Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Gouverneur Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was 35.58%.
The industry rank for Gouverneur Bancorp's 3-Year RORE % or its related term are showing as below:
GOVB's 3-Year RORE % is ranked better than 86.1% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs GOVB: 35.58
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Gouverneur Bancorp 3-Year RORE % Related Terms
Gouverneur Bancorp 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Gouverneur Bancorp's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Gouverneur Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Gouverneur Bancorp (GOVB) has a 3-Year RORE % of 35.58 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Gouverneur Bancorp and its competitors. According to the industry distribution chart, Gouverneur Bancorp ranks #205 out of 1475 companies in the Banks industry, placing it in the top 13.9%.
Is Gouverneur Bancorp's 3-Year RORE % too high?
Gouverneur Bancorp's current 3-Year RORE % is 35.58. The Banks industry median 3-Year RORE % is 9.92. Gouverneur Bancorp's value of 35.58 is 258.7% above this industry median. Based on the distribution chart, Gouverneur Bancorp ranks #205 out of 1475 companies in the Banks industry, which is in the top quartile — a strong position 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 3-Year RORE % compare to CIBN and MKIN?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #205 out of 1475 companies for 3-Year RORE %. This places Gouverneur Bancorp in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Gouverneur Bancorp's value of 35.58 is 258.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gouverneur Bancorp's current 3-Year RORE % of 35.58 is 258.7% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Gouverneur Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gouverneur Bancorp's current 3-Year RORE % is 35.58. 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 $16.30, compared to a current price of $19.65 — trading 20.6% above its estimated fair value. The current 3-Year RORE % is 35.58 and 258.7% above the Banks industry median of 9.92. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current 3-Year RORE % is 35.58 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 20.6% above its estimated GF Value™ of $16.30.
GuruFocus considers Gouverneur Bancorp to be Modestly Overvalued.
Key valuation signals for GOVB:
3-Year RORE %: 35.58
GF Value™: $16.30 vs. price of $19.65 (20.6% above fair value)
Industry Position: 258.7% above the Banks median (#205 of 1475)
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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