GOVB (Gouverneur Bancorp) E10: $0.67 (As of Mar. 2026)


GOVB Gouverneur Bancorp Inc GOVB
71 GF Score
Price $19.65
GF Value $16.20
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Gouverneur Bancorp E10?

Gouverneur Bancorp GOVB +0.51% 71 E10 is $0.67 as of Mar. 2026. GuruFocus rates GOVB with a GF Score™ of 71/100 and a GF Value™ of $16.20 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Gouverneur Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.210. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.67 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Gouverneur Bancorp's average E10 Growth Rate was 13.60% per year. During the past 3 years, the average E10 Growth Rate was -2.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Gouverneur Bancorp was -2.00% per year. The lowest was -2.00% per year. And the median was -2.00% per year.

As of today (2026-07-02), Gouverneur Bancorp's current stock price is $19.65. Gouverneur Bancorp's E10 for the quarter that ended in Mar. 2026 was $0.67. Gouverneur Bancorp's Shiller PE Ratio of today is 29.33.

During the past 13 years, the highest Shiller PE Ratio of Gouverneur Bancorp was 29.48. The lowest was 8.13. And the median was 16.80.


Gouverneur Bancorp  (OTCPK:GOVB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Gouverneur Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=19.65/0.67
=29.33

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Gouverneur Bancorp was 29.48. The lowest was 8.13. And the median was 16.80.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Gouverneur Bancorp E10 Related Terms


Gouverneur Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Gouverneur Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Gouverneur Bancorp E10 Chart

Gouverneur Bancorp Annual Data
Trend Sep05 Sep06 Sep07 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.67 0.64 0.64 0.63

Gouverneur Bancorp Quarterly Data
Jun20 Sep20 Jun21 Sep21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.59 0.62 0.63 0.65 0.67

GOVB vs CIBN, MKIN, TDCB: E10 Comparison

For the Banks - Regional subindustry, Gouverneur Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Gouverneur Bancorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Gouverneur Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Gouverneur Bancorp's Shiller PE Ratio falls into.


GOVB
71GF Score
Gouverneur Bancorp Inc GOVB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gouverneur Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Gouverneur Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.21/330.2130*330.2130
=0.210

Current CPI (Mar. 2026) = 330.2130.

Gouverneur Bancorp Quarterly Data

per share eps CPI Adj_EPS
200312 0.090 184.300 0.161
200403 0.100 187.400 0.176
200406 0.110 189.700 0.191
200409 0.080 189.900 0.139
200412 0.100 190.300 0.174
200503 0.120 193.300 0.205
200506 0.110 194.500 0.187
200509 0.130 198.800 0.216
200512 0.130 196.800 0.218
200603 0.170 199.800 0.281
200606 0.090 202.900 0.146
200609 0.180 202.900 0.293
200612 0.090 201.800 0.147
200703 0.080 205.352 0.129
200706 0.120 208.352 0.190
200709 0.120 208.490 0.190
200712 0.100 210.036 0.157
200803 0.100 213.528 0.155
200806 0.100 218.815 0.151
201909 0.000 256.759 0.000
202006 0.000 257.797 0.000
202009 0.000 260.280 0.000
202106 0.000 271.696 0.000
202109 0.000 274.310 0.000
202206 0.170 296.311 0.189
202209 0.200 296.808 0.223
202212 0.020 296.797 0.022
202303 -0.020 301.836 -0.022
202306 0.110 305.109 0.119
202309 0.050 307.789 0.054
202312 0.110 306.746 0.118
202403 0.100 312.332 0.106
202406 0.170 314.175 0.179
202409 0.130 315.301 0.136
202412 0.150 315.605 0.157
202503 0.110 319.799 0.114
202506 0.220 322.561 0.225
202509 0.240 324.800 0.244
202512 0.280 324.054 0.285
202603 0.210 330.213 0.210

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.67 mean?
Gouverneur Bancorp (GOVB) has a E10 of $0.67 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Gouverneur Bancorp and its competitors.
Is Gouverneur Bancorp's E10 too high?
Gouverneur Bancorp's current E10 is $0.67. Overall, Gouverneur Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gouverneur Bancorp's E10 compare to CIBN and MKIN?
Gouverneur Bancorp's E10 of $0.67 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Gouverneur Bancorp and its competitors. Gouverneur Bancorp's current E10 is $0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gouverneur Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Gouverneur Bancorp (GOVB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.20, compared to a current price of $19.65 — trading 21.3% above its estimated fair value. The current E10 is $0.67. Gouverneur Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current E10 is $0.67 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Gouverneur Bancorp (GOVB) Overvalued in 2026?

Based on GuruFocus' analysis, Gouverneur Bancorp stock appears to be overvalued. The current stock price of $19.65 is trading 21.3% above its estimated GF Value™ of $16.20. GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.

Key valuation signals for GOVB:

  • E10: $0.67
  • GF Value™: $16.20 vs. price of $19.65 (21.3% above fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the GOVB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gouverneur Bancorp Business Description

Address 42 Church Street, Gouverneur, NY, USA, 13642
Gouverneur Bancorp Inc principal activities are to accept deposits from the public and utilize those funds in loans, debt obligations 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.
71GF Score

Get the complete analysis for GOVB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.65
Price
$16.20
GF Value