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Gouverneur Bancorp, Inc. (GOVB)
Gouverneur, NY, US
Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings and Loan Association, offering a full spectrum of banking products and financial services to both individual and commercial clients throughout New York State. The institution provides a diverse range of deposit accounts, including checking, passbook savings, NOW, and money market accounts, alongside certificates of deposit. Its extensive lending portfolio caters to various needs, encompassing personal loans (such as those for home improvement, automobiles, motorcycles, campers, boats, recreational vehicles, and passbook-secured loans), a variety of mortgage options (including construction loans and home equity lines of credit), as well as commercial loans for real estate, installments, short-term working capital, and equipment, along with commercial lines of credit and letters of credit. Beyond traditional banking, Gouverneur Bancorp strategically invests in general obligation municipal bonds, debt instruments issued by the U.S. government and its agencies, and mortgage-backed securities guaranteed by government-sponsored enterprises. Customers also benefit from a wide array of modern conveniences. These include digital banking platforms like online, mobile, bill pay, and telephone banking. Additional services cover ATM and debit card access, direct deposits, mobile remote deposit capture, automated payments and transfers, bank checks, wire transfers, and safe deposit box rentals. Clients can choose between electronic or paper statements. The company primarily serves St. Lawrence, Jefferson, and Lewis counties within New York State, operating through two full-service branch locations. Gouverneur Bancorp, Inc. was established in 1892 and is headquartered in Gouverneur, New York.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +1.80% | +6.94% | +9.07% | +18.46% | +10.00% | +47.62% | +25.24% | +235.95% | +42.38% | +16,463.41% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth+4.0% Q1'26: +4.5% (vs Q1'25)
-
EPS growth+41.2% Q1'26: +90.9% (vs Q1'25)
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FCF margin— Q1'26: +8.2% (vs Q1'25)
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EBIT margin— Q1'26: +9.0% (vs Q1'25)
-
ROIC— Q1'26: -9.3% (vs Q1'25)
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Share dilution-2.8% Q1'26: -3.7% (vs Q1'25)
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Debt / EBITDA— Q1'26: 1.15× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-22 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-19 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-15 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 2/5 | 4/5 | 3/5 | 2/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Oppenheimer-Spence Financial Services Partnership, LP Oppvest, LLC C | 60.8K | 13.00% | 60.8K | — | 60.8K | — | IA, PN, IN, OO | — | 2024-01-24 | ↗ |
| 2 | Plan | 57.8K | 5.20% | 54.0K | 3.9K | 57.8K | — | EP | State of New York | 2024-02-08 | ↗ |
| 3 | Exploration Capital, LLC | 56.6K | 5.10% | — | 56.6K | — | 56.6K | OO | Delaware | 2024-01-02 | ↗ |
| 4 | Stephen L. Gustin | 56.6K | 5.10% | — | 56.6K | — | 56.6K | IN | Delaware | 2024-01-02 | ↗ |
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | Pelkey Duane Milton | Director | P-Purchase | A | Common Stock | 100 | 18.94 | 1.9K | 6,100 | I | ↗ |
| 2026-05-01 | Pelkey Duane Milton | Director | P-Purchase | A | Common Stock | 750 | 19.00 | 14.3K | 750 | D | ↗ |
| 2026-04-24 | McClure David Claren | Director | M-Exempt | A | Common Stock | 542 | 12.20 | 6.6K | 5,355 | D | ↗ |
| 2026-03-09 | Rapholz Amy Marie | Director | M-Exempt | D | Stock Option (right to buy) | 200 | 12.20 | 2.4K | 2,512 | D | ↗ |
| 2026-03-02 | Pelkey Duane Milton | Director | A-Award | A | Stock Option (right to buy) | 2,708 | 17.65 | 47.8K | 2,708 | D | ↗ |
| 2026-03-02 | Jefferies Stephen Michael | Director / Officer | A-Award | A | Stock Option (right to buy) | 10,000 | 17.65 | 176.5K | 10,000 | D | ↗ |
| 2026-02-24 | Mason John Neil | Director | M-Exempt | D | Stock Option (right to buy) | 542 | 12.20 | 6.6K | 2,170 | D | ↗ |
| 2026-02-17 | Soper Chad Brian | Director | M-Exempt | A | Common Stock | 542 | 12.20 | 6.6K | 4,443 | D | ↗ |
| 2026-02-11 | Pelkey Duane Milton | Director | P-Purchase | A | Common Stock | 1,000 | 17.35 | 17.3K | 6,000 | I | ↗ |
| 2025-11-04 | Pelkey Duane Milton | Director | P-Purchase | A | Common Stock | 100 | 14.55 | 1.5K | 5,000 | I | ↗ |
| 2025-10-01 | Hall Sadie May | Officer | A-Award | A | Stock Option (right to buy) | 10,000 | 14.25 | 142.5K | 10,000 | D | ↗ |
| 2025-10-01 | Campanaro James Donald | Officer | A-Award | A | Stock Option (right to buy) | 10,000 | 14.25 | 142.5K | 10,000 | D | ↗ |
