Gouverneur Bancorp, Inc.
GOVB
Rank in Stocks
#26009
Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings... Gouverneur Bancorp, Inc. functions as the parent company for Gouverneur Savings and Loan Association, offering a full spectrum of banking products and financial services to both individual and commercial clients throughout New York State. The institution provides a diverse range of deposit accounts, including checking, passbook savings, NOW, and money market accounts, alongside certificates of deposit. Its extensive lending portfolio caters to various needs, encompassing personal loans (such as those for home improvement, automobiles, motorcycles, campers, boats, recreational vehicles, and passbook-secured loans), a variety of mortgage options (including construction loans and home equity lines of credit), as well as commercial loans for real estate, installments, short-term working capital, and equipment, along with commercial lines of credit and letters of credit. Beyond traditional banking, Gouverneur Bancorp strategically invests in general obligation municipal bonds, debt instruments issued by the U.S. government and its agencies, and mortgage-backed securities guaranteed by government-sponsored enterprises. Customers also benefit from a wide array of modern conveniences. These include digital banking platforms like online, mobile, bill pay, and telephone banking. Additional services cover ATM and debit card access, direct deposits, mobile remote deposit capture, automated payments and transfers, bank checks, wire transfers, and safe deposit box rentals. Clients can choose between electronic or paper statements. The company primarily serves St. Lawrence, Jefferson, and Lewis counties within New York State, operating through two full-service branch locations. Gouverneur Bancorp, Inc. was established in 1892 and is headquartered in Gouverneur, New York.
Share Price
$21.25
Last synced: 2026-11-09
Market Cap
$22.50M
Change (1 day)
0.00%
Change (1 year)
46.65%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Gouverneur Bancorp, Inc. (GOVB)
Category
Financial Services
Operating Margin for Gouverneur Bancorp, Inc. (GOVB)
Operating Margin as of November 2026 TTM: -51.00%
According to Gouverneur Bancorp, Inc.'s latest financial reports, its current operating margin (TTM) is -51.00%. At the end of 2025 the company had an operating margin of 8.16%.
Operating Margin history for Gouverneur Bancorp, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | -51.00% | -725.00% |
| 2025 | 8.16% | 60.31% |
| 2024 | 5.09% | 79.86% |
| 2023 | 2.83% | -89.16% |
| 2022 | 26.10% | 45.73% |
| 2021 | 17.91% | -234.86% |
| 2020 | -13.28% | -16.00% |
| 2019 | -15.81% | -147.75% |
| 2018 | 33.11% | -58.05% |
| 2017 | 78.92% | 0.92% |
| 2016 | 78.20% | 372.51% |
| 2007 | 16.55% | -26.41% |
| 2006 | 22.49% | 2.98% |
| 2005 | 21.84% | -9.53% |
| 2004 | 24.14% | 41.17% |
| 2003 | 17.10% | -22.27% |
| 2002 | 22.00% | 12.13% |
| 2001 | 19.62% | -0.25% |
| 2000 | 19.67% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -101.06% |
CN
|
|
| 57.52% | -101.13% |
IT
|
|
| 21.82% | -100.43% |
IN
|
|
| 26.74% | -100.52% |
IN
|
|
| 20.55% | -100.40% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Gouverneur Bancorp, Inc.'s operating margin
What is Gouverneur Bancorp, Inc.'s operating margin?
Gouverneur Bancorp, Inc.'s operating margin is -51.00%, as of Nov 2026.
What was Gouverneur Bancorp, Inc.'s operating margin in 2025?
In 2025, Gouverneur Bancorp, Inc.'s operating margin was 8.16%, compared with 5.09% in 2024.
How has Gouverneur Bancorp, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Gouverneur Bancorp, Inc.'s operating margin was highest in 2022 (26.10%) and lowest in 2020 (-13.28%).
How does Gouverneur Bancorp, Inc.'s operating margin compare with similar companies?
Gouverneur Bancorp, Inc.'s operating margin (-51.00%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.