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Gouverneur Bancorp (GOVB) AI Stock Analysis
Gouverneur Bancorp
(Other OTC:GOVB)
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).
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
72PositiveBalance Sheet
78PositiveCash Flow
60Neutral| 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
Price Trends
Market Momentum
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.
Latest Risks Added
0 New RisksGouverneur Bancorp Peers Comparison
Overall Rating
GOVB64Neutral
KFFB62Neutral
GLBZ52Neutral
SHFS39Underperform
Financial Indicators
| 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% |
| 64Neutral | $22.43M | 11.77 | -7.23% | 0.85% | -37.52% | -412.72% | |
| 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% | |
| 52Neutral | $12.19M | -76.49 | -0.39% | ― | 17.13% | -395.56% | |
| 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | 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% |
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