What is the fair value of Gouverneur Bancorp (OTC-GOVB) stock?

The current fair value estimate for Gouverneur Bancorp (OTC-GOVB) is $16.28. This implies an estimated downside of 30.1% versus the current market price.

Is Gouverneur Bancorp (OTC-GOVB) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 30.1% versus the current market price.

How is the financial health of Gouverneur Bancorp?

The current financial health read for Gouverneur Bancorp (OTC-GOVB) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Gouverneur Bancorp's next earnings date?

The next earnings date currently listed for Gouverneur Bancorp (OTC-GOVB) is November 27, 2026.

Does Gouverneur Bancorp (OTC-GOVB) pay dividends?

Based on the current data, dividend yield is 0.8%.

What is the P/E ratio for Gouverneur Bancorp (OTC-GOVB)?

The current P/E ratio listed for Gouverneur Bancorp (OTC-GOVB) is 25.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Gouverneur Bancorp?

The current market capitalization listed for Gouverneur Bancorp is 24.668 M.

What is the ticker symbol for Gouverneur Bancorp?

The ticker symbol for Gouverneur Bancorp is OTC-GOVB, and the stock is listed on OTC Markets.

Where is Gouverneur Bancorp (OTC-GOVB) listed?

Gouverneur Bancorp (OTC-GOVB) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Gouverneur Bancorp?

The current debt-to-total-capital ratio listed for Gouverneur Bancorp is 14.0%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for Gouverneur Bancorp?

The free float listed for Gouverneur Bancorp is 65.9%. Free float helps investors understand how much of the share base is available for public trading.

Gouverneur Bancorp (GOVB) Fair Value & Stock Analysis

Gouverneur Bancorp (GOVB)

Gouverneur Bancorp, Inc. is the holding company for Gouverneur Savings and Loan Association, a New York-based banking organization serving individuals and businesses. Through its banking subsidiary, the company accepts a range of deposit products, including savings, NOW, money market, checking, and certificates of deposit. Its lending activities cover residential and commercial real estate, construction and land loans, home equity lending, commercial loans, and consumer loans for items such as automobiles, motorcycles, campers, boats, and other recreational vehicles. The company also maintains an investment portfolio that includes municipal bonds, U.S. Government securities, U.S. Government agency securities, municipal securities, and mortgage-backed securities. Gouverneur Bancorp focuses primarily on St. Lawrence County, as well as Jefferson and Lewis counties in New York State. Founded in 1892, the company is headquartered in Gouverneur, New York, and its common stock trades on OTC Markets under the symbol GOVB.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio	Free Cash Flow / Net Income
OTC-GOVB	$16.28	-30.1% Downside	Overvalued	Not available	Not available	Fair	0.8%	November 27, 2026	25.2x	0.8x	2.9x	24.668 M	14.0%	65.9%	-1.2	19.6%	77.9%