 21.81, and above the 200-day MA of 19.41, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 42.78 is Neutral, neither overbought nor oversold. The STOCH value of 62.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GOVB.

Gouverneur Bancorp Risk Analysis

Gouverneur Bancorp disclosed 25 risk factors in its most recent earnings report. Gouverneur Bancorp reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Gouverneur Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GOVB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GOVB	64Neutral	$22.43M	11.77	-7.23%	0.85%	-37.52%	-412.72%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
GLBZ	52Neutral	$12.19M	-76.49	-0.39%	―	17.13%	-395.56%
SHFS	39Underperform	$1.55M	-0.01	-52.68%	―	-28.59%	94.79%

* Financial Sector Average

Performance Comparison

GOVB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GOVB	Gouverneur Bancorp	21.18	6.97	49.08%
CARV	Carver Bancorp	1.85	-1.14	-38.13%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
KFFB	Kentucky First Federal	5.34	1.39	35.29%
SHFS	Shf Holdings Inc.	0.06	-29.82	-99.79%
MBBC	Marathon Bancorp, Inc.	14.44	3.50	31.95%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 30, 2026

Gouverneur Bancorp AI Stock Analysis