| 2025-09-12 | Campanaro James Donald | Officer | P-Purchase | A | Common Stock | 200 | 14.90 | 3.0K | 400 | I | ↗ |
| 2025-09-03 | Campanaro James Donald | Officer | P-Purchase | A | Common Stock | 200 | 15.06 | 3.0K | 200 | I | ↗ |
| 2025-09-02 | Jefferies Stephen Michael | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2025-08-27 | Pelkey Duane Milton | Director | P-Purchase | A | Common Stock | 100 | 14.75 | 1.5K | 4,000 | I | ↗ |
| 2025-08-18 | Pelkey Duane Milton | Director | — | — | Common Stock | 0 | 0.00 | — | 3,100 | I | ↗ |
| 2025-04-23 | Exploration Capital, LLC | 10% Owner | — | — | Common Stock | 0 | 0.00 | — | 110,500 | D | ↗ |
| 2025-02-11 | Soper Chad Brian | Director | A-Award | A | Common Stock | 1,240 | 0.00 | — | 1,240 | I | ↗ |
| 2025-02-11 | Rapholz Amy Marie | Director | A-Award | A | Stock Option (right to buy) | 2,712 | 12.20 | 33.1K | 2,712 | D | ↗ |
| 2025-02-11 | McClure David Claren | Director | A-Award | A | Stock Option (right to buy) | 2,712 | 12.20 | 33.1K | 2,712 | D | ↗ |
| 2025-02-11 | Mason John Neil | Director | A-Award | A | Common Stock | 1,239 | 0.00 | — | 1,239 | I | ↗ |
| 2025-02-11 | MONROE TIMOTHY J | Director | A-Award | A | Common Stock | 1,240 | 0.00 | — | 1,240 | I | ↗ |
| 2025-02-11 | Leader Henry J | Director | A-Award | A | Common Stock | 1,240 | 0.00 | — | 1,240 | I | ↗ |
| 2025-02-11 | Cummings Clara Pistolesi | Director | A-Award | A | Stock Option (right to buy) | 2,712 | 12.20 | 33.1K | 2,712 | D | ↗ |
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | Robert W. Barlow Former President and Chief Executive Officer | 165.2K | — | — | — | — | 61.6K | 226.8K | 0.00% | ↗ |
| 2 | 2025 | Charles C. Van Vleet, Jr. Former Interim President and Chief Executive Officer | 134.8K | 10.0K | — | — | — | 61.6K | 206.3K | 0.00% | ↗ |
| 3 | 2025 | James D. Campanaro Vice President and Chief Financial Officer | 114.4K | — | — | — | — | 14.3K | 128.7K | 0.00% | ↗ |
| 4 | 2025 | Sadie M. Hall Vice President and Chief Operating Officer / Compliance Officer | 92.2K | — | — | — | — | 11.4K | 103.7K | 0.00% | ↗ |
| 5 | 2025 | Stephen M. Jefferies President and Chief Executive Officer | 16.7K | — | — | — | — | 10.0K | 26.7K | 0.00% | ↗ |
| 6 | 2024 | Charles C. Van Vleet, Jr. Former President and Chief Executive Officer | 206.3K | — | — | — | — | 18.8K | 225.1K | 0.00% | ↗ |
| 7 | 2024 | Charles C. Van Vleet, Jr. Former Interim President and Chief Executive Officer | 206.3K | — | — | — | — | 18.8K | 225.1K | 0.00% | ↗ |
| 8 | 2024 | Kimberly A. Adams Former Vice President and Chief Financial Officer | 98.1K | 15.0K | — | — | — | 102.6K | 215.7K | 0.00% | ↗ |
| 9 | 2024 | Taylor Robbins Former Executive Vice President | 124.6K | — | — | — | — | 61.8K | 186.4K | 0.00% | ↗ |
| 10 | 2024 | Robert W. Barlow President and Chief Executive Officer | 122.5K | — | — | — | — | — | 122.5K | 0.00% | ↗ |
| 11 | 2024 | Robert W. Barlow Former President and Chief Executive Officer | 122.5K | — | — | — | — | — | 122.5K | 0.00% | ↗ |
| 12 | 2023 | Kimberly A. Adams Vice President and Chief Financial Officer | 137.0K | — | — | — | — | 10.7K | 147.7K | 0.00% | ↗ |
| 13 | 2023 | Kimberly A. Adams Former Vice President and Chief Financial Officer | 137.0K | — | — | — | — | 10.7K | 147.7K | 0.00% | ↗ |
| 14 | 2023 | Taylor Robbins Executive Vice President | 134.0K | — | — | — | — | 13.5K | 147.5K | 0.00% | ↗ |
| 15 | 2023 | Taylor Robbins Former Executive Vice President | 134.0K | — | — | — | — | 13.5K | 147.5K | 0.00% | ↗ |
| 16 | 2023 | Faye C. Waterman Former President and Chief Executive Officer | 91.4K | — | — | — | — | 10.7K | 102.1K | 0.00% | ↗ |
| 17 | 2023 | Charles C. Van Vleet, Jr. Former President and Chief Executive Officer | 92.9K | — | — | — | — | 2.2K | 95.1K | 0.00% | ↗ |
| 18 | 2023 | Charles C. Van Vleet President and Chief Executive Officer | 92.9K | — | — | — | — | 2.2K | 95.1K | 0.00% | ↗ |
| 19 | 2022 | Faye C. Waterman Former President and Chief Executive Officer | 158.5K | — | — | — | — | 12.4K | 170.8K | 0.00% | ↗ |
| 20 | 2022 | Kimberly A. Adams Vice President and Chief Financial Officer | 129.1K | — | — | — | — | 10.2K | 139.3K | 0.00% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Stephen Jefferies | Chief Executive Officer, President & Director | 225.0K | male |
| James Campanaro | Vice President & Chief Financial Officer | 128.7K | male |
| Sadie Hall | Vice President, Compliance Officer & Chief Operating Officer | 103.7K | female |
| Henry J. Leader | Corporate Secretary & Independent Director | 30.0K | male |
| Colleen Nichols-Canell | Vice President of Human Resources | — | — |
| John L. Bartlett | Senior Vice President | — | male |
| Cortney Sharpe | Treasurer | — | female |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for GOVB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
