OTCPK:GOVB

Stock Analysis Report

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Executive Summary

Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides banking products and services to individuals and businesses in New York.


Snowflake Analysis

Unattractive dividend payer with weak fundamentals.


Similar Companies

Share Price & News

How has Gouverneur Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: GOVB's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-2.7%

GOVB

7.3%

US Mortgage

2.5%

US Market


1 Year Return

-29.4%

GOVB

-18.1%

US Mortgage

16.3%

US Market

Return vs Industry: GOVB underperformed the US Mortgage industry which returned -18.1% over the past year.

Return vs Market: GOVB underperformed the US Market which returned 16.3% over the past year.


Shareholder returns

GOVBIndustryMarket
7 Day-2.7%7.3%2.5%
30 Day-11.9%-0.7%5.6%
90 Day-20.1%29.2%16.4%
1 Year-27.5%-29.4%-15.8%-18.1%18.8%16.3%
3 Year-34.4%-39.0%-1.3%-8.4%45.1%35.7%
5 Year-27.5%-35.7%7.9%-4.0%75.8%56.8%

Price Volatility Vs. Market

How volatile is Gouverneur Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Gouverneur Bancorp undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: GOVB ($9) is trading above our estimate of fair value ($5.05)

Significantly Below Fair Value: GOVB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: GOVB is unprofitable, so we can't compare its PE Ratio to the US Mortgage industry average.

PE vs Market: GOVB is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate GOVB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate GOVB's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Gouverneur Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Gouverneur Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of GOVB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Gouverneur Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has Gouverneur Bancorp performed over the past 5 years?

-1,292.7%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: GOVB is currently unprofitable.

Growing Profit Margin: GOVB is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: Unable to establish if GOVB's year-on-year earnings growth rate was positive over the past 5 years as it has been trading publicly for less than 3 years.

Accelerating Growth: Unable to compare GOVB's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: GOVB is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (7.6%).


Return on Equity

High ROE: GOVB has a negative Return on Equity (0%), as it is currently unprofitable.


Next Steps

Financial Health

How is Gouverneur Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Gouverneur Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Gouverneur Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of GOVB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Gouverneur Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Gouverneur Bancorp current dividend yield, its reliability and sustainability?

3.78%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: GOVB's dividend (3.78%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: GOVB's dividend (3.78%) is low compared to the top 25% of dividend payers in the US market (4.36%).


Stability and Growth of Payments

Stable Dividend: GOVB's dividends per share have been stable in the past 10 years.

Growing Dividend: GOVB's dividend payments have not increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: GOVB is paying a dividend but the company is unprofitable.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

7.6yrs

Average management tenure


CEO

Chuck Van Vleet (62 yo)

10.5yrs

Tenure

Mr. Charles C. Van Vleet Jr., also known as Chuck, has been Chief Executive Officer and President of Gouverneur Bancorp Inc. and its subsidiary Gouverneur Savings and Loan Association (“Bank”) since Februa ...


Leadership Team

NamePositionTenureCompensationOwnership
Charles Van Vleet
President10.5yrsno datano data
Kimberly Adams
Vice President & CFO10.58yrsno datano data
Victor James
Vice President & COO7.58yrsno datano data
Sadie Hall
AVP & Compliance Officer4.58yrsno datano data
John Bartlett
Senior Vice President4.58yrsno datano data
Faye Waterman
Executive Vice Presidentno datano datano data

7.6yrs

Average Tenure

Experienced Management: GOVB's management team is seasoned and experienced (7.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Charles Van Vleet
President10.5yrsno datano data
Timothy Monroe
Independent Director21.25yrsUS$22.42kno data
Joseph Pistolesi
Independent Director21.25yrsUS$22.78kno data
Franklin Morrow
Independent Director3.17yrsUS$25.12kno data
Henry Leader
Secretary11.75yrsno datano data
Chad Soper
Vice Chairman1.58yrsno datano data
David McClure
Director3.58yrsno datano data

3.6yrs

Average Tenure

68yo

Average Age

Experienced Board: GOVB's board of directors are considered experienced (3.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Gouverneur Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Gouverneur Bancorp, Inc.
  • Ticker: GOVB
  • Exchange: OTCPK
  • Founded: 1892
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$18.282m
  • Shares outstanding: 2.03m
  • Website: https://www.gouverneurbank.com

Location

  • Gouverneur Bancorp, Inc.
  • 42 Church Street
  • PO Box 297
  • Gouverneur
  • New York
  • 13642
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GOVBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 1999

Biography

Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides banking products and services to individuals and businesses in New York. The company accep ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/09 00:22
End of Day Share Price2020/08/07 00:00
Earnings2020/06/30
Annual Earnings2019/09/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.