Gouverneur Bancorp Inc principal activities are to accept deposits from the public and utilize those funds in loans, debt obligations which are issued by the United States government and its agencies and mortgage-backed securities. The group serves individuals and businesses in St. Lawrence, Jefferson, and Lewis Counties in New York State. The company operates through its subsidiary Gouverneur Savings and Loan Association. The bank offers commercial, non-mortgage loans to local businesses for working capital, machinery and equipment purchases, expansion and other business purposes.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.31
Equity-to-Asset	0.16
Debt-to-Equity	0.16
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	N/A/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.95	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	23.5
	3-Year FCF Growth Rate	112.4
	3-Year Book Growth Rate	5.5

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	83.57
	9-Day RSI	74.43
	14-Day RSI	68.52
	6-1 Month Momentum %	18.56
	12-1 Month Momentum %	15.69

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.66
	3-Year Dividend Growth Rate	-29.9
	Forward Dividend Yield %	0.66
	5-Year Yield-on-Cost %	0.2
	3-Year Average Share Buyback Ratio	7
	Shareholder Yield %	-4.66

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	6.26
	FCF Margin %	11.93
	ROE %	1.66
	ROA %	0.24
	Years of Profitability over Past 10-Year	8

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	28.4
	PE Ratio without NRI	28.4
	Shiller PE Ratio	18.87
	Price-to-Owner-Earnings	8.92
	PEG Ratio	4.06
	PS Ratio	1.88
	PB Ratio	0.41
	Price-to-Tangible-Book	0.5
	EV-to-Revenue	1.45
	EV-to-FCF	12.16
	Price-to-Projected-FCF	0.37
	Price-to-DCF (Earnings Based)	2.46
	Price-to-Peter-Lynch-Fair-Value	10.9
	Price-to-Graham-Number	0.79
	FCF Yield %	7.23
	Forward Rate of Return (Yacktman) %	8.86

Financials

Annual Quarterly TTM

GOVB's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:GOVB

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Gouverneur Bancorp Inc Executives

Details

GF Value: $18.81

GOVB

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Medium warning signs with GOVB. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	7.798
	EPS (TTM) ($)	0.43
	Beta	0.73
	Volatility %	19.07
	14-Day RSI	68.52
	14-Day ATR ($)	0.124861
	20-Day SMA ($)	11.857
	12-1 Month Momentum %	15.69
	52-Week Range ($)	9.5 - 13.5
	Shares Outstanding (Mil)	1.05

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	9999
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Gouverneur Bancorp Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Gouverneur Bancorp Inc Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Gouverneur Bancorp Inc Frequently Asked Questions

What is Gouverneur Bancorp Inc(GOVB)'s stock price today?

The current price of GOVB is $12.21. The 52 week high of GOVB is $13.50 and 52 week low is $9.50.

When is next earnings date of Gouverneur Bancorp Inc(GOVB)?

The next earnings date of Gouverneur Bancorp Inc(GOVB) is .

Does Gouverneur Bancorp Inc(GOVB) pay dividends? If so, how much?

The Dividend Yield % of Gouverneur Bancorp Inc(GOVB) is 0.66% (As of Today), Highest Dividend Payout Ratio of Gouverneur Bancorp Inc(GOVB) was 1. The lowest was 0.21. And the median was 0.61. The Forward Dividend Yield % of Gouverneur Bancorp Inc(GOVB) is 0.66%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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