Gouverneur Bancorp, Inc.
Gouverneur Bancorp, Inc.
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Overview
What the company does, where it operates, and who runs it.
About Gouverneur Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Stephen Jefferies
- Headquarters
- 20 John Street, Gouverneur, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Stephen Jefferies
- Headquarters
- 20 John Street, Gouverneur, NY, US
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. The company accepts passbook savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit.
Its loan products include personal, home improvement, automobile and motorcycle, camper and boat, recreational vehicles, passbook, and mortgage loans; and construction, commercial real estate, commercial installment, short-term working capital, and equipment loans, as well as home equity line of credit, and commercial lines of credit and letters of credit.
The company also invests in general obligation municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by government-sponsored enterprises.
In addition, it offers online, mobile, bill pay, and telephone banking; electronic or paper statements; and ATM, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers, and safe deposit box services.
The company serves primarily the St. Lawrence County, and Jefferson and Lewis counties in New York State through two full-service branch offices. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Gouverneur Bancorp, Inc., and the rating behind it. GOVB last traded at $17.64, 23.2× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Gouverneur Bancorp, Inc.. Starting points for Gouverneur Bancorp, Inc.: P/E 23.2, EPS $0.95, beta -0.00 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Gouverneur Bancorp, Inc.. Gouverneur Bancorp, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Gouverneur Bancorp, Inc.. Trailing twelve-month EPS for Gouverneur Bancorp, Inc. stands at $0.95. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Gouverneur Bancorp, Inc.. Gouverneur Bancorp, Inc. has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Gouverneur Bancorp, Inc. valued side by side against its closest peers. Gouverneur Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Gouverneur Bancorp, Inc., and how their positions are changing. At a $18.8M market value, institutional positions materially move Gouverneur Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Gouverneur Bancorp, Inc. executives and directors. Shares of Gouverneur Bancorp, Inc. have traded between $12.00 and $17.70 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Gouverneur Bancorp, Inc.. Gouverneur Bancorp, Inc. is a $18.8M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Gouverneur Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Gouverneur Bancorp, Inc.. Coverage tracks Gouverneur Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.