Gouverneur Bancorp, Inc. (GOVB)
Financials · OQB · US
Price as at 1 Oct 2026, 23:11 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Gouverneur Bancorp, Inc. trades at $22.67, which is 43% below the $32.34 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 17 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 23.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
GOVB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.090 | 1 |
| 2025 | $0.170 | 2 |
| 2024 | $0.080 | 1 |
| 2023 | $0.187 | 1 |
| 2022 | $0.300 | 2 |
| 2021 | $0.450 | 2 |
| 2020 | $0.544 | 2 |
| 2019 | $0.637 | 2 |
| 2018 | $0.637 | 2 |
| 2017 | $0.637 | 2 |
| 2016 | $0.637 | 2 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
About Gouverneur Bancorp, Inc.
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. It accepts savings deposit, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company's loan products include mortgage loans, one- to four-family residential loans, commercial real estate loans, and multifamily residential real estate loans, residential and commercial construction loans, commercial land loans, home equity loans, lines of credit, commercial loans, automobiles, motorcycles, campers, boats, and other recreational vehicles, as well as personal secured and unsecured loans. It also invests in municipal bonds, U.S. Government securities, U.S. Government agencies, municipal securities, and mortgage-backed securities. Gouverneur Bancorp, Inc. serves primarily St. Lawrence County, and Jefferson and Lewis counties in New York State. The company was founded in 1892 and is headquartered in Gouverneur, New York.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
GOVB passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
GOVB peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Gouverneur Bancorp, Inc. (GOVB) undervalued?
Against our fair value estimate of $32.34, GOVB at $22.67 is 43% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is GOVB's P/E ratio?
GOVB trades at 23.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Gouverneur Bancorp, Inc. (GOVB) pay a dividend?
Yes. Gouverneur Bancorp, Inc. yields 0.79% at the current share price. It has paid $0.180 per share over the trailing twelve months. It has paid a dividend in each of the last 26 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its GOVB data?
Fundamentals for GOVB come from company filings and exchange data, as listed on OQB; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 23:11 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for GOVB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.