GOVB (Gouverneur Bancorp) Moat Score: 2/10 (As of Jul. 04, 2026)


GOVB Gouverneur Bancorp Inc GOVB
71 GF Score
Price $19.65
GF Value $16.23
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Gouverneur Bancorp Moat Score?

Gouverneur Bancorp GOVB +0.51% 71 Moat Score is 2 as of Jul. 04, 2026. GuruFocus rates GOVB with a GF Score™ of 71/100 and a GF Value™ of $16.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Gouverneur Bancorp ranks better than 59.84% on this metric.

Gouverneur Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Gouverneur Bancorp has No Moat: Gouverneur Bancorp Inc operates in a competitive banking industry with no significant market leadership or cost advantages. The company lacks strong brand strength, customer loyalty, or regulatory barriers to create a sustainable moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Gouverneur Bancorp might have No Moat - Very weak/transient advantages.

Gouverneur Bancorp  (OTCPK:GOVB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Gouverneur Bancorp Moat Score Related Terms

GOVB vs CIBN, MKIN, TDCB: Moat Score Comparison

For the Banks - Regional subindustry, Gouverneur Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Gouverneur Bancorp's Moat Score falls into.


GOVB
71GF Score
Gouverneur Bancorp Inc GOVB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Gouverneur Bancorp (GOVB) has a Moat Score of 2 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Gouverneur Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Gouverneur Bancorp's Moat Score too high?
Gouverneur Bancorp's current Moat Score is 2. Based on the distribution chart, Gouverneur Bancorp ranks #647 out of 1611 companies in the Banks industry, which is above 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 Moat Score compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #647 out of 1611 companies for Moat Score. This puts Gouverneur Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Gouverneur Bancorp's current Moat Score is 2. 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 $16.23, compared to a current price of $19.65 — trading 21.1% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current Moat Score is 2 as of Jul. 04, 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 21.1% above its estimated GF Value™ of $16.23. GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.

Key valuation signals for GOVB:

  • Moat Score: 2
  • GF Value™: $16.23 vs. price of $19.65 (21.1% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.65
Price
$16.23
GF Value