Gouverneur Bancorp (GOVB) AI Stock Analysis

• Market Cap: $15.29M
• Dividend Yield: 1.12%
• Average Volume (3M): 120.00
• Price to Earnings (P/E): 23.7
• Beta (1Y): 1.05
• Revenue Growth: 1.78%
• EPS Growth: 43.78%
• Country: US
• Employees: 40
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.24
• Shares Outstanding: 1,055,077
• 10 Day Avg. Volume: 213
• 30 Day Avg. Volume: 120
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.49
• Enterprise Value/Revenue: 0.88
• Enterprise Value/Gross Profit: 0.84
• Enterprise Value/Ebitda: 26.65
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: ―

Gouverneur Bancorp shows strong financial stability with no debt and solid revenue growth, but faces challenges in profitability margins and cash flow conversion. The technical indicators are mixed with bearish momentum and neutral buying pressures, while the valuation suggests a moderate market position. These factors combine to provide a balanced outlook with potential for improvement in profitability and cash flow management.

Gouverneur Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Gouverneur Bancorp makes money primarily through interest income generated from its loan portfolio, including personal, commercial, and mortgage loans. The company also earns revenue from fees and service charges associated with deposit accounts, transaction processing, and other banking services. Additionally, Gouverneur Bancorp may generate income through investments in securities and partnerships with other financial institutions that enhance its product offerings and market reach.

Gouverneur Bancorp Financial Statement Overview

Summary

Gouverneur Bancorp exhibits strong revenue growth and efficient operations, with a robust balance sheet and no debt. However, profitability margins and cash flow conversion efficiency show areas for improvement. Overall, the financial health is sound, but optimization in profitability and cash flow is needed.

Income Statement

Gouverneur Bancorp shows a strong gross profit margin of 105.3% on a TTM basis, indicating effective cost management. However, a net profit margin of 4.8% suggests challenges in translating revenue into profit. Revenue growth is positive, with a 10.4% increase from 2023 to 2024, indicating an upward trajectory. The EBIT margin is robust at 24.7%, suggesting efficient core operations, but the EBITDA margin is low at 3.3%, reflecting a need for better cash earnings management.

Balance Sheet

The company's balance sheet is strong with no debt, leading to a favorable debt-to-equity ratio of 0. The return on equity is modest at 1.3%, suggesting limited profitability compared to equity. The equity ratio is healthy at 16.1%, indicating a good level of capitalization and financial stability.

Cash Flow

The free cash flow growth rate is negative, with a decline from positive $5.5M to $414K in TTM. The operating cash flow to net income ratio is 1.2, indicating adequate cash generation relative to reported income. However, the free cash flow to net income ratio of 1.0 suggests limited free cash flow conversion efficiency.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	7.85M	7.62M	7.13M	5.46M	5.88M
Gross Profit	7.86M	7.62M	7.13M	5.46M	5.88M
EBITDA	1.13M	934.00K	2.06M	1.32M	0.00
Net Income	539.00K	317.00K	1.53M	1.26M	-381.00K
Balance Sheet
Total Assets	197.26M	205.88M	213.02M	135.04M	129.26M
Cash, Cash Equivalents and Short-Term Investments	49.65M	57.52M	64.71M	11.05M	7.81M
Total Debt	0.00	13.99M	0.00	0.00	3.00M
Total Liabilities	164.50M	181.50M	3.81M	107.83M	102.63M
Stockholders Equity	32.77M	25.11M	24.83M	27.21M	26.63M
Cash Flow
Free Cash Flow	-3.08M	5.51M	-2.70M	920.00K	591.00K
Operating Cash Flow	-2.98M	5.67M	-2.51M	920.00K	708.00K
Investing Cash Flow	6.83M	1.77M	-48.00K	-4.13M	707.00K
Financing Cash Flow	-7.89M	-11.38M	5.85M	6.45M	2.69M

Gouverneur Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 14.08 is below the 20-day moving average (MA) of 14.47, below the 50-day MA of 14.62, and above the 200-day MA of 13.33, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 37.84 is Neutral, neither overbought nor oversold. The STOCH value of 20.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GOVB.

Gouverneur Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GOVB	―	$15.29M	23.73	2.00%	1.12%	1.78%	43.78%
KFFB	―	$31.94M	177.13	0.38%	―	19.55%	―
GLBZ	―	$13.37M	429.91	0.17%	2.23%	8.99%	-94.06%
SHFS	―	$11.16M	2.00	-515.18%	―	-35.31%	-1227.86%

Gouverneur Bancorp Corporate Events

Gouverneur Bancorp Approves 2025 Equity Incentive Plan

On February 10, 2025, Gouverneur Bancorp, Inc. held its annual stockholders meeting, where the 2025 Equity Incentive Plan was approved. During the meeting, Robert W. Barlow, David C. McClure, and Amy M. Rapholz were elected as directors for three-year terms, and the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for the fiscal year ending September 30, 2025, was ratified.