Gouverneur BancorpGOVB 71 Return-on-Tangible-Equity is 3.18% as of Mar. 2026, which is 14% below its 10-year median of 3.70. GuruFocus rates GOVB with a GF Score™ of 71/100 and a GF Value™ of $16.26 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Gouverneur Bancorp ranks worse than 88.17% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Gouverneur Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $0.87 Mil. Gouverneur Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $27.27 Mil. Therefore, Gouverneur Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.18%.
The historical rank and industry rank for Gouverneur Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
GOVB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -1.86 Med: 3.7 Max: 6.75
Current: 3.62
During the past 13 years, Gouverneur Bancorp's highest Return-on-Tangible-Equity was 6.75%. The lowest was -1.86%. And the median was 3.70%.
GOVB's Return-on-Tangible-Equity is ranked worse than 88.17% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs GOVB: 3.62
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Gouverneur Bancorp Return-on-Tangible-Equity Related Terms
Gouverneur Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Gouverneur Bancorp's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Gouverneur Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 3.18% mean?
Gouverneur Bancorp (GOVB) has a Return-on-Tangible-Equity of 3.18% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Gouverneur Bancorp and its competitors. This is 14% below median its historical median of 3.70. According to the industry distribution chart, Gouverneur Bancorp ranks #1342 out of 1522 companies in the Banks industry, placing it in the top 88.2%.
Is Gouverneur Bancorp's Return-on-Tangible-Equity too high?
Gouverneur Bancorp's current Return-on-Tangible-Equity of 3.18% is 14% below median its 10-year median of 3.70. The Banks industry median Return-on-Tangible-Equity is 11.19. Gouverneur Bancorp's value of 3.18% is 71.6% below this industry median. Based on the distribution chart, Gouverneur Bancorp ranks #1342 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #1342 out of 1522 companies for Return-on-Tangible-Equity. This places Gouverneur Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Gouverneur Bancorp's value of 3.18% is 71.6% below this benchmark. While the company's 10-year median is 3.70 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gouverneur Bancorp's current Return-on-Tangible-Equity of 3.18% is 71.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Gouverneur Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gouverneur Bancorp's current Return-on-Tangible-Equity is 3.18%, which is 14% below median its own 10-year median of 3.70. 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 $16.26, compared to a current price of $19.65 — trading 20.8% above its estimated fair value. The current Return-on-Tangible-Equity is 3.18%, which is 14% below median its 10-year median of 3.70 and 71.6% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current Return-on-Tangible-Equity is 3.18% 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 20.8% above its estimated GF Value™ of $16.26.
GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.
Key valuation signals for GOVB:
Return-on-Tangible-Equity: 3.18% (14% below median its 10-year median of 3.70)
GF Value™: $16.26 vs. price of $19.65 (20.8% above fair value)
Industry Position: 71.6% below the Banks median (#1342 of 1522)
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
Get the complete analysis for GOVB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GOVB has been successfully added to your 
