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Gouverneur BancorpGOVB 70 Net Debt Paydown Yield % is 3.11% as of Jul. 15, 2026, which is 91% below its 10-year median of 35.83. 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. Among 1,421 Banks companies, Gouverneur Bancorp ranks better than 71.85% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Gouverneur Bancorp's Net Debt Paydown Yield % was 3.11%.
Gouverneur Bancorp (OTCPK:GOVB) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Gouverneur Bancorp Net Debt Paydown Yield % Related Terms
Gouverneur Bancorp Net Debt Paydown Yield % Historical Data
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The historical data trend for Gouverneur Bancorp's Net Debt Paydown Yield % 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.
GOVB vs CIBN, MKIN, TDCB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Gouverneur Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 3.11% mean?
Gouverneur Bancorp (GOVB) has a Net Debt Paydown Yield % of 3.11% as of Jul. 15, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Gouverneur Bancorp and its competitors. This is 91% below median its historical median of 35.83. According to the industry distribution chart, Gouverneur Bancorp ranks #400 out of 1421 companies in the Banks industry, placing it in the top 28.1%.
Is Gouverneur Bancorp's Net Debt Paydown Yield % too high?
Gouverneur Bancorp's current Net Debt Paydown Yield % of 3.11% is 91% below median its 10-year median of 35.83. Based on the distribution chart, Gouverneur Bancorp ranks #400 out of 1421 companies in the Banks industry, which is above the industry midpoint. 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 Net Debt Paydown Yield % compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #400 out of 1421 companies for Net Debt Paydown Yield %. 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Gouverneur Bancorp and its competitors. Gouverneur Bancorp's current Net Debt Paydown Yield % is 3.11%, which is 91% below median its own 10-year median of 35.83. 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 Net Debt Paydown Yield % is 3.11%, which is 91% below median its 10-year median of 35.83. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current Net Debt Paydown Yield % is 3.11% as of Jul. 15, 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:
Net Debt Paydown Yield %: 3.11% (91% below median its 10-year median of 35.83)
GF Value™: $16.31 vs. price of $19.65 (20.5% above fair value)
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.
70GF Score
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