GOVB (Gouverneur Bancorp) Long-Term Debt: $1.00 Mil (As of Mar. 2026)

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GOVB Gouverneur Bancorp Inc GOVB
70 GF Score
Price $19.65
GF Value $16.31
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Gouverneur Bancorp Long-Term Debt?

Gouverneur Bancorp GOVB 70 Long-Term Debt is $1.00 Mil as of Mar. 2026. GuruFocus rates GOVB with a GF Score™ of 70/100 and a GF Value™ of $16.31 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Gouverneur Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was $1.00 Mil.

Gouverneur Bancorp's quarterly Long-Term Debt declined from Sep. 2025 ($7.00 Mil) to Dec. 2025 ($5.00 Mil) and declined from Dec. 2025 ($5.00 Mil) to Mar. 2026 ($1.00 Mil).

Gouverneur Bancorp's annual Long-Term Debt declined from Sep. 2023 ($13.99 Mil) to Sep. 2024 ($0.00 Mil) but then increased from Sep. 2024 ($0.00 Mil) to Sep. 2025 ($7.00 Mil).

Gouverneur Bancorp  (OTCPK:GOVB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Gouverneur Bancorp Long-Term Debt Related Terms

Gouverneur Bancorp Long-Term Debt Historical Data

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The historical data trend for Gouverneur Bancorp's Long-Term Debt 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 Long-Term Debt Chart

Gouverneur Bancorp Annual Data
Trend Sep05 Sep06 Sep07 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 13.99 0.00 7.00

Gouverneur Bancorp Quarterly Data
Jun20 Sep20 Jun21 Sep21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 0.00 0.00 7.00 5.00 1.00
GOVB
70GF Score
Gouverneur Bancorp Inc GOVB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $1.00 Mil mean?
Gouverneur Bancorp (GOVB) has a Long-Term Debt of $1.00 Mil as of Mar. 2026.
Is Gouverneur Bancorp's Long-Term Debt too high?
Gouverneur Bancorp's current Long-Term Debt is $1.00 Mil. Overall, Gouverneur Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gouverneur Bancorp's Long-Term Debt compare to CIBN and MKIN?
Gouverneur Bancorp's Long-Term Debt of $1.00 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Gouverneur Bancorp's current Long-Term Debt is $1.00 Mil. 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 $16.31, compared to a current price of $19.65 — trading 20.5% above its estimated fair value. The current Long-Term Debt is $1.00 Mil. Gouverneur Bancorp's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current Long-Term Debt is $1.00 Mil 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 20.5% above its estimated GF Value™ of $16.31. GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.

Key valuation signals for GOVB:

  • Long-Term Debt: $1.00 Mil
  • GF Value™: $16.31 vs. price of $19.65 (20.5% above fair value)
  • GF Score™: 70/100 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.
70GF Score

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

$19.65
Price
$16.31
GF Value