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Model output · Signal date 2026-11-06
Gouverneur Bancorp, Inc./Md/ (GOVB) Stock Forecast Nov. 6, 2026
Analysis updated on Nov. 6, 2026 (UTC) · Alpha · vs marketSwitch to Total · OTC
Rating · 90D
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90-day forecast
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30-day forecast
Alpha
Rank in coverage
of 5150 stocks scored
Rank correlation · 90D
-16.0%
Spearman, 279 dates
Market Cap
$22M
small-cap · #27 of 30 peers
Summary
Gouverneur Bancorp, Inc./Md/ (GOVB) stock forecast summary
Our AI scores Gouverneur Bancorp, Inc./Md/ every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
Gouverneur Bancorp, Inc./Md/ is a small-cap company with a market capitalization of $22M. It ranks number 27 by market capitalization among the 30 Savings Institutions, Not Federally Chartered issuers in our coverage with a current forecast.
For GOVB, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -16.0%, measured on 279 forecast dates between 2024-02-16 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -7.0%, measured on 322 forecast dates between 2024-02-16 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +3.1%, buy ≥ +1.5%, sell < -0.5%, strong sell < -1.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-11-06 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, GOVB included.
Price
GOVB price chart and AI forecast
Cross-section · 2026-11-06
How GOVB ranks among 5150 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Fundamentals · 2026-06-30
Gouverneur Bancorp, Inc./Md/ (GOVB) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Savings Institutions, Not Federally Chartered peers listed below that report each metric.
Valuation & Market
| Metric | GOVB | Rank |
|---|---|---|
| Market Cap | $22M | 27/30 |
| P/E Ratio | 29.08x | 8/25 |
| P/B Ratio | 0.69x | 27/30 |
| Dividend Yield | 2.47% | 4/13 |
| EPS | $0.73 | – |
| Book Value/Share | $30.93 | – |
| Revenue/Share | $8.01 | – |
| FCF/Share | $0.72 | – |
Profitability & Margins
| Metric | GOVB | Rank |
|---|---|---|
| ROE | 3.0% | 19/25 |
| ROA | 0.5% | 16/23 |
| Net Margin | 11.6% | 21/25 |
| EBT Margin | 12.3% | 23/27 |
| Tax Rate | 6.1% | – |
Financial Health
| Metric | GOVB | Rank |
|---|---|---|
| D/E Ratio | 5.07x | 26/33 |
| Financial Leverage | 6.07x | 24/31 |
Cash Flow
| Metric | GOVB | Rank |
|---|---|---|
| Operating Cash Flow | $1M | 25/27 |
| Free Cash Flow | $760K | 17/19 |
| Capital Spending | -$400K | 4/18 |
| OCF Growth YoY | 23.3% | 14/19 |
| FCF Growth YoY | -8.7% | 14/14 |
| FCF/Sales | 9.0% | 17/19 |
| CapEx/Sales | 4.7% | 6/18 |
Operational Efficiency
| Metric | GOVB | Rank |
|---|---|---|
| Asset Turnover | 0.04x | 4/24 |
| Fixed Assets Turnover | 2.8x | 20/25 |
Income Statement
| Metric | GOVB | Rank |
|---|---|---|
| Total Revenue | $8M | 25/26 |
| Net Income | $980K | 22/25 |
Dividend & Shareholder Information
| Metric | GOVB | Rank |
|---|---|---|
| Dividends Per Share | $0.53 | – |
| Payout Ratio | 72.6% | 2/11 |
| Shares Outstanding | 1M | – |
| Net Income Growth | 55.5% | 5/19 |
| EPS Growth | 30.4% | 8/16 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $6M | 3.2% of assets |
| Total Liabilities | $166M | 83.6% of assets |
Quarterly Financial Reports
