GOVB
Gouverneur Bancorp, Inc.
Price Chart
Latest Quote
$19.30
+0.00 (+0.00%)
Current Price
| Previous Close | $19.30 |
| Open | $19.30 |
| Day High | $19.30 |
| Day Low | $19.30 |
| Volume | 1,000 |
Stock Information
| Quarterly Dividend / Yield | $0.18 / 0.93% |
| Shares Outstanding | 1.06M |
| Quarterly Dividend Yield | 0.93% |
| Quarterly Dividend | $0.18 |
| Total Debt | $1.02M |
| Cash Equivalents | $5.97M |
| Revenue | $8.43M |
| Net Income | $959K |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $20.45M |
| P/E Ratio | 20.53 |
| EPS (TTM) | $0.94 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $14.60M |
| Sales | $8.43M |
| Income | $959K |
| Book/sh | $32.27 |
| Cash/sh | $5.64 |
| Employees | 37 |
Financial Ratios
| EPS Growth TTM | 83.90% |
Returns & Margins
| ROA | 0.48% |
| ROE | 2.99% |
| Operating Margin | 10.39% |
| Profit Margin | 11.38% |
Ownership
| Insider Ownership | 17.69% |
| Institutional Ownership | 23.57% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 101.58 |
| PEG | 2.29 |
| P/S | 2.43 |
| P/B | 0.60 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $19.28 |
| SMA50 | $18.86 |
| SMA200 | $16.87 |
| RSI | 50.85 |
| ATR | 0.2500 |
| Shares Float | 720K |
| Short Float | 0.45% |
| Short Ratio | 4.42 |
| Volatility | 0.05 |
Performance History
| Week | +0.26% |
| Month | +1.58% |
| Quarter | +10.81% |
| 6 Months | +13.40% |
| YTD | +10.81% |
| Year | +43.51% |
| 3 Years | +37.97% |
| 5 Years | +7.90% |
| 10 Years | -9.87% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $19.30 | 0 |
| 2026-06-22 | $19.30 | 1,000 |
| 2026-06-18 | $19.25 | 0 |
| 2026-06-17 | $19.25 | 0 |
| 2026-06-16 | $19.25 | 0 |
| 2026-06-15 | $19.25 | 0 |
| 2026-06-12 | $19.25 | 200 |
| 2026-06-11 | $19.45 | 0 |
| 2026-06-10 | $19.45 | 0 |
| 2026-06-09 | $19.45 | 0 |
| 2026-06-08 | $19.45 | 0 |
| 2026-06-05 | $19.45 | 1,000 |
| 2026-06-04 | $18.75 | 200 |
| 2026-06-03 | $20.00 | 1,000 |
| 2026-06-02 | $19.25 | 0 |
| 2026-06-01 | $19.25 | 2,500 |
| 2026-05-29 | $19.25 | 0 |
| 2026-05-28 | $19.25 | 1,000 |
| 2026-05-27 | $18.91 | 0 |
| 2026-05-26 | $18.91 | 300 |
About Gouverneur Bancorp, Inc.
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.
đ° Latest News
No news articles available at the moment. Check back later for updates on GOVB.
