Gouverneur Bancorp Inc./MD (GOVB) Stock Price, News & Analysis

Company Overview

Gouverneur Bancorp, Inc. is a Maryland-based savings and loan holding company for Gouverneur Savings and Loan Association, a community banking institution headquartered in Gouverneur, New York. The association serves individuals, families, businesses and organizations in northern New York.

Gouverneur Savings and Loan Association provides traditional banking products and services, including checking and savings accounts, certificates of deposit, residential mortgage loans, home equity financing, consumer loans and commercial lending. The institution also offers related deposit and electronic banking services through its local banking offices.

Gouverneur Savings and Loan Association has a long history of serving communities in the St. Lawrence County region, with roots dating to the late 19th century. Gouverneur Bancorp’s operations are focused primarily on supporting the association’s community-oriented banking business.

Key Stats

• Today's Range: $21.97 to $22.45
• 50-Day Range: $19.60 to $23.37
• 52-Week Range: $14.00 to $23.37
• Volume: 800 shs
• Average Volume: 869 shs
• Market Capitalization: $23.29 million
• P/E Ratio: 22.88
• Dividend Yield: 0.82%
• Price Target: N/A
• Consensus Rating: N/A

Gouverneur Bancorp Inc./MD Stock Analysis - MarketRank™

Gouverneur Bancorp Inc./MD scored higher than 30% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Gouverneur Bancorp Inc./MD.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Gouverneur Bancorp Inc./MD is 22.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of Gouverneur Bancorp Inc./MD is 22.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.71.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.02% of the float of Gouverneur Bancorp Inc./MD has been sold short.

Short Interest Ratio / Days to Cover

Gouverneur Bancorp Inc./MD has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Gouverneur Bancorp Inc./MD has recently increased by 258.93%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Gouverneur Bancorp Inc./MD has a dividend yield of 0.81%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Gouverneur Bancorp Inc./MD does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Gouverneur Bancorp Inc./MD is 18.75%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Gouverneur Bancorp Inc./MD has a news sentiment score of 0.75. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.55 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Gouverneur Bancorp Inc./MD this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Gouverneur Bancorp Inc./MD insiders have not sold or bought any company stock.

Percentage Held by Insiders

5.40% of the stock of Gouverneur Bancorp Inc./MD is held by insiders.

Percentage Held by Institutions

21.64% of the stock of Gouverneur Bancorp Inc./MD is held by institutions.

Company Calendar

• Last Earnings: 7/29/2026
• Today: 10/09/2026
• Fiscal Year End: 9/30/2027

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:GOVB
• CIK: 1063942
• Web: www.gouverneurbank.com
• Phone: (315) 287-2600
• Fax: 315-287-3340
• Employees: 46
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.96
• Trailing P/E Ratio: 22.88
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $730 thousand
• Net Margins: 9.73%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $9.72 million
• Price / Sales: 2.39
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,059,000
• Free Float: 1,002,000
• Market Cap: $23.26 million
• Optionable: Not Optionable
• Beta: 0.59