Gouverneur Bancorp (GOVB) AI Stock Analysis

• Market Cap: $18.74M
• Dividend Yield: 1%
• Average Volume (3M): 120.00
• Price to Earnings (P/E): 20.8
• Beta (1Y): 0.24
• Revenue Growth: 1.13%
• EPS Growth: 40.47%
• Country: US
• Employees: 40
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 1,062,979
• 10 Day Avg. Volume: 213
• 30 Day Avg. Volume: 120
• PEG Ratio: 0.48
• Price to Book (P/B): 0.45
• Price to Sales (P/S): 1.50
• P/FCF Ratio: 22.35
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.05
• Enterprise Value/Gross Profit: 2.43
• Enterprise Value/Ebitda: 14.40
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $18.50 ▲(5.71% Upside)
• Action: Reiterated Date: 02/13/26
• Date: Action: Reiterated 02/13/26

The score is driven primarily by solid balance-sheet risk characteristics but tempered by modest profitability/low ROE and historically volatile cash flow. Technicals are neutral-to-slightly positive, while valuation and dividend yield offer only moderate support.

Positive Factors

Low Leverage

A low debt-to-equity (~0.15) provides a durable capital cushion that reduces solvency risk, supports regulatory flexibility, and allows the bank to absorb credit shocks without urgent capital raises. This structural strength underpins conservative lending and long-term stability.

Positive Free Cash Flow

Consistent positive operating and free cash flow in the TTM period indicates the franchise can generate internal funding for lending, reserves, or modest shareholder returns. Sustainable cash generation improves strategic optionality and reduces reliance on wholesale funding.

Improving Operating Profitability

Improvement versus recent years signals management progress on cost control or revenue mix and suggests the bank can restore margin resilience. If sustained, this supports better earnings power, higher retained earnings and incremental capital build over months.

Negative Factors

Low ROE

A TTM ROE near 2.7% reflects weak capital efficiency: the sizable equity base is not generating strong returns. Persistently low ROE constrains shareholder value creation and requires either higher net yields, cost reductions, or accelerated loan growth to materially improve long-term returns.

Revenue Pause

A decline in TTM revenue indicates a pause in top-line momentum. For a regional community bank, sustained revenue weakness can limit the ability to expand net interest income, compress operating leverage, and slow accumulation of retained earnings needed to lift ROE over multiple quarters.

Volatile Cash Flow Conversion

Historical volatility in operating cash flow and a FCF/NI ratio ~0.79 show earnings don't fully convert to cash consistently. This raises uncertainty around dividend sustainability, provisioning capacity and the bank's ability to fund growth from internally generated cash across economic cycles.

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

Mixed fundamentals: balance-sheet strength stands out (low debt-to-equity ~0.15), but operating performance is only modest with slightly lower TTM revenue (-1.7%), modest net margin (~8.7%), and low ROE (~2.7%). Cash flow has turned positive (TTM FCF ~$0.84M) but remains historically volatile and below net income conversion (FCF/NI ~0.79).

Income Statement

TTM (Trailing-Twelve-Months) revenue is slightly down (-1.7%), showing a near-term growth pause after several years of expansion. Profitability is positive but modest in the TTM period (net margin ~8.7%), and operating profitability has improved versus FY2023–FY2024 levels, indicating some recovery. However, results remain well below the stronger profitability seen in FY2021–FY2022, suggesting earnings power has not fully normalized.

Balance Sheet

Leverage looks manageable with low-to-moderate debt relative to equity (TTM debt-to-equity ~0.15), an improvement from FY2023 levels, which supports balance-sheet stability. Equity is sizable relative to the company’s scale, providing cushion. The main weakness is low return on equity in the TTM period (~2.7%), indicating the capital base is not currently being converted into strong shareholder returns.

Cash Flow

Cash generation is positive in TTM with operating cash flow of ~$0.95M and free cash flow of ~$0.84M, and free cash flow growth is strong versus the prior period. That said, cash flow has been volatile historically, including materially negative operating and free cash flow in FY2022 and FY2024. In the TTM period, free cash flow trails net income (free cash flow to net income ~0.79), implying earnings are not fully translating into cash.

Breakdown	TTM	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021
Income Statement
Total Revenue	9.91M	9.72M	9.35M	8.23M	7.35M	6.53M
Gross Profit	8.33M	8.14M	7.86M	7.54M	7.02M	6.15M
EBITDA	1.41M	1.36M	1.13M	937.00K	2.06M	1.31M
Net Income	860.00K	733.00K	539.00K	317.00K	1.53M	1.26M
Balance Sheet
Total Assets	201.88M	198.53M	197.26M	205.88M	213.02M	134.92M
Cash, Cash Equivalents and Short-Term Investments	46.28M	45.59M	51.72M	57.52M	64.71M	35.66M
Total Debt	5.00M	7.04M	66.00K	13.99M	0.00	0.00
Total Liabilities	169.25M	166.42M	164.50M	180.78M	188.19M	107.52M
Stockholders Equity	32.63M	32.11M	32.77M	25.11M	24.83M	27.40M
Cash Flow
Free Cash Flow	837.00K	653.00K	-3.08M	5.51M	-2.70M	920.00K
Operating Cash Flow	949.00K	830.00K	-2.98M	5.67M	-2.51M	920.00K
Investing Cash Flow	-6.31M	-3.56M	6.83M	1.77M	-48.00K	-4.13M
Financing Cash Flow	3.06M	1.02M	-7.89M	-11.38M	5.85M	6.45M

Gouverneur Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 above the 20-day moving average (MA) of 17.45, above the 50-day MA of 17.41, and above the 200-day MA of 15.03, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 57.93 is Neutral, neither overbought nor oversold. The STOCH value of 86.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GOVB.

Gouverneur Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GOVB	62 Neutral	$18.74M	20.84	2.00%	1.00%	1.13%	40.47%
KFFB	54 Neutral	$37.12M	44.69	1.11%	―	15.56%	―
GLBZ	44 Neutral	$14.48M	-491.09	0.09%	―	5.76%	-72.73%
SHFS	43 Neutral	$2.82M	-0.05	-229.75%	―	-42.15%	-1001.66%

Gouverneur Bancorp Corporate Events

Gouverneur Bancorp Shareholders Elect Directors, Ratify Auditor

At its annual meeting held on February 9, 2026, Gouverneur Bancorp, Inc. shareholders elected Henry J. Leader, Duane M. Pelkey and Chad B. Soper to the board of directors for three-year terms, with each nominee receiving substantially more votes for than withheld despite a notable number of broker non-votes. Stockholders also ratified the appointment of Bonadio & Co., LLP as the company’s independent registered public accounting firm for the fiscal year ending September 30, 2026, reinforcing continuity in both corporate governance and external financial oversight for the regional banking group.

The most recent analyst rating on (GOVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Gouverneur Bancorp stock, see the GOVB Stock Forecast page.