Gouverneur Bancorp Inc (GOVB)
OTHER OTC:GOVB
Top Page
Gouverneur Bancorp
(OTC:GOVB)
Select Model
Select Model
Rating:62Neutral
Price Target:
$18.50
▲(5.71% Upside)
Action:ReiteratedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Gouverneur Bancorp (GOVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.05M
Dividend Yield1%
Average Volume (3M)120.00
Price to Earnings (P/E)15.6
Beta (1Y)0.22
Revenue Growth1.13%
EPS Growth40.47%
CountryUS
Employees40
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.28
Shares Outstanding1,062,979
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 Cap1.08
Enterprise Value/Revenue2.08
Enterprise Value/Gross Profit2.47
Enterprise Value/Ebitda14.62
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
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, ...
Gouverneur Bancorp Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
74
Positive
Cash Flow
55
Neutral
| 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
Positive
17.50
Price Trends
17.53
Positive
17.21
Positive
15.68
Positive
Market Momentum
0.08
Negative
64.10
Neutral
72.00
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 17.60, below the 50-day MA of 17.53, and above the 200-day MA of 15.68, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 64.10 is Neutral, neither overbought nor oversold. The STOCH value of 72.00 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $19.05M | 15.61 | 2.00% | 1.00% | 1.13% | 40.47% | |
54 Neutral | $35.66M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $14.10M | -32.65 | 0.09% | ― | 5.76% | -72.73% | |
43 Neutral | $2.31M | 28.99 | -229.75% | ― | -42.15% | -1001.66% |
* Financial Sector Average
GOVB
Gouverneur Bancorp
17.93
5.59
45.26%
CARV
Carver Bancorp
1.69
0.25
17.57%
GLBZ
Glen Burnie Bancorp
4.83
-0.22
-4.36%
KFFB
Kentucky First Federal Bancorp
4.41
1.59
56.38%
SHFS
SHF Holdings
0.75
-1.39
-64.95%
MBBC
Marathon Bancorp
13.25
3.63
37.73%
Gouverneur Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Gouverneur Bancorp Shareholders Elect Directors, Ratify Auditor
Positive
Feb 11, 2026
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 f...
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.