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $8,203,000 | $7,933,000 | $7,663,000 | $7,085,000 |
| Operating Revenue | $8,203,000 | $7,933,000 | $7,663,000 | $7,085,000 |
| Expenses | ||||
| Interest Expense | $1,518,000 | $1,418,000 | $570,000 | $268,000 |
| General And Administrative Expense | $3,795,000 | $3,927,000 | $3,724,000 | $2,565,000 |
| Professional Expense And Contract Services Expense | $665,000 | $671,000 | $529,000 | $861,000 |
| Other Non Interest Expense | $1,586,000 | $1,404,000 | $1,597,000 | $1,030,000 |
| Operating Expense | - | - | $7,308,000 | $4,546,000 |
| Other Operating Expenses | - | - | $1,597,000 | $1,030,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Net Interest Income | $7,148,000 | $7,147,000 | $7,592,000 | $4,279,000 |
| Interest Income | $8,666,000 | $8,565,000 | $8,162,000 | $4,547,000 |
| Normalized Income | $733,000 | $550,060 | $317,000 | $1,527,000 |
| Net Income From Continuing And Discontinued Operation | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Net Income Common Stockholders | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Net Income | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Net Income Including Noncontrolling Interests | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Net Income Continuous Operations | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Pretax Income | $793,000 | $476,000 | $233,000 | $1,919,000 |
| Special Income Charges | $0 | $-14,000 | $0 | $-559,000 |
| Depreciation Amortization Depletion Income Statement | $370,000 | $416,000 | $459,000 | $0 |
| Depreciation And Amortization In Income Statement | $370,000 | $416,000 | $459,000 | $0 |
| Amortization Of Intangibles Income Statement | $370,000 | $416,000 | $459,000 | $0 |
| Per Share | ||||
| Diluted EPS | - | $0.51 | $0.16 | $0.75 |
| Basic EPS | - | $0.51 | $0.16 | $0.75 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-2,940 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-14,000 | $0 | $-559,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-14,000 | $0 | $-559,000 |
| Reconciled Depreciation | $567,000 | $649,000 | $704,000 | $138,000 |
| Diluted NI Availto Com Stockholders | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Tax Provision | $60,000 | $-63,000 | $-84,000 | $392,000 |
| Gain On Sale Of Security | $77,000 | $-152,000 | $-809,000 | $2,158,000 |
| Amortization | $370,000 | $416,000 | $459,000 | $0 |
| Selling General And Administration | $3,795,000 | $3,927,000 | $3,724,000 | $2,565,000 |
| Salaries And Wages | $3,795,000 | $3,927,000 | $3,724,000 | $2,565,000 |
| Occupancy And Equipment | $935,000 | $955,000 | $999,000 | $648,000 |
| Diluted Average Shares | - | $1,053,000 | $2,031,000 | $2,031,000 |
| Basic Average Shares | - | $1,053,000 | $2,031,000 | $2,031,000 |
| Other Special Charges | - | $14,000 | - | $1,000 |
| Rent And Landing Fees | - | - | $999,000 | $648,000 |
| Restructuring And Mergern Acquisition | - | - | - | $558,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $26,577,000 | $26,864,000 | $18,791,000 | $18,331,000 |
| Total Assets | $198,528,000 | $197,260,000 | $205,885,000 | $213,019,000 |
| Goodwill And Other Intangible Assets | $5,531,000 | $5,901,000 | $6,317,000 | $6,498,000 |
| Other Intangible Assets | $1,294,000 | $1,664,000 | $2,080,000 | $2,542,000 |
| Cash And Cash Equivalents | $4,659,000 | $6,370,000 | $10,891,000 | $15,062,000 |
| Cash Financial | $3,949,000 | $4,302,000 | $9,306,000 | $10,109,000 |
| Cash Cash Equivalents And Federal Funds Sold | $4,659,000 | $6,370,000 | $10,891,000 | $15,062,000 |
