Gouverneur Bancorp Inc (GOVB)
OTHER OTC:GOVB
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Gouverneur Bancorp
(OTC:GOVB)
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Rating:69Neutral
Price Target:
$21.00
▲(20.00% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by improving profitability and a significantly strengthened, low-leverage balance sheet, supported by a clear upward technical trend. These positives are tempered by uneven cash-flow history with a recent FCF decline, modest ROE, and a valuation/income profile that is not especially attractive (P/E ~20.9, ~0.94% yield).
Positive Factors
Low Leverage / Strong Balance Sheet
Very 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.
Negative Factors
Uneven Cash-Flow History
A ~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.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Leverage / Strong Balance Sheet
Very 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.
Read all positive factors
Gouverneur Bancorp (GOVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$20.61M
Dividend Yield1%
Average Volume (3M)120.00
Price to Earnings (P/E)21.3
Beta (1Y)0.26
Revenue Growth3.41%
EPS Growth65.54%
CountryUS
Employees40
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.86
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
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 ma...
How the Company Makes Money
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Gouverneur Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.02M | 9.72M | 9.35M | 8.23M | 7.35M | 6.53M |
| Gross Profit | 8.44M | 8.14M | 7.86M | 7.54M | 7.02M | 6.15M |
| EBITDA | 1.39M | 1.36M | 1.13M | 937.00K | 2.06M | 1.31M |
| Net Income | 959.00K | 733.00K | 539.00K | 317.00K | 1.53M | 1.26M |
Balance Sheet | ||||||
| Total Assets | 198.32M | 198.53M | 197.26M | 205.88M | 213.02M | 134.92M |
| Cash, Cash Equivalents and Short-Term Investments | 43.06M | 45.59M | 51.72M | 57.52M | 64.71M | 35.66M |
| Total Debt | 1.02M | 7.04M | 66.00K | 13.99M | 0.00 | 0.00 |
| Total Liabilities | 165.59M | 166.42M | 164.50M | 180.78M | 188.19M | 107.52M |
| Stockholders Equity | 32.73M | 32.11M | 32.77M | 25.11M | 24.83M | 27.40M |
Cash Flow | ||||||
| Free Cash Flow | 1.48M | 653.00K | -3.08M | 5.51M | -2.70M | 920.00K |
| Operating Cash Flow | 1.75M | 830.00K | -2.98M | 5.67M | -2.51M | 920.00K |
| Investing Cash Flow | -2.43M | -3.56M | 6.83M | 1.77M | -48.00K | -4.13M |
| Financing Cash Flow | -1.22M | 1.02M | -7.89M | -11.38M | 5.85M | 6.45M |
Gouverneur Bancorp Technical Analysis
Positive
17.50
Price Trends
18.59
Positive
17.99
Positive
16.65
Positive
Market Momentum
0.21
Positive
55.23
Neutral
52.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GOVB, the sentiment is Positive. The current price of 17.5 is below the 20-day moving average (MA) of 19.20, below the 50-day MA of 18.59, and above the 200-day MA of 16.65, indicating a bullish trend. The MACD of 0.21 indicates Positive momentum. The RSI at 55.23 is Neutral, neither overbought nor oversold. The STOCH value of 52.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $20.61M | 21.27 | 2.00% | 1.00% | 3.41% | 65.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $38.56M | 27.45 | 1.71% | ― | 10.06% | ― | |
51 Neutral | $13.59M | -139.73 | 0.09% | ― | 8.13% | -357.58% | |
41 Neutral | $2.49M | -0.54 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
GOVB
Gouverneur Bancorp
19.45
6.09
45.58%
CARV
Carver Bancorp
1.41
-0.04
-2.76%
GLBZ
Glen Burnie Bancorp
4.65
0.12
2.72%
KFFB
Kentucky First Federal Bancorp
4.77
2.15
81.98%
SHFS
SHF Holdings
0.39
-2.17
-84.90%
MBBC
Marathon Bancorp
14.40
4.41
44.14%
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.