Accessibility Menu
Gouverneur Bancorp logo

Gouverneur Bancorp(OTC) GOVB

Current Price$19.44
Market Cap$20.59MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+316%
5 Year+10%
1 Year+48%
1 Month+1%
Gouverneur Bancorp last closing stock price
MetricPriceDate
Last closeUSD 19.442026-07-21
Gouverneur Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.08%USD 19.652026-07-14
1 month+0.97%USD 19.252026-06-17
3 month+8.5%USD 17.912026-04-22
Year to date+11.6%USD 17.422025-12-31
1 year+48.35%USD 13.102025-07-21
3 year+37.16%USD 14.172023-07-20
5 year+10.29%USD 17.622021-07-22
Since inception+316.06%USD 4.671999-03-23

Gouverneur Bancorp Financials at a Glance

Market Cap

$20.59MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$10.02M

Net Income (TTM)

$959.00K

EPS (TTM)

$0.94

P/E Ratio

20.64

Dividend

$0.18

Beta (Volatility)

0.08 (Low)

Price

$19.44

Volume

50

Open

$19.44

Previous Close

$19.44

Daily Range

$19.44 - $19.44

52-Week Range

$13.60 - $20.00

Estimated Earnings Date

Apr 21, 2026

GOVB News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Gouverneur Bancorp

Gouverneur Bancorp offers savings accounts and loans to people and businesses in upstate New York. Its services help customers manage money, buy homes, and support local projects. The bank’s products are designed for everyday financial needs and community growth.

Money Matters: What Gouverneur Bancorp Sells

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals and businesses (revenue split not disclosed).
  • Personal and Home Loans: Loans for buying homes, cars, and personal needs (revenue split not disclosed).
  • Commercial Lending: Loans for local businesses, including real estate and equipment (revenue split not disclosed).
  • Municipal Banking: Services for local governments, including deposit accounts and investment management (revenue split not disclosed).
  • Digital Banking Services: Online, mobile, and telephone banking for easy account access (revenue split not disclosed).

Branching Out: Growth and Expansion Moves

  • Acquired Citizens Bank of Cape Vincent in September 2022, expanding its local presence.
  • Completed a second-step conversion to a fully public company in October 2023, raising $7.2 million.
  • Launched stock repurchase programs in December 2024 and July 2025, each for up to 5% of shares.

Why Gouverneur Bancorp Stands Out (Without Shouting)

The bank focuses on serving local communities and municipal clients in upstate New York. It maintains a strong capital position, with capital ratios well above regulatory minimums. Its conservative lending and stable municipal deposits support steady operations.

Five Things You Need to Know

  • Revenue was $3 million in QQ1 2026, up 7.3% year-over-year.
  • Net income reached $307,000 in QQ1 2026, up 93.1% year-over-year.
  • Total deposits were $159.4 million at June 30, 2025.
  • Allowance for credit losses was $1.07 million at June 30, 2025.
  • Shareholders’ equity was $31.4 million at June 30, 2025.

Bottom Line

Gouverneur Bancorp has grown through local acquisitions and public offerings. Its focus on community banking and strong capital base supports steady, regionally focused operations.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

37

CEO

Stephen M. Jefferies

Website

www.gouverneurbank.com

Headquarters

Gouverneur, NY 13642, US

GOVB Financials

Key Financial Metrics (TTM)

Gross Margin

84.27%

Operating Margin

10.58%

Net Income Margin

9.57%

Return on Equity

2.98%

Return on Capital

2.03%

Return on Assets

0.48%

Earnings Yield

4.84%

Dividend Yield

0.93%

Payout Ratio

18.67%

Stock Overview

Market Cap

$20.59MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.06M

Volume

50

Avg. Volume

387.758

Financials (TTM)

Gross Profit

$8.44M

Operating Income

$1.06M

EBITDA

$1.51M

Operating Cash Flow

$1.75M

Capital Expenditure

-$271.00K

Free Cash Flow

$1.48M

Cash & ST Invst.

$43.06M

Total Debt

$1.02M

Gouverneur Bancorp Performance Analysis

Gouverneur Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-09-30USD 5,217,000-4.4%
20232023-09-30USD 9,005,00072.6%
20242024-09-30USD 9,598,0006.6%
20252025-09-30USD 9,706,0001.1%
Gouverneur Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-303.5%
Q42025-09-304.7%
Q12025-12-312.5%
Q22026-03-31-5.9%
Gouverneur Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-09-30USD 0.7543.1%
20232023-09-30USD 0.16-79.2%
20242024-09-30USD 0.51227.9%
20252025-09-30USD 0.7239.8%
Gouverneur Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-30100.0%
Q42025-09-309.1%
Q12025-12-3116.7%
Q22026-03-31-25.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$2.45M

+4.5%

Gross Profit

$2.07M

+5.8%

Gross Margin

84.45%

N/A

Market Cap

$20.59MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$556.61K

N/A

Employees

37

N/A

Net Income

$217.00K

+83.9%

EBITDA

$349.00K

+43.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$43.06M

-15.0%

Total Debt

$1.02M

+997.8%

Accounts Receivable

$652.00K

N/A

Inventory

$0.00

N/A

Long Term Debt

$1.01M

+1222.4%

Short Term Debt

$16.00K

-5.9%

Return on Assets

0.48%

N/A

Return on Invested Capital

0.53%

N/A

Free Cash Flow

$201.00K

+145.4%

Operating Cash Flow

$367.00K

+184.2%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
MSBBMercer Bancorp, Inc.
$20.00+0.00%
FIDSFNB, Inc.
$29.92+0.00%
HRBKHarbor Bankshares Corporation
$29.31+10.02%
FLEWFleetwood Bank Corporation
$72.00+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.42-0.04%
ONDSOndas
$7.80-0.02%
FFord Motor Company
$14.37+0.02%
AALAmerican Airlines Group
$14.48+0.07%

Questions About GOVB

What is the current price of Gouverneur Bancorp?

Gouverneur Bancorp is trading at $19.44 per share.

What is the 52-week range for Gouverneur Bancorp?

Over the past 52 weeks, Gouverneur Bancorp has traded between $13.60 and $20.00.

How much debt does Gouverneur Bancorp have?

As of the most recent reporting period, Gouverneur Bancorp reported total debt of $1.02M.

How much cash does Gouverneur Bancorp have on hand?

Gouverneur Bancorp does not have cash on hand data available.

What is Gouverneur Bancorp’s dividend yield?

Gouverneur Bancorp currently has a dividend yield of 0.93%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services