Gouverneur Bancorp (GOVB) AI Stock Analysis

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Gouverneur Bancorp

(Other OTC:GOVB)

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Rating:58Neutral

Price Target:$22.00▲(4.76% Upside)

Action:reiterated

Date:10/31/26

The company's financial foundation is stable, supported by a strong, low-leverage balance sheet and improving profitability. However, weak technical momentum and inconsistent cash flow generation weigh on the score. The stock's moderate valuation does little to offset these concerns.

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: $22.24M
Dividend Yield: 0.91%
Average Volume (3M): 1,512
Price to Earnings (P/E): -9.3
Beta (1Y): 0.13
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

Financial performance is mixed. The income statement shows steady revenue growth and recovering net margins (9.6% TTM), and the balance sheet is strong with very low leverage (debt-to-equity 0.03). However, cash flow generation is inconsistent and return on equity is modest at 3.0%, limiting the overall score.

Income Statement

65Positive

Balance Sheet

75Positive

Cash Flow

60Neutral

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	6.12M	6.12M	9.72M	9.35M	8.23M	7.35M
Gross Profit	4.36M	4.36M	8.14M	7.86M	7.54M	7.02M
EBITDA	-2.81M	-3.12M	1.36M	1.13M	937.00K	2.06M
Net Income	-2.32M	-2.32M	733.00K	539.00K	317.00K	1.53M
Balance Sheet
Total Assets	191.70M	191.70M	198.53M	197.26M	205.88M	213.02M
Cash, Cash Equivalents and Short-Term Investments	11.94M	11.94M	45.59M	51.72M	57.52M	64.71M
Total Debt	0	0	7.04M	66.00K	13.99M	0
Total Liabilities	161.68M	161.68M	166.42M	164.50M	180.78M	188.19M
Stockholders Equity	30.02M	30.02M	32.11M	32.77M	25.11M	24.83M
Cash Flow
Free Cash Flow	660.00K	0	653.00K	-3.08M	5.51M	-2.70M
Operating Cash Flow	826.00K	0	830.00K	-2.98M	5.67M	-2.51M
Investing Cash Flow	1.41M	0	-3.56M	6.83M	1.77M	-48.00K
Financing Cash Flow	-925.00K	0	1.02M	-7.89M	-11.38M	5.85M

Gouverneur Bancorp Technical Analysis

Technical Analysis SentimentNegative

Last Price21.00

Price Trends

50DMA21.76Negative

100DMA20.87Positive

200DMA19.52Positive

Market Momentum

MACD-0.08Negative

RSI41.15Neutral

STOCH43.01Neutral

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 21.00 is below the 20-day moving average (MA) of 21.18, below the 50-day MA of 21.76, and above the 200-day MA of 19.52, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 41.15 is Neutral, neither overbought nor oversold. The STOCH value of 43.01 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

1 New Risk

1.Our ability to pay dividends is subject to the ability of the Bank to make capital distributions to the Company.Q3, 2024

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
KFFB	71Outperform	$48.12M	19.61	4.97%	0.84%	7.24%	360.42%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GOVB	58Neutral	$22.24M	-9.33	-7.23%	0.91%	-37.52%	-412.72%
GLBZ	39Underperform	$11.50M	-148.12	-0.39%	―	17.13%	-395.56%
SHFS	38Underperform	$4.01M	-0.00	-73.97%	―	-14.63%	94.07%

* Financial Sector Average

Performance Comparison

GOVB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GOVB	Gouverneur Bancorp	21.00	6.02	40.17%
CARV	Carver Bancorp	2.00	-1.14	-36.31%
GLBZ	Glen Burnie	3.94	-0.54	-12.05%
KFFB	Kentucky First Federal	5.95	1.64	37.92%
SHFS	Shf Holdings Inc.	0.03	-17.61	-99.83%
MBBC	Marathon Bancorp, Inc.	14.94	3.76	33.63%

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