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Home CompaniesGouverneur Bancorp

Gouverneur Bancorp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
21.25 USD 0.00(0%)
Last update at 2026-11-10T21:00:00Z
VOLUME
400
Market Cap
23.93M
P/E
23.54

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
21.25
Low
21.25
High
52 Week Price Range
13.84
Low
22.60
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Gouverneur Bancorp is a small community bank holding company that provides deposit, lending and related services to local customers and businesses. Long-term growth could be supported by modest loan expansion, higher net interest margins and diversified fee income if local economic conditions remain stable and management executes effectively.

Key risks include concentrated local lending and deposit bases, sensitivity to interest-rate and credit cycles, limited disclosure and liquidity as an OTCQB small-cap, and regulatory or capital constraints.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
21.25
Dividend Yield
0.82%
Revenue TTM
8.48M
Revenue Per Share
8.28
Gross Profit TTM
8.48M
Debt / Equity
0.56
ROE
3.06%
Net Debt
2.34M
ROCE
0.12%
Diluted EPS TTM
0.96

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 0.79M 0.48M 0.23M - -
Net income 0.73M 0.54M 0.32M - -
Selling general administrative 3.79M 3.93M 3.72M - -
Gross profit - - 7.62M - -
Reconciled depreciation 0.57M 0.65M 0.70M - -
Ebit - - 0.23M - -
Ebitda - - 0.94M - -
Depreciation and amortization - - 0.70M - -
Operating income - - 0.23M - -
Other operating expenses - - 7.39M 0.66M 0.80M
Interest expense 1.52M 1.42M 0.57M - 0.00M
Tax provision 0.06M -0.06M -0.08M - -
Interest income 8.67M 8.56M 8.16M - -
Net interest income 7.15M 7.15M 7.59M - -
Income tax expense - - -0.08M 0.39M -0.09M
Total revenue 8.20M 7.93M 7.62M - -
Total operating expenses - - -7.39M - -
Net income from continuing ops 0.73M 0.54M 0.32M - -
Net income applicable to common shares - - - 1.53M 1.26M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 198.53M 197.26M 205.88M - -
Intangible assets 1.29M 1.66M 2.08M - -
Other current assets - - - 1.00M 0.68M
Total liab 166.42M 164.50M 180.78M - -
Total stockholder equity 32.11M 32.77M 25.11M - -
Other current liab - - -7.57M - -
Common stock - - 0.02M 0.02M 0.02M
Capital stock 0.01M 0.01M 0.02M - -
Retained earnings 28.97M 28.41M 28.24M 28.13M 26.72M
Other liab - - - 4.24M 5.64M
Good will 4.24M 4.24M 4.24M - -
Other assets - - 87.36M 135.64M 95.13M
Cash 4.66M 6.37M 10.89M - -
Total current liabilities - - 7.57M 183.95M 101.88M
Net debt 2.34M - 3.10M - -
Short long term debt total - - 13.99M - -
Other stockholder equity - - 0.96M -4.29M -0.30M
Property plant equipment - - - 3.15M 2.40M
Total current assets - - 62.51M 17.19M 12.01M
Long term investments 40.93M 45.35M 46.62M - -
Net tangible assets - - - 18.33M 27.40M
Short term investments 40.93M 45.35M 46.62M - -
Net receivables - - 5.00M - -
Long term debt 7.00M - 13.99M - -
Inventory - - - 0.07M 0.28M
Accounts payable - - 7.57M 183.95M 100.75M
Accumulated other comprehensive income - - -4.12M - -
Non currrent assets other - - -56.01M - -
Non current assets total - - 56.01M - -
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments 4.39M 5.51M 1.77M 0.19M -4.57M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities - - - -0.05M -4.13M
Net borrowings 7.00M -13.99M 13.99M - -3.00M
Total cash from financing activities 1.02M -7.89M -11.38M 5.85M 6.45M
Change to operating activities - - - -2.27M -1.77M
Net income 0.73M 0.54M 0.32M 1.53M 1.26M
Change in cash -1.71M -4.04M -3.94M 3.29M 3.24M
Begin period cash flow 6.37M 10.41M 14.34M - -
End period cash flow 4.66M 6.37M 10.41M - -
Total cash from operating activities 0.83M -2.98M 5.67M -2.51M 0.92M
Issuance of capital stock 0.00M 4.93M 0.00M - -
Depreciation 0.57M 0.65M 0.70M 0.14M 0.14M
Other cashflows from investing activities - - - 0.17M 0.18M
Dividends paid 0.17M 0.00M 0.20M -0.12M -0.17M
Change to account receivables 0.16M -0.10M 0.53M - -
Sale purchase of stock -0.70M 0.00M - - -
Other cashflows from financing activities - - 31.80M 5.97M 9.62M
Change to netincome - - - 0.29M 0.57M
Capital expenditures 0.18M 0.10M 0.16M 0.19M 0.19M
Change in working capital 0.12M -3.47M 4.74M - -
Stock based compensation 0.07M 0.04M 0.11M - -
Other non cash items -0.17M -0.17M -0.08M - -
Free cash flow 0.65M -3.08M 5.51M - -

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
GOVB
Gouverneur Bancorp		 -
-%		 21.25 23.54 20.62 2.82 0.71 3.19
DBSDY
DBS Group Holdings Ltd ADR		 1.63
0.74%		 220.68 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.32
0.93%		 34.21 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.01
0.01%		 93.32 11.53 10.27 5.72 1.83 8.22

Profile*

Gouverneur Bancorp

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.

42 Church Street, Gouverneur, NY, United States, 13642

315 287 2600

https://www.gouverneurbank.com

37

Name Title Year Born
Mr. Faye C. Waterman Pres & CEO NA
Ms. Kimberly A. Adams VP & CFO NA
Mr. Victor James VP & COO NA
Sadie Hall VP & Compliance Officer NA
Mr. John L. Bartlett Sr. VP 1965
Mr. Henry J. Leader Sec. & Director 1962
Ms. Cortney Sharpe Treasurer NA
Mr. Stephen M. Jefferies CEO, President & Director 1965
Mr. James D. Campanaro VP & CFO 1995
Ms. Sadie M. Hall VP, Compliance Officer & COO 1991

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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