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Gouverneur Bancorp, Inc (GOVB) Fair Value & Analysis

Financial Services · US · Market cap $20.4M

Price$19.30
Fair Value$8.99
Upside-53.4%
Quality95/100
Evidence: High Range $6.75 – $11.24

Fair value as of: Jun 26, 2026

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Analysis

Gouverneur Bancorp, Inc (GOVB) currently trades at $19.30, while our model-based Fair Value estimate is $8.99 — implying the stock looks roughly 53.4% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 …

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Frequently asked questions

Is Gouverneur Bancorp, Inc (GOVB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $8.99 versus a price of $19.30 — about −53% (overvalued). Model-based estimate, not financial advice.
What is the fair value of GOVB?
Our 21-model fair value for Gouverneur Bancorp, Inc is $8.99 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.30.
What is the quality score of GOVB?
Gouverneur Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.