GOVB vs PNSB: stock comparison and AI forecast
Gouverneur Bancorp, Inc./Md/ (GOVB) and Psb Financial, Inc. (PNSB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
GOVB Gouverneur Bancorp, Inc./Md/
- Market Cap
- $22M
- P/E Ratio
- 29.1x
- Size
- small-cap
- AI Forecast
PNSB Psb Financial, Inc.
- Market Cap
- $19M
- P/E Ratio
- –
- 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 1.2 times larger than PNSB by market capitalization ($22M against $19M).
- GOVB carries 5.07 times debt per unit of equity, against 3.56 times for PNSB.
- GOVB yields 2.47% in dividends; PNSB pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | GOVB | PNSB |
|---|---|---|
| Market Cap | $22M | $19M |
| P/E Ratio | 29.08x | – |
| P/B Ratio | 0.69x | 0.64x |
| Dividend Yield | 2.47% | – |
| EPS | $0.73 | – |
| Book Value/Share | $30.93 | $17.01 |
| Revenue/Share | $8.01 | – |
| FCF/Share | $0.72 | – |
Profitability & Margins
| Metric | GOVB | PNSB |
|---|---|---|
| ROE | 3.0% | – |
| ROA | 0.5% | – |
| Net Margin | 11.6% | – |
| EBT Margin | 12.3% | – |
| Tax Rate | 6.1% | – |
Financial Health
| Metric | GOVB | PNSB |
|---|---|---|
| D/E Ratio | 5.07x | 3.56x |
| Financial Leverage | 6.07x | 4.56x |
Cash Flow
| Metric | GOVB | PNSB |
|---|---|---|
| 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 | GOVB | PNSB |
|---|---|---|
| Asset Turnover | 0.04x | – |
| Fixed Assets Turnover | 2.8x | – |
Income Statement
| Metric | GOVB | PNSB |
|---|---|---|
| Total Revenue | $8M | – |
| Net Income | $980K | – |
Dividend & Shareholder Information
| Metric | GOVB | PNSB |
|---|---|---|
| Dividends Per Share | $0.53 | – |
| Payout Ratio | 72.6% | – |
| Shares Outstanding | 1M | 2M |
| Net Income Growth | 55.5% | – |
| EPS Growth | 30.4% | – |
GOVB vs PNSB: stock comparison and AI forecast
Which is bigger, GOVB or PNSB?
GOVB is 1.2 times larger than PNSB by market capitalization ($22M against $19M).
Which one does Intratio's AI model rank higher, GOVB or PNSB?
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.