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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Gouverneur Bancorp?
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.
GOVB · Verdict
Moderate reward · elevated risk
GOVB's standout is volatility; balance sheet and profitability weigh on the picture.
Based on 88% data coverage
GOVB · Verdict
What’s working & what to watch
Strengths 1
- Volatility95/100
Top decile vs peers
Watchouts 4
- Balance sheet13/100
Weak vs peers
- Profitability37/100
9% net margin · 2% ROE
- Cash flow40/100
8% free-cash-flow margin
- Growth41/100
Rev +4.8% CAGR · earnings -21.7%
Model-based scoring. For information only — not financial advice.
What is Gouverneur Bancorp?
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 is listed on the OTCQB in USA, operating in the Financial Services sector, with a market capitalisation of 15.23M, and a P/E ratio of 20.1x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (44)The scoring profile indicates limited reward potential at this time, with valuation and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.
For informational purposes only. Not financial advice.