Gouverneur Bancorp, Inc. (GOVB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 4 | 6 | 7 | 8 | 8 | 8 | 9 | - |
| Operating profit | $m | 1 | 1 | ||||||
| Net profit | $m | -0 | 1 | 2 | 0 | 1 | 1 | 1 | - |
| EPS reported | $ | 0.72 | 0.96 | ||||||
| Operating cashflow per share | $ | 0.81 | 1.70 | ||||||
| Capex per share | $ | 0.17 | 0.26 | ||||||
| FCF per share | $ | 0.64 | 1.43 | ||||||
| Free cash flow | $m | 1 | 1 | ||||||
| Net debt | $m | -39 | -38 | ||||||
| Book value equity | $m | 32 | 33 | ||||||
| Book value per share | $ | 31.36 | 31.70 | ||||||
| Number of shares | m | 1.02 | 1.03 | ||||||
| DPS (TTM paid) | $ | 0.18 | 0.18 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 19.79 | 23.87 | ||||||
| P/B LTM | x | 0.45 | 0.45 | ||||||
| P/S LTM | x | 1.78 | 1.70 | ||||||
| P/FCF LTM | x | 22.35 | 18.54 | ||||||
| EV/EBITDA LTM | x | 12.48 | 11.35 | ||||||
| EV/Sales LTM | x | 1.75 | 1.79 | ||||||
| Earnings Yield LTM | % | +5.05% | +4.19% | ||||||
| FCF Yield | % | +4.48% | +5.39% | ||||||
| Quality | |||||||||
| ROE | % | +2.28% | +2.98% | ||||||
| ROIC | % | +1.44% | +0.48% | ||||||
| Operating margin | % | +8.16% | +10.58% | ||||||
| Gross margin | % | +83.78% | +84.27% | ||||||
| FCF/Sales | % | +6.72% | +14.78% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +41.18% | +88.24% | ||||||
| Sales Growth YoY | % | +3.40% | +7.97% | ||||||
| Net Income Growth YoY | % | +35.99% | +82.00% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +66.60% | +119.54% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.19% | +0.93% | ||||||
| Dividend Growth | % | +12.50% | +12.50% | ||||||
| Payout Ratio | % | +23.60% | +18.55% | ||||||
| FCF/Debt | x | 0.09 | 0.20 | ||||||
| Net Debt/EBITDA | x | 1.75 | -1.77 | ||||||
| EBIT/Net interest | x | 0.52 | 0.70 | ||||||
| Net debt/market cap | % | +96.16% | +4.93% | ||||||
| Net debt/Equity | x | -1.20 | -1.15 | ||||||
| Gross debt/equity | x | 0.22 | 0.12 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings and Loan Association, offering a full spectrum of banking products and financial services to both individual and commercial clients throughout New York State. The institution provides a diverse range of deposit accounts, including checking, passbook savings, NOW, and money market accounts, alongside certificates of deposit. Its extensive lending portfolio caters to various needs, encompassing personal loans (such as those for home improvement, automobiles, motorcycles, campers, boats, recreational vehicles, and passbook-secured loans), a variety of mortgage options (including construction loans and home equity lines of credit), as well as commercial loans for real estate, installments, short-term working capital, and equipment, along with commercial lines of credit and letters of credit. Beyond traditional banking, Gouverneur Bancorp strategically invests in general obligation municipal bonds, debt instruments issued by the U.S. government and its agencies, and mortgage-backed securities guaranteed by government-sponsored enterprises. Customers also benefit from a wide array of modern conveniences. These include digital banking platforms like online, mobile, bill pay, and telephone banking. Additional services cover ATM and debit card access, direct deposits, mobile remote deposit capture, automated payments and transfers, bank checks, wire transfers, and safe deposit box rentals. Clients can choose between electronic or paper statements. The company primarily serves St. Lawrence, Jefferson, and Lewis counties within New York State, operating through two full-service branch locations. Gouverneur Bancorp, Inc. was established in 1892 and is headquartered in Gouverneur, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Gouverneur Bancorp, Inc. (GOVB)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings and Loan Association, offering a full spectrum of banking products and financial services to both individual and commercial clients throughout New York State. The institution provides a diverse range of deposit accounts, including checking, passbook savings, NOW, and money market accounts, alongside certificates of deposit. Its extensive lending portfolio caters to various needs, encompassing personal loans (such as those for home improvement, automobiles, motorcycles, campers, boats, recreational vehicles, and passbook-secured loans), a variety of mortgage options (including construction loans and home equity lines of credit), as well as commercial loans for real estate, installments, short-term working capital, and equipment, along with commercial lines of credit and letters of credit. Beyond traditional banking, Gouverneur Bancorp strategically invests in general obligation municipal bonds, debt instruments issued by the U.S. government and its agencies, and mortgage-backed securities guaranteed by government-sponsored enterprises. Customers also benefit from a wide array of modern conveniences. These include digital banking platforms like online, mobile, bill pay, and telephone banking. Additional services cover ATM and debit card access, direct deposits, mobile remote deposit capture, automated payments and transfers, bank checks, wire transfers, and safe deposit box rentals. Clients can choose between electronic or paper statements. The company primarily serves St. Lawrence, Jefferson, and Lewis counties within New York State, operating through two full-service branch locations. Gouverneur Bancorp, Inc. was established in 1892 and is headquartered in Gouverneur, New York.
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