Gouverneur BancorpGOVB +0.51%71 EV-to-FCF is 10.80 as of Jul. 02, 2026, which is 26% above its 10-year median of 8.55. 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. Among 1,193 Banks companies, Gouverneur Bancorp ranks worse than 64.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Gouverneur Bancorp's Enterprise Value is $15.85 Mil.
Gouverneur Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1.47 Mil. Therefore, Gouverneur Bancorp's EV-to-FCF for today is 10.80.
The historical rank and industry rank for Gouverneur Bancorp's EV-to-FCF or its related term are showing as below:
GOVB'
s EV-to-FCF Range Over the Past 10 Years
Min: -187.33 Med: 8.55 Max: 33.58
Current: 10.8
During the past 13 years, the highest EV-to-FCF of Gouverneur Bancorp was 33.58. The lowest was -187.33. And the median was 8.55.
GOVB's EV-to-FCF is ranked worse than 64.38% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs GOVB: 10.80
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Gouverneur Bancorp's PE Ratio (TTM) for today is calculated as:
Gouverneur Bancorp's share price for today is $19.65.
Gouverneur Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.950.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Gouverneur Bancorp EV-to-FCF Related Terms
Gouverneur Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Gouverneur Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Gouverneur Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's EV-to-FCF falls into.
Gouverneur Bancorp's current Enterprise Value is $15.85 Mil.
Gouverneur Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.47 Mil.
* 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 (GOVB) has a EV-to-FCF of 10.80 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Gouverneur Bancorp and its competitors. This is 26% above median its historical median of 8.55. According to the industry distribution chart, Gouverneur Bancorp ranks #768 out of 1193 companies in the Banks industry, placing it in the top 64.4%.
Is Gouverneur Bancorp's EV-to-FCF too high?
Gouverneur Bancorp's current EV-to-FCF of 10.80 is 26% above median its 10-year median of 8.55. The Banks industry median EV-to-FCF is 6.65. Gouverneur Bancorp's value of 10.80 is 62.4% above this industry median. Based on the distribution chart, Gouverneur Bancorp ranks #768 out of 1193 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #768 out of 1193 companies for EV-to-FCF. This places Gouverneur Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.65. Gouverneur Bancorp's value of 10.80 is 62.4% above this benchmark. While the company's 10-year median is 8.55 vs. the industry median of 6.65, Gouverneur Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gouverneur Bancorp's current EV-to-FCF of 10.80 is 62.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Gouverneur Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gouverneur Bancorp's current EV-to-FCF is 10.80, which is 26% above median its own 10-year median of 8.55. 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 EV-to-FCF is 10.80, which is 26% above median its 10-year median of 8.55 and 62.4% above the Banks industry median of 6.65. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current EV-to-FCF is 10.80 as of Jul. 02, 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:
EV-to-FCF: 10.80 (26% above median its 10-year median of 8.55)
GF Value™: $16.20 vs. price of $19.65 (21.3% above fair value)
Industry Position: 62.4% above the Banks median (#768 of 1193)
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 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
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