Gouverneur Bancorp, Inc./MD/ (GOVB)
Savings Institutions, Not Federally Chartered · Financial Services · $20M
Intrinsic Value (Consensus)
$23.85
Current Price
$19.25
Margin of Safety
+23.9%
23.9% Below Intrinsic Value
Value: $24
Price: $19
Valuation Model Estimates
Current Price: $19.25
DCF (Discounted Cash Flow)
$28.87
Graham Number
$22.14
Earnings Power Value
$6.99
Relative Value (P/E)
$14.40
Dividend Discount Model
$30.00
Consensus Value
$23.85
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
12/25
Strength
17/25
Valuation
19/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $0.72
- EPS (Forward)
- $0.86
- Book Value
- $30.27
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 2.3%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance