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Gouverneur Bancorp (GOVB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Gouverneur Bancorp stock $20.90, price $21.42, that is 2.4% below the price, quality 50 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

GB Gouverneur Bancorp logo Broad data Nov 3, 2026

Gouverneur Bancorp

GOVB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Solidly profitable · 11.6% net margin (TTM)
0.8% dividend yield · Low payout
Broad data
Fair value $20.90 · Fairly valued
Quality 50/100
Mixed Growth (revenue 5y +14.7 %/yr in USD)
Insiders bought $1,894 (6M)
Trails peers (4/15)
Narrow moat 37/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$23.37 $8.58 Fair Value $20.90 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $8.58 – $23.37 · fair‑value band $16.55 – $25.10 · the $21.42 price screens above the $20.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

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.

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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.

Stock analysis

Gouverneur Bancorp (GOVB) currently trades at $21.42, while our model-based Fair Value estimate is $20.90, so the stock looks roughly fairly valued today (gap 2.5%).

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Valuation

Bull case: the Multiples group reads highest at a median of $22.07 per share, and 1 of the 6 models we run sit above the $21.42 price.

Bear case: the Dividend Discount group reads lowest at $2.98, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $16.55 (bear) to $25.10 (bull), the price of $21.42 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Gouverneur Bancorp reported revenue of $8.2M in FY2025 versus $5.9M in FY2021, a compound +8.7%/yr. Reported net income was $733K in FY2025, compounding −12.6%/yr from FY2021.

Key figures

Market cap $22.5M Micro · P/E ratio 22.3 · P/S ratio 2.65 · EPS (TTM) $0.9600 · Dividend yield 0.8% · Net margin 11.6% · Return on equity 3.1% · Return on assets (EBIT) 0.4% (4-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 8% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −2%, GOVB screens cheaper than that median.

Fair Value models

Bear $16.55 Fair Value $20.90 Bull $25.10
Price $21.42 · Downside -2.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.7800 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $20.96 $20.90 $21.84 76
DDM Multi-Stage $1.58 $2.51 $3.55 66
Gordon GGM $1.58 $3.44 $5.78 65
All 6 models by family
Dividend Discount
Gordon GGM $1.58 $3.44 $5.78 65
DDM Multi-Stage $1.58 $2.51 $3.55 66
Multiples
P/E Multiple $6.75 $9.00 $11.25 63
P/B Multiple $26.35 $35.14 $43.92 55
Asset-Based
NCAV (Graham) $12.55 $16.82 $25.10 54
Economic Profit
Residual Income $20.96 $20.90 $21.84 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 50
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 67
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 91
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $1,894, on May 15, 2026.

  • BuyDuane Milton PelkeyDirector3× since Feb 11, 2026: 1,850 shares, avg. $18.10$33,494May 15, 2026

Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
Start year 2020 (pandemic)
Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.4%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+21.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.6%
Dividend (yield on the price)0.8%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −2.4% · Above median
Profitability
Return on equity (12 months) 3.1% · Bottom 25%
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 11.6% · Bottom 25%
Operating margin (12 months) 11.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 2.9% · Below median
Dividend yield (12 months) 0.8% · Bottom 25%
Balance sheet
Debt / equity 0.22× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 22.3× · Priciest 25%
P/B 0.70× · Cheapest 25%
P/S (12 months) 2.65× · Cheaper than median
Price / free cash flow (fiscal year) 34.5× · Priciest 25%
EV/EBITDA 26.5× · Priciest 25%
PEG 2.29× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)30 · sector 8
FUTURE (revenue growth)15 · sector 47
PAST (return on equity)12 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)17 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs GOVB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs GOVB
BNP Paribas SA BNP €91.93 €106.01 +15% vs GOVB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs GOVB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs GOVB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs GOVB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs GOVB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs GOVB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs GOVB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs GOVB

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Gouverneur Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Gouverneur Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/GOVB

