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Gouverneur BancorpGOVB +3.32%65 3-Year Share Buyback Ratio is 19.70 as of Jun. 2026, which is 1171% above its 10-year median of 1.55. GuruFocus rates GOVB with a GF Score™ of 65/100 and a GF Value™ of $16.14 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,030 Banks companies, Gouverneur Bancorp ranks better than 99.9% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Gouverneur Bancorp's current 3-Year Share Buyback Ratio was 19.70%.
The historical rank and industry rank for Gouverneur Bancorp's 3-Year Share Buyback Ratio or its related term are showing as below:
GOVB'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -0.2 Med: 1.55 Max: 19.7
Current: 19.7
During the past 13 years, Gouverneur Bancorp's highest 3-Year Share Buyback Ratio was 19.70%. The lowest was -0.20%. And the median was 1.55%.
GOVB's 3-Year Share Buyback Ratio is ranked better than 99.9% of 1030
companies
in the Banks industry
Industry Median: -0.2
vs GOVB: 19.70
Gouverneur Bancorp (OTCPK:GOVB) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Gouverneur Bancorp 3-Year Share Buyback Ratio Related Terms
GOVB vs UNTN, TVLF, UNIF: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Gouverneur Bancorp's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Gouverneur Bancorp's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Gouverneur Bancorp's 3-Year Share Buyback Ratio falls into.
Gouverneur Bancorp 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 19.70 mean?
Gouverneur Bancorp (GOVB) has a 3-Year Share Buyback Ratio of 19.70 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Gouverneur Bancorp and its competitors. This is 1171% above median its historical median of 1.55. According to the industry distribution chart, Gouverneur Bancorp ranks #1 out of 1030 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Gouverneur Bancorp's 3-Year Share Buyback Ratio too high?
Gouverneur Bancorp's current 3-Year Share Buyback Ratio of 19.70 is 1171% above median its 10-year median of 1.55. Based on the distribution chart, Gouverneur Bancorp ranks #1 out of 1030 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 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gouverneur Bancorp's 3-Year Share Buyback Ratio compare to UNTN and TVLF?
According to the Banks industry distribution chart, Gouverneur Bancorp ranks #1 out of 1030 companies for 3-Year Share Buyback Ratio. This places Gouverneur Bancorp in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Gouverneur Bancorp and its competitors. Gouverneur Bancorp's current 3-Year Share Buyback Ratio is 19.70, which is 1171% above median its own 10-year median of 1.55. 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 Significantly Overvalued. The stock's GF Value™ is $16.14, compared to a current price of $23.37 — trading 44.8% above its estimated fair value. The current 3-Year Share Buyback Ratio is 19.70, which is 1171% above median its 10-year median of 1.55. Gouverneur Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Gouverneur Bancorp (GOVB), the current 3-Year Share Buyback Ratio is 19.70 as of Jun. 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 $23.37 is trading 44.8% above its estimated GF Value™ of $16.14.
GuruFocus considers Gouverneur Bancorp to be Significantly Overvalued.
Key valuation signals for GOVB:
3-Year Share Buyback Ratio: 19.70 (1171% above median its 10-year median of 1.55)
GF Value™: $16.14 vs. price of $23.37 (44.8% 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.
65GF Score
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