GOVB (Gouverneur Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Jul. 02, 2026)


GOVB Gouverneur Bancorp Inc GOVB
71 GF Score
Price $19.65
GF Value $16.20
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Gouverneur Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Gouverneur Bancorp's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

GOVB vs CIBN, MKIN, TDCB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Gouverneur Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Gouverneur Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Gouverneur Bancorp's Margin of Safety % (DCF FCF Based) falls into.


GOVB
71GF Score
Gouverneur Bancorp Inc GOVB
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • 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

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.65
Price
$16.20
GF Value