Frequently asked questions

Is Gouverneur Bancorp (GOVB) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $20.90 versus a price of $21.42, about 2% lower (fairly valued).
What is the fair value of GOVB?
Our model-based fair value for Gouverneur Bancorp is $20.90 (as of Nov 3, 2026), built from audited fundamentals. The current price: $21.42.
What is the quality score of GOVB?
Gouverneur Bancorp has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Gouverneur Bancorp (GOVB)?
Our model-based price target is the fair value of $20.90 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $16.55, optimistic scenario $25.10. It is a calculation from audited fundamentals, not an analyst target.
What is the Gouverneur Bancorp stock forecast for 2026?
Our models put fair value at $20.90, about 2% lower versus a price of $21.42 (fairly valued). Cautious scenario $16.55, optimistic scenario $25.10. The calculation is refreshed regularly with new filings.
What is the revenue of Gouverneur Bancorp (GOVB)?
Gouverneur Bancorp reported trailing-twelve-month revenue of about $8.5M (latest available figure, as of Nov 3, 2026).
Does Gouverneur Bancorp pay a dividend?
Gouverneur Bancorp currently shows a dividend yield of 0.84% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Gouverneur Bancorp (GOVB) and when is the ex-dividend date?
Gouverneur Bancorp pays a dividend of $0.18 per share a year, a dividend yield of 0.8%. The last ex-dividend date was Nov 2, 2026. A dividend has been paid every year since at least 2000. The payout ratio is 14.1% of earnings (on adjusted earnings, reported 18.8%). Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Gouverneur Bancorp (GOVB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gouverneur Bancorp it is $20.90 per share (as of Nov 3, 2026), against a price of $21.42. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Gouverneur Bancorp stock overvalued or undervalued in 2026?
As of Nov 3, 2026, GOVB trades above its calculated fair value: price $21.42, fair value $20.90, a gap of about −2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GOVB?
No. The price is what the market pays today ($21.42); the fair value is what the company's own numbers justify ($20.90). For Gouverneur Bancorp the two are $0.5200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gouverneur Bancorp worth?
The market values Gouverneur Bancorp at about $22.5M (market capitalisation, as of Nov 3, 2026). Per share that is $21.42; our models calculate a fair value of $20.90 per share.
What do the bullish and bearish scenarios say about GOVB?
Our models span a range for Gouverneur Bancorp: cautious scenario $16.55, base $20.90, optimistic $25.10 per share (as of Nov 3, 2026, price $21.42). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GOVB?
Gouverneur Bancorp trades at a price-to-earnings ratio of 22.3 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $20.90 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 23.0 (reported for FY2025: 30.6). Other multiples: PEG 2.3, P/B 0.7, P/S 2.7, EV/EBITDA 26.5.
What is the PEG ratio of GOVB?
The PEG ratio of Gouverneur Bancorp is 2.29 (P/E divided by earnings growth, as of Nov 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Gouverneur Bancorp (GOVB)?
Balance-sheet figures for Gouverneur Bancorp (as of Nov 3, 2026): return on equity 3.1%, debt of 0.22 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is GOVB from its 52-week high?
Gouverneur Bancorp trades at $21.42, about 8% below its 52-week high of $23.37 and 49% above the low of $14.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $20.90 is for.
Which stocks are comparable to Gouverneur Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Gouverneur Bancorp stock attractive at the current price?
The data as of Nov 3, 2026: price $21.42, calculated fair value $20.90 (−2%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GOVB calculated?
We run Gouverneur Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $20.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Gouverneur Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Gouverneur Bancorp (GOVB)?
The closing price on Nov 6, 2026 was $21.42. Our model-based fair value is $20.90, about 2% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gouverneur Bancorp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Gouverneur Bancorp

How large is the market capitalisation of Gouverneur Bancorp (GOVB)?
The market capitalisation of Gouverneur Bancorp is $22.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Gouverneur Bancorp (GOVB)?
The price-to-sales ratio of Gouverneur Bancorp is 2.65 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gouverneur Bancorp (GOVB)?
Earnings per share at Gouverneur Bancorp are $0.9600 (price ÷ EPS = P/E 22.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Gouverneur Bancorp (GOVB)?
The dividend yield of Gouverneur Bancorp is 0.8% (payout 14.1%, on adjusted earnings, reported 18.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Gouverneur Bancorp (GOVB)?
The net margin of Gouverneur Bancorp is 11.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Gouverneur Bancorp (GOVB)?
The return on equity (ROE) of Gouverneur Bancorp is 3.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Gouverneur Bancorp (GOVB)?
On an EBIT basis the return on assets of Gouverneur Bancorp is 0.4% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Gouverneur Bancorp (GOVB)?
The operating margin of Gouverneur Bancorp is 11.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gouverneur Bancorp (GOVB)?
Revenue at Gouverneur Bancorp is growing +2.9% versus a year earlier (3y avg +4.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Gouverneur Bancorp (GOVB)?
Earnings per share at Gouverneur Bancorp are growing +6.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Gouverneur Bancorp (GOVB) generate?
The free cash flow of Gouverneur Bancorp is $653K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Gouverneur Bancorp (GOVB) carry?
The net debt of Gouverneur Bancorp is $2.3M (fiscal year 2025, ≈ 3.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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