Business Description
Gouverneur Bancorp Inc
NAICS : 522120
SIC : 6035
ISIN : US3835842085
Description
Gouverneur Bancorp Inc principal activities are to accept deposits from the public and utilize those funds in loans, debt obligations which are issued by the United States government and its agencies and mortgage-backed securities. The group serves individuals and businesses in St. Lawrence, Jefferson, and Lewis Counties in New York State. The company operates through its subsidiary Gouverneur Savings and Loan Association. The bank offers commercial, non-mortgage loans to local businesses for working capital, machinery and equipment purchases, expansion and other business purposes.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.22 | |||||
| Equity-to-Asset | 0.16 | |||||
| Debt-to-Equity | 0.22 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -3.56 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 17.8 | |||||
| 3-Year EPS without NRI Growth Rate | -34.4 | |||||
| 3-Year FCF Growth Rate | 84.3 | |||||
| 3-Year Book Growth Rate | 20 |
Momentum Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 13.21 | |||||
| 9-Day RSI | 23.2 | |||||
| 14-Day RSI | 29.43 | |||||
| 6-1 Month Momentum % | 108.17 | |||||
| 12-1 Month Momentum % | 66.92 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.02 | |||||
| 3-Year Dividend Growth Rate | -30.7 | |||||
| 5-Year Yield-on-Cost % | 0.41 | |||||
| 3-Year Average Share Buyback Ratio | 9.9 | |||||
| Shareholder Yield % | -41.48 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 7.2 | |||||
| FCF Margin % | 13.13 | |||||
| ROE % | 1.56 | |||||
| ROA % | 0.21 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 36.3 | |||||
| PE Ratio without NRI | 36.3 | |||||
| Shiller PE Ratio | 15.08 | |||||
| Price-to-Owner-Earnings | 9.75 | |||||
| PEG Ratio | 2.67 | |||||
| PS Ratio | 2.54 | |||||
| PB Ratio | 0.34 | |||||
| Price-to-Tangible-Book | 0.42 | |||||
| EV-to-Revenue | 1.54 | |||||
| EV-to-FCF | 12.68 | |||||
| Price-to-Projected-FCF | 0.29 | |||||
| Price-to-DCF (Earnings Based) | 3.06 | |||||
| Price-to-Median-PS-Value | 0.42 | |||||
| Price-to-Peter-Lynch-Fair-Value | 4.52 | |||||
| Price-to-Graham-Number | 0.79 | |||||
| FCF Yield % | 7.31 | |||||
| Forward Rate of Return (Yacktman) % | 7.84 |
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