CSBA vs GOVB: stock comparison and AI forecast
Csb Financial Inc. (CSBA) and Gouverneur Bancorp, Inc./Md/ (GOVB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CSBA Csb Financial Inc.
- Market Cap
- $20M
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
GOVB Gouverneur Bancorp, Inc./Md/
- Price
- $21.25 +11.8% · 6M
- Market Cap
- $22M
- P/E Ratio
- 29.1x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- GOVB is 1.1 times larger than CSBA by market capitalization ($22M against $20M).
- CSBA carries 6.46 times debt per unit of equity, against 5.07 times for GOVB.
- GOVB yields 2.47% in dividends; CSBA pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CSBA | GOVB |
|---|---|---|
| Market Cap | $20M | $22M |
| P/E Ratio | – | 29.08x |
| P/B Ratio | 1.23x | 0.69x |
| Dividend Yield | – | 2.47% |
| EPS | – | $0.73 |
| Book Value/Share | $11.43 | $30.93 |
| Revenue/Share | – | $8.01 |
| FCF/Share | – | $0.72 |
Profitability & Margins
| Metric | CSBA | GOVB |
|---|---|---|
| ROE | – | 3.0% |
| ROA | – | 0.5% |
| Net Margin | – | 11.6% |
| EBT Margin | – | 12.3% |
| Tax Rate | – | 6.1% |
Financial Health
| Metric | CSBA | GOVB |
|---|---|---|
| D/E Ratio | 6.46x | 5.07x |
| Financial Leverage | 7.46x | 6.07x |
Cash Flow
| Metric | CSBA | GOVB |
|---|---|---|
| Operating Cash Flow | – | $1M |
| Free Cash Flow | – | $760K |
| Capital Spending | – | -$400K |
| OCF Growth YoY | – | 23.3% |
| FCF Growth YoY | – | -8.7% |
| FCF/Sales | – | 9.0% |
| CapEx/Sales | – | 4.7% |
Operational Efficiency
| Metric | CSBA | GOVB |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | – | 2.8x |
Income Statement
| Metric | CSBA | GOVB |
|---|---|---|
| Total Revenue | – | $8M |
| Net Income | – | $980K |
Dividend & Shareholder Information
| Metric | CSBA | GOVB |
|---|---|---|
| Dividends Per Share | – | $0.53 |
| Payout Ratio | – | 72.6% |
| Shares Outstanding | 1M | 1M |
| Net Income Growth | – | 55.5% |
| EPS Growth | – | 30.4% |
CSBA vs GOVB: stock comparison and AI forecast
Which is bigger, CSBA or GOVB?
GOVB is 1.1 times larger than CSBA by market capitalization ($22M against $20M).
Which one does Intratio's AI model rank higher, CSBA or GOVB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.