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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 | - | - |
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 |
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
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 |
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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Energy
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Financial Services
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