GOVB (Gouverneur Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

GOVB Gouverneur Bancorp Inc GOVB
70 GF Score
Price $19.85
GF Value $16.33
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Gouverneur Bancorp ROC (Joel Greenblatt) %?

Gouverneur Bancorp GOVB +1.00% 70 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates GOVB with a GF Score™ of 70/100 and a GF Value™ of $16.33 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Gouverneur Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

GOVB
70GF Score
Gouverneur Bancorp Inc GOVB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Gouverneur Bancorp (GOVB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Gouverneur Bancorp and its competitors. According to the industry distribution chart, Gouverneur Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is Gouverneur Bancorp's ROC (Joel Greenblatt) % too high?
Gouverneur Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Gouverneur Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Gouverneur Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Gouverneur Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gouverneur Bancorp's current ROC (Joel Greenblatt) % is %. 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 $16.33, compared to a current price of $19.85 — trading 21.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current ROC (Joel Greenblatt) % is % 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 $19.85 is trading 21.5% above its estimated GF Value™ of $16.33. GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.

Key valuation signals for GOVB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $16.33 vs. price of $19.85 (21.5% above fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for GOVB

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.85
Price
$16.33
GF Value