Gouverneur Bancorp, Inc./MD/ (GOVB) stock analysis
Close on Oct 19, 2026Market cap $21.62MP/E 21.8Yield 0.76%
StockData Score
Prices as of Nov 11, 2026How the score works
Weak3 of 30 checks passed
Gouverneur Bancorp passes 3 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 0/6
- Past performance
- 1/6
- Financial health
- 2/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 16.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 86.9% of deposits, so lending is funded by customer deposits.
Net margin above its 5-year average
Net margin was 11.5% over the last twelve months, against a 5-year average of 10.4%.
What to watch
Return on equity under 15%
Return on equity was 3.1% over the last twelve months and averaged 2.8% over five years; we look for 15% on both.
Revenue growing under 10% a year
Revenue grew 5.0% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -1.4% a year over the last three fiscal years.
Growing slower than the industry
Revenue grew 6.1% over the last twelve months; the Savings Institutions median is 9.0%.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growing under 10% a year
Revenue grew 5.0% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -1.4% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 6.1% over the last twelve months; the Savings Institutions median is 9.0%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance1/6
Return on equity under 15%
Return on equity was 3.1% over the last twelve months and averaged 2.8% over five years; we look for 15% on both.
Return on assets under 1%
Return on assets was 0.5%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Gouverneur Bancorp's return on equity of 3.1% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin above its 5-year average
Net margin was 11.5% over the last twelve months, against a 5-year average of 10.4%.
Net margin below the industry
Gouverneur Bancorp's net margin of 11.5% is below the Savings Institutions median of 20.3%.
Financial health2/6
Well capitalized
Equity is 16.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 86.9% of deposits, so lending is funded by customer deposits.
Thin loan-loss reserve
The allowance for credit losses is 0.8% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 87.0% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 2.3% over the past year.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Gouverneur Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Gouverneur Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 23.3
- Savings Institutions median 13.7
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Margins
Share of revenue, fiscal years 2021 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.6% | +5.0% | – | – | |
| Net income | +36.0% | -21.7% | – | – | |
| EPS, diluted | +41.2% | -1.4% | – | – | |
| Dividend per share | – | 0.0% | – | – |
Returns and balance sheet
5 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2021 | FY2021 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 2.3% | |
| Return on assets | – | – | 0.4% | |
| Capex to revenue | – | – | 2.2% | |
| Diluted shares | – | – | 1M |
Cash use needs five years of cash flow figures
Gouverneur Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 8.9% | 0.04× | 6.10× | 2.3% |
| FY2024 | 6.8% | 0.04× | 6.97× | 1.9% |
| FY2023 | 4.1% | 0.04× | 8.39× | 1.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$733.00K
- Cash generatingOperating cash flow above zero$830.00K
- Return on assets improvedROA up on the prior year0.3% → 0.4%
- Earnings backed by cashOperating cash flow above net income$830.00K vs $733.00K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise1M → 1M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04
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