Is Gouverneur Bancorp, Inc. (GOVB) Stock a Good Investment?
Learn more about Gouverneur Bancorp, Inc.'s (GOVB) stock grades for Growth and determine whether this Banks stock meets your investment needs.Jack Gilleland
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. It accepts savings deposit, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company’s loan products include mortgage loans, one- to four-family residential loans, commercial real estate loans, and multifamily residential real estate loans, residential and commercial construction loans, commercial land loans, home equity loans, lines of credit, commercial loans, automobiles, motorcycles, campers, boats, and other recreational vehicles, as well as personal secured and unsecured loans. It also invests in municipal bonds, U.S. Government securities, U.S. Government agencies, municipal securities, and mortgage-backed securities. Gouverneur Bancorp, Inc. serves primarily St. Lawrence County, and Jefferson and Lewis counties in New York State. The company was founded in 1892 and is headquartered in Gouverneur, New York.
Commentary & Analysis
Financial Summary
| Share Statistics | GOVB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $24.0 | $691.6 | 11% |
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| Shares Out (Mil) | 1.0 | 15.4 | 5% |
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| Institutional Ownership | 29.2% | 84.0% | 12% |
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| Float (Mil) | 0.7 | 21.6 | 2% |
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| Beta | 0.06 | 0.45 | 7% |
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| Avg Daily Volume (000s) | 1 | 48 | 4% |
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| Price Change (52-week) |
121.2% | 91.5% | 95% |
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| Growth | GOVB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.6% | 7.7% | 61% |
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| Net Income (5yr) | (4.9%) | 11.1% | 34% |
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| EPS (5yr) | (1.4%) | 10.0% | 29 |
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| Dividends (5yr) | (12.9%) | 3.6% | 59% |
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| Cash Flow (5yr) | (27.9%) | (17.1%) | 22% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | GOVB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $9 | $188 | 8% |
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| Net Income (TTM) (Mil) | $1 | $54 | 40% |
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| EPS (TTM) | $0.957 | $2.600 | 60% |
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| Operating Cash Flow (TTM) (Mil) | $1 | $33 | 34% |
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| Net Cash Flow (TTM) (Mil) | ($1) | $2 | 40% |
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| Long-Term Debt (Q1) (Mil) | $0 | $94 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | GOVB | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.70 | 1.23 | 13% |
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| P/E | 23.7 | 12.0 | 62% |
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| Dividend Yield | 0.8% | 2.2% | 65% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | GOVB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 11.6% | 29.1% | 66% |
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| ROA | 0.5% | 1.1% | 41% |
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| ROE | 3.1% | 11.3% | 40% |
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| Liabilities to Assets | 83.5% | 89.7% | 78% |
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| F-Score | 4 | 4 | 33% |
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Gouverneur Bancorp, Inc. did not pass any screens on 10/1/2026.
