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Gouverneur Bancorp, Inc. GOVB OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Gouverneur Bancorp, Inc. (GOVB) is a Banks - Regional company in the Financial Services sector, currently trading at $18.00. It has a SharesGrow Score of 58/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $10M, +11.2%/yr average growth. Net income is $733,000, growing at +8.9%/yr. Net profit margin is 7.5% (thin). Gross margin is 83.8% (-16.2 pp trend).

Balance sheet: total debt is $7M against $32M equity (Debt-to-Equity (D/E) ratio 0.22, conservative). Current ratio is 0.29 (tight liquidity). Debt-to-assets is 3.5%. Total assets: $199M.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 45/100 (Partial).

GOVB SharesGrow Score Overview

60/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — GOVB

GOVB trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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GOVB: +11.2%/yr revenue is, +8.9%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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GOVB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet GOVB: Debt-to-Equity (D/E) ratio 0.22 (conservative), Current ratio is 0.29 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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GOVB: Gross margin is 83.8% (-16.2 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

GOVB: Net profit margin is 7.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range12-17.75

Volume600

Avg Volume (30D)1.05K

Market Cap$19.13M

Beta (1Y)0.00

Dividend Yield$0.1700

Share Statistics

EPS (TTM)0.72

Shares Outstanding$1.02M

IPO Date1999-03-23

Employees40

CEOStephen Jefferies

Financial Highlights & Ratios

Revenue (TTM)$9.72M

Gross Profit$8.14M

EBITDA$1.36M

Net Income$733K

Operating Income$793K

Total Cash$45.59M

Total Debt$7.04M

Net Debt$2.34M

Total Assets$198.53M

Price / Earnings (P/E)25

Price / Sales (P/S)1.97

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS38358M1099

Price Chart

GOVB

Gouverneur Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

12.00 52WK RANGE 17.75

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