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Gouverneur Bancorp
(OTC:GOVB)
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Rating:69Neutral
Price Target:
$25.00
▲(21.18% Upside)
Action:Reiterated
Date:07/30/26
The score is driven primarily by improving financial performance and a safer balance sheet (low leverage), supported by an upward price trend versus key moving averages. Offsetting these positives are inconsistent cash-flow history and a less compelling valuation profile (P/E ~20.3 with a ~0.9% dividend yield).
Positive Factors
Improving Revenue and Profitability
Recent revenue growth and margin expansion indicate improving operating performance. If sustained, stronger earnings can build internal capital and support lending capacity, while demonstrating that the bank is converting its community and small-business franchise into better profitability.
Negative Factors
Low Return on Equity
A modest return on equity means the bank is generating limited earnings from its capital base, even with conservative leverage. This constrains internal compounding and suggests that balance-sheet safety has not yet translated into strong shareholder profitability or efficient capital use.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Revenue and Profitability
Recent revenue growth and margin expansion indicate improving operating performance. If sustained, stronger earnings can build internal capital and support lending capacity, while demonstrating that the bank is converting its community and small-business franchise into better profitability.
Read all positive factors
Gouverneur Bancorp (GOVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$24.16M
Dividend Yield0.79%
Average Volume (3M)1.29K
Price to Earnings (P/E)23.6
Beta (1Y)0.20
Revenue Growth4.31%
EPS Growth56.79%
CountryUS
Employees37
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.96
Shares Outstanding1,058,922
10 Day Avg. Volume1,506
30 Day Avg. Volume1,287
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. 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 inst...
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...
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 | 10.10M | 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 | 0.00 | 0.00 |
| 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
Positive
20.63
Price Trends
21.06
Positive
20.24
Positive
18.91
Positive
Market Momentum
0.56
Positive
60.61
Neutral
64.17
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 20.63 is below the 20-day moving average (MA) of 22.48, below the 50-day MA of 21.06, and above the 200-day MA of 18.91, indicating a bullish trend. The MACD of 0.56 indicates Positive momentum. The RSI at 60.61 is Neutral, neither overbought nor oversold. The STOCH value of 64.17 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 | $24.16M | 23.63 | 3.01% | 0.79% | 4.31% | 56.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $47.39M | 26.16 | 3.86% | 0.85% | 8.69% | 958.30% | |
52 Neutral | $12.62M | -82.84 | -0.75% | 8.71% | 13.37% | -600.93% | |
41 Neutral | $1.46M | -0.11 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
GOVB
Gouverneur Bancorp
22.81
8.34
57.67%
CARV
Carver Bancorp
1.70
-1.06
-38.33%
GLBZ
Glen Burnie Bancorp
4.32
-0.36
-7.67%
KFFB
Kentucky First Federal Bancorp
5.86
2.19
59.46%
SHFS
SHF Holdings
1.42
-87.50
-98.40%
MBBC
Marathon Bancorp
15.00
4.60
44.23%
Gouverneur Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Gouverneur Bancorp Reports Higher Earnings, Optimizes Balance Sheet
Positive
Jul 30, 2026
On July 29, 2026, Gouverneur Bancorp reported higher earnings for its fiscal third quarter and nine months ended June 30, 2026, with quarterly net income rising to $239,000 from $217,000 a year earlier and nine‑month net income increasing to...
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.