Gouverneur BancorpGOVB +0.51%71 OCF Margin % is 17.70% as of Mar. 2026, which is 13% above its 10-year median of 15.73. 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 1,503 Banks companies, Gouverneur Bancorp ranks worse than 62.21% on this metric.
The historical rank and industry rank for Gouverneur Bancorp's OCF Margin % or its related term are showing as below:
GOVB'
s OCF Margin % Range Over the Past 10 Years
Min: -37.54 Med: 15.73 Max: 73.98
Current: 20.64
During the past 13 years, the highest OCF Margin % of Gouverneur Bancorp was 73.98%. The lowest was -37.54%. And the median was 15.73%.
GOVB's OCF Margin % is ranked worse than 62.21% of 1503
companies
in the Banks industry
Industry Median: 29.37
vs GOVB: 20.64
Gouverneur Bancorp OCF Margin % Related Terms
Gouverneur Bancorp OCF Margin % Historical Data
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The historical data trend for Gouverneur Bancorp's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's OCF Margin % 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.
Gouverneur Bancorp (GOVB) has a OCF Margin % of 17.70% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Gouverneur Bancorp and its competitors. This is 13% above median its historical median of 15.73. According to the industry distribution chart, Gouverneur Bancorp ranks #935 out of 1503 companies in the Banks industry, placing it in the top 62.2%.
Is Gouverneur Bancorp's OCF Margin % too high?
Gouverneur Bancorp's current OCF Margin % of 17.70% is 13% above median its 10-year median of 15.73. The Banks industry median OCF Margin % is 29.37. Gouverneur Bancorp's value of 17.70% is 39.7% below this industry median. Based on the distribution chart, Gouverneur Bancorp ranks #935 out of 1503 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 OCF Margin % compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #935 out of 1503 companies for OCF Margin %. This places Gouverneur Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.37. Gouverneur Bancorp's value of 17.70% is 39.7% below this benchmark. While the company's 10-year median is 15.73 vs. the industry median of 29.37, Gouverneur Bancorp has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.37, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gouverneur Bancorp's current OCF Margin % of 17.70% is 39.7% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Gouverneur Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gouverneur Bancorp's current OCF Margin % is 17.70%, which is 13% above median its own 10-year median of 15.73. 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 OCF Margin % is 17.70%, which is 13% above median its 10-year median of 15.73 and 39.7% below the Banks industry median of 29.37. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current OCF Margin % is 17.70% 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 21.3% above its estimated GF Value™ of $16.20.
GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.
Key valuation signals for GOVB:
OCF Margin %: 17.70% (13% above median its 10-year median of 15.73)
GF Value™: $16.20 vs. price of $19.65 (21.3% above fair value)
Industry Position: 39.7% below the Banks median (#935 of 1503)
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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