21.25
-0.79%
Close of 9 Nov 2026, in USD
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About Gouverneur Bancorp
From its filings with the US Securities and Exchange Commission
Gouverneur Bancorp is based in Gouverneur, New York and is incorporated in Maryland. Its shares trade on OTC under the ticker GOVB. The SEC classifies its business as savings institutions, not federally chartered. In the fiscal year to 30 September 2025, it reported net income of $733,000. At that date it held total assets of $198.5m and shareholders' equity of $32.1m.
Gouverneur Bancorp, Inc. Gouverneur Bancorp, Inc. (the “Company”) is a Maryland corporation that was incorporated in June 2023 to be the successor to Gouverneur Bancorp, Inc., a federally chartered corporation (the “Mid-Tier Holding Company”), upon completion of the second-step conversion of Gouverneur Savings and Loan Association (the “Bank”) from the two-tier mutual holding company structure to the stock holding company structure. Cambray Mutual Holding Company was the former mutual holding company for the Mid-Tier Holding Company prior to the completion of the second-step conversion. In conjunction with the second-step conversion, each of Cambray Mutual Holding Company and the Mid-Tier Holding Company merged out of existence and now cease to exist. The second-step conversion was completed on October 31, 2023, at which time the Company sold, for gross proceeds of $7.2 million, a total of 723,068 shares of common stock at $10.00 per share, including 57,845 shares sold to the Bank’s employee stock ownership plan. As part of the second-step conversion, each of the existing outstanding shares of Mid-Tier Holding Company common stock owned by persons other than Cambray Mutual Holding Company was converted into 0.5334 shares of Company common stock. As a result of the second-step conversion, all share information has been subsequently revised to reflect the 0.5334 exchange ratio, unless otherwise noted.
Quoted from its 10-K, filed 19 Dec 2025. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 23 Mar 1999
- Employees
- 32
- Website
- gouverneurbank.com ↗
- Head office
- 42 CHURCH STREET, GOUVERNEUR, NY, 13642
- Incorporated in
- MD
- Classification
- Savings Institutions, Not Federally Chartered
- Filer status
- <br>Emerging growth company
Leadership
Pay as last reported
- Mrs. Clara CummingsIndependent Chairman of the Board$59,072
- Mr. Stephen JefferiesPresident and Chief Executive Officer of the Company and the Bank, Director, since 2025$26,723
- Mr. James CampanaroChief Financial Officer, Vice President of the Company and Bank$128,675
- Mrs. Sadie HallVice President, Compliance Officer and Chief Operating Officer$103,678
- Mr. Henry LeaderIndependent Director, Company Secretary$55,434
- Mr. John MasonIndependent Director$56,172
- Mr. David McClureIndependent Director$57,634
- Dr. Timothy MonroeIndependent Director$56,184
- Mr. Duane PelkeyIndependent Director$2,300
- Ms. Amy RapholzIndependent Director$58,722
- Mr. Chad SoperIndependent Director$56,934
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Gouverneur Savings & Loan Association serves Saint Lawrence County with residential mortgage loans.
- Gouverneur Bancorp Inc. focuses on residential and commercial mortgage loans in New York State.
- The company employs 32 full-time staff to manage financial services in local communities.
Weaknesses
- Gouverneur Bancorp Inc. has limited operations restricted to three New York counties.
- The firm's loan portfolio is heavily reliant on residential mortgage loans.
- Gouverneur Bancorp Inc. lacks a diversified product range beyond mortgages and consumer loans.
Opportunities
- Expanding into Jefferson County could increase market share for Gouverneur Bancorp Inc.
- Gouverneur Savings & Loan Association can leverage mortgage-backed securities for growth.
- The firm may develop new consumer loan products to attract more customers.
Threats
- Competition from larger banks in New York State poses a risk to Gouverneur Bancorp Inc.
- Economic downturns in Saint Lawrence County could reduce loan demand.
- Regulatory changes in the Financial Services sector might affect Gouverneur Bancorp Inc.'s operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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