| Investmentin Financial Assets | - | - | $46,624,000 | $49,646,000 |
| Receivables | - | - | $4,997,000 | $5,736,000 |
| Accounts Receivable | - | - | $4,997,000 | $5,736,000 |
| Debt | ||||
| Net Debt | $2,341,000 | - | $3,099,000 | - |
| Total Debt | $7,000,000 | - | $13,990,000 | - |
| Long Term Debt And Capital Lease Obligation | $7,000,000 | - | $13,990,000 | - |
| Long Term Debt | $7,000,000 | - | $13,990,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $166,420,000 | $164,495,000 | $180,777,000 | $188,190,000 |
| Payables And Accrued Expenses | - | - | $7,566,000 | $3,806,000 |
| Payables | - | - | $7,566,000 | $3,806,000 |
| Accounts Payable | - | - | $7,566,000 | $3,806,000 |
| Equity | ||||
| Common Stock Equity | $32,108,000 | $32,765,000 | $25,108,000 | $24,829,000 |
| Total Equity Gross Minority Interest | $32,108,000 | $32,765,000 | $25,108,000 | $24,829,000 |
| Stockholders Equity | $32,108,000 | $32,765,000 | $25,108,000 | $24,829,000 |
| Other Equity Interest | $-501,000 | $-540,000 | - | - |
| Gains Losses Not Affecting Retained Earnings | $-2,187,000 | $-1,606,000 | $-4,123,000 | $-4,288,000 |
| Other Equity Adjustments | $-2,187,000 | $-1,606,000 | $-4,123,000 | $-4,288,000 |
| Retained Earnings | $28,972,000 | $28,413,000 | $28,242,000 | $28,128,000 |
| Other | ||||
| Treasury Shares Number | $56,189 | $53,989 | $352,231 | - |
| Ordinary Shares Number | $1,050,945 | $1,053,145 | $1,679,146 | $1,679,146 |
| Share Issued | $1,107,134 | $1,107,134 | $2,031,377 | $1,679,146 |
| Tangible Book Value | $26,577,000 | $26,864,000 | $18,791,000 | $18,331,000 |
| Invested Capital | $39,108,000 | - | $39,098,000 | - |
| Total Capitalization | $39,108,000 | - | $39,098,000 | - |
| Treasury Stock | $701,000 | $0 | $4,070,000 | $4,070,000 |
| Additional Paid In Capital | $6,514,000 | $6,487,000 | $5,035,000 | $5,035,000 |
| Capital Stock | $11,000 | $11,000 | $24,000 | $24,000 |
| Common Stock | $11,000 | $11,000 | $24,000 | $24,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $40,931,000 | $45,348,000 | $46,624,000 | $49,646,000 |
| Goodwill | $4,237,000 | $4,237,000 | $4,237,000 | $3,956,000 |
| Net PPE | $2,904,000 | $2,924,000 | $3,073,000 | $3,155,000 |
| Accumulated Depreciation | $-2,658,000 | $-2,462,000 | $-2,530,000 | $-2,288,000 |
| Gross PPE | $5,562,000 | $5,386,000 | $5,603,000 | $5,443,000 |
| Machinery Furniture Equipment | $1,197,000 | $1,066,000 | $1,354,000 | $1,214,000 |
| Buildings And Improvements | $3,519,000 | $3,474,000 | $3,403,000 | $3,383,000 |
| Land And Improvements | $846,000 | $846,000 | $846,000 | $846,000 |
| Other Short Term Investments | $40,931,000 | $45,348,000 | $46,624,000 | $49,645,000 |
| Held To Maturity Securities | - | - | $0 | $1,000 |
| Available For Sale Securities | - | - | $46,624,000 | $49,645,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $653,000 | $-3,076,000 | $5,509,000 | $-2,697,000 |
| Operating Activities | ||||
| Operating Cash Flow | $830,000 | $-2,978,000 | $5,669,000 | $-2,509,000 |
| Cash Flow From Continuing Operating Activities | $830,000 | $-2,978,000 | $5,669,000 | $-2,509,000 |
| Operating Gains Losses | $-86,000 | $1,000 | $661,000 | $1,000 |
| Investing Activities | ||||
| Capital Expenditure | $-177,000 | $-98,000 | $-160,000 | $-188,000 |
| Investing Cash Flow | $-3,562,000 | $6,835,000 | $1,770,000 | $-48,000 |
| Cash Flow From Continuing Investing Activities | $-3,562,000 | $6,835,000 | $1,770,000 | $-48,000 |