GOVB quarterly financials and insider trading
Industry Peers · Savings Institutions, Not Federally Chartered
Gouverneur Bancorp, Inc./Md/ (GOVB) industry peers
Companies classified under the same SEC industry code as Gouverneur Bancorp, Inc./Md/ (Savings Institutions, Not Federally Chartered): 33 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| GOVB Gouverneur Bancorp, Inc./Md/ | $22M | |
| FLG Flagstar Bank, National Association | $4.37B | |
| BBT Beacon Financial Corp | $2.56B | |
| HFWA Heritage Financial Corp /Wa/ | $1.16B | |
| NBBK Nb Bancorp, Inc. | $968M | |
| SMBC Southern Missouri Bancorp, Inc. | $778M | |
| TCBX Third Coast Bancshares, Inc. | $644M | |
| GCBC Greene County Bancorp Inc | $615M | |
| HBCP Home Bancorp, Inc. | $480M | |
| PBFS Pioneer Bancorp, Inc./Md | $453M | |
| AVBC Avidia Bancorp, Inc. | $452M | |
| NECB Northeast Community Bancorp, Inc./Md/ | $399M | |
| TSBK Timberland Bancorp Inc | $371M | |
| FBLA Fb Bancorp, Inc. /Md/ | $269M | |
| RBKB Rhinebeck Bancorp, Inc. | $203M | |
| ECBK Ecb Bancorp, Inc. /Md/ | $188M | |
| HYNE Hoyne Bancorp, Inc. | $151M | |
| SRBK Sr Bancorp, Inc. | $148M | |
| WSBK Winchester Bancorp, Inc./Md/ | $127M | |
| BSBK Bogota Financial Corp. | $120M | |
| CULL Cullman Bancorp, Inc. /Md/ | $97M | |
| FNWB First Northwest Bancorp | $96M | |
| FMFG Farmers & Merchants Bancshares, Inc. | $62M | |
| TCBS Texas Community Bancshares, Inc. | $49M | |
| MBBC Marathon Bancorp, Inc. /Md/ | $43M | |
| URSB Ursb Bancorp, Inc. | $32M | |
| PFSB Pfs Bancorp, Inc. | $31M | |
| MSBB Mercer Bancorp, Inc. | $20M | |
| CSBA Csb Financial Inc. | $20M | |
| PNSB Psb Financial, Inc. | $19M | |
| FBSI First Bancshares Inc /Mo/ | N/A | |
| NARA Narragansett Bancorp, Inc. | N/A | |
| VWFB Vwf Bancorp, Inc. | N/A |
Where GOVB sits on the market map
Finance · Savings Institutions, Not Federally Chartered
News
Gouverneur Bancorp, Inc./Md/ (GOVB) stock news
Valorisation Gouverneur Bancorp, Inc.
Retrouvez les estimations des analystes concernant la valorisation de Gouverneur Bancorp, Inc.. Valeur d'entreprise, PER, PEG, FCF et bien d'autres Ratios. Toute la bourse est sur Zonebourse.
FAQ
Gouverneur Bancorp, Inc./Md/ (GOVB) stock forecast FAQ
What is the Gouverneur Bancorp, Inc./Md/ (GOVB) stock forecast?
Our AI scores Gouverneur Bancorp, Inc./Md/ every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
How accurate are Gouverneur Bancorp, Inc./Md/ stock predictions?
For GOVB, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -16.0%, measured on 279 forecast dates between 2024-02-16 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -7.0%, measured on 322 forecast dates between 2024-02-16 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Gouverneur Bancorp, Inc./Md/ forecasts updated?
Gouverneur Bancorp, Inc./Md/ forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Nov. 6, 2026.
Which companies are Gouverneur Bancorp, Inc./Md/'s industry peers?
33 issuers in our coverage, GOVB included, share the SEC industry code Savings Institutions, Not Federally Chartered. The largest are: Flagstar Bank, National Association (FLG), Beacon Financial Corp (BBT), Heritage Financial Corp /Wa/ (HFWA), Nb Bancorp, Inc. (NBBK), Southern Missouri Bancorp, Inc. (SMBC), Third Coast Bancshares, Inc. (TCBX).
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.