| Net Other Investing Changes | $-273,000 | $739,000 | $-404,000 | $167,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-701,000 | $0 | - | - |
| Issuance Of Capital Stock | $0 | $4,932,000 | $0 | - |
| Financing Cash Flow | $1,021,000 | $-7,894,000 | $-11,376,000 | $5,852,000 |
| Cash Flow From Continuing Financing Activities | $1,021,000 | $-7,894,000 | $-11,376,000 | $5,852,000 |
| Net Other Financing Charges | $18,000 | $40,000 | $10,000 | $-42,000 |
| Cash Dividends Paid | $-174,000 | $0 | $-203,000 | $-116,000 |
| Common Stock Dividend Paid | $-174,000 | $0 | $-203,000 | $-116,000 |
| Net Common Stock Issuance | $-701,000 | $4,932,000 | $0 | - |
| Common Stock Issuance | $0 | $4,932,000 | $0 | - |
| Other | ||||
| Interest Paid Supplemental Data | $1,497,000 | $1,472,000 | $525,000 | $297,000 |
| End Cash Position | $4,659,000 | $6,370,000 | $10,407,000 | $14,344,000 |
| Beginning Cash Position | $6,370,000 | $10,407,000 | $14,344,000 | $11,049,000 |
| Changes In Cash | $-1,711,000 | $-4,037,000 | $-3,937,000 | $3,295,000 |
| Common Stock Payments | $-701,000 | $0 | - | - |
| Net Issuance Payments Of Debt | $7,000,000 | $-13,990,000 | $13,990,000 | $0 |
| Net Short Term Debt Issuance | $7,000,000 | $-13,990,000 | $13,990,000 | $0 |
| Net Investment Purchase And Sale | $4,386,000 | $5,510,000 | $3,055,000 | $188,000 |
| Sale Of Investment | $7,296,000 | $10,651,000 | $10,889,000 | $2,120,000 |
| Purchase Of Investment | $-2,910,000 | $-5,141,000 | $-7,834,000 | $-1,932,000 |
| Net PPE Purchase And Sale | $-177,000 | $-98,000 | $-160,000 | $-188,000 |
| Purchase Of PPE | $-177,000 | $-98,000 | $-160,000 | $-188,000 |
| Change In Working Capital | $123,000 | $-3,472,000 | $4,737,000 | $-4,573,000 |
| Change In Payables And Accrued Expense | $-39,000 | $-3,374,000 | $4,206,000 | $-2,273,000 |
| Change In Payable | $-39,000 | $-3,374,000 | $4,206,000 | $-2,273,000 |
| Change In Account Payable | $-39,000 | $-3,374,000 | $4,206,000 | $-2,273,000 |
| Change In Receivables | $162,000 | $-98,000 | $531,000 | $-2,300,000 |
| Changes In Account Receivables | $162,000 | $-98,000 | $531,000 | $-2,300,000 |
| Other Non Cash Items | $-171,000 | $-171,000 | $-174,000 | $-154,000 |
| Stock Based Compensation | $66,000 | $37,000 | $0 | - |
| Deferred Tax | $15,000 | $-74,000 | $-116,000 | $385,000 |
| Deferred Income Tax | $15,000 | $-74,000 | $-116,000 | $385,000 |
| Depreciation Amortization Depletion | $567,000 | $649,000 | $704,000 | $138,000 |
| Depreciation And Amortization | $567,000 | $649,000 | $704,000 | $138,000 |
| Amortization Cash Flow | $370,000 | $416,000 | $462,000 | $0 |
| Amortization Of Intangibles | $370,000 | $416,000 | $462,000 | $0 |
| Depreciation | $197,000 | $233,000 | $242,000 | $138,000 |
| Gain Loss On Investment Securities | $-16,000 | $-13,000 | $661,000 | $0 |
| Gain Loss On Sale Of PPE | $0 | $14,000 | $0 | $1,000 |
| Net Income From Continuing Operations | $733,000 | $539,000 | $317,000 | $1,527,000 |
| Asset Impairment Charge | - | $0 | $24,000 | $25,000 |
| Repayment Of Debt | - | - | $-42,970,000 | $-8,500,000 |
| Issuance Of Debt | - | - | $56,960,000 | $8,500,000 |
| Short Term Debt Payments | - | - | $-42,970,000 | $-8,500,000 |
| Short Term Debt Issuance | - | - | $56,960,000 | $8,500,000 |
| Net Business Purchase And Sale | - | - | $0 | $1,914,000 |
| Sale Of Business | - | - | $0 | $1,914,000 |
| Provisionand Write Offof Assets | - | - | $146,000 | $86,000 |
| Net Long Term Debt Issuance | - | - | - | $0 |
| Long Term Debt Payments | - | - | - | $-8,500,000 |
| Long Term Debt Issuance | - | - | - | $8,500,000 |
Fetched: 2026-02-02