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Profile - Gouverneur Bancorp, Inc. (AMEX:GOV)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 24Price hit new 52-week high ($7.75)
Location
42 Church St.
Gouverneur, NY 13642
Phone: (315) 287-2600
Fax: (315) 287-3340
Employees (last reported count): 21
Financial Links
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 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
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Ownership
·Insider and 5%+ Owners: 65%
·Institutional: 5% (13% of float)
(3 institutions)
·Net Inst. Buying: 8,000  shares (+6.96%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Gouverneur Bancorp, Inc. is a holding company for its wholly owned subsidiary, Gouverneur Savings and Loan Association (the Bank). The Company's principal business is the ownership of the Bank. Through the Bank's full-service office, the Company services a primary market area consisting of southern St. Lawrence County and northern Jefferson and Lewis Counties in New York State. Through the Bank, the Company's business consists of gathering deposits from the general public within its market area and investing those deposits primarily in loans, debt obligations issued by the United States Government and its agencies and mortgaged-backed securities. The Company's loans are mainly residential one- to four-family mortgage loans. More recently, the Company has diversified its lending by increasing its number of automobile loans, construction loans and real estate and non-real estate commercial loans.
More from Market Guide: Expanded Business Description

Financial Summary
GOV is the holding company for Gouverneur Savings and Loan Association, which serves customers in St. Lawrence County, NY and surrounding areas. For the nine months ended 6/30/01, total interest income rose 9% to $4.5 million. Net interest income after LLP fell 1% to $2.2 million. Net income rose 4% to $593 thousand. Net interest income reflects increases in the Company's loan portfolio, offset by lower interest spreads. Earnings reflect higher service charges.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Richard Bennett, 56
Pres, CEO
$170K
Robert Twyman, 53
CFO
--  
Dollar amounts are as of 30-Sep-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- AMEX:GOVAs of 31-Aug-2001
Price and Volume
52-Week Low
on 16-Jan-2001
$4.875
Recent Price$7.00 
52-Week High
on 24-Aug-2001
$7.75 
Beta0.22 
Daily Volume (3-month avg)1,045 
Daily Volume (10-day avg)3,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+43.6%
52-Week Change
relative to S&P500
+92.6%
Share-Related Items
Market Capitalization$15.9M
Shares Outstanding2.28M
Float800.0K
Dividends & Splits
Annual Dividend (indicated)$0.14 
Dividend Yield2.00%
Last Splitnone 
Per-Share Data
Book Value (mrq)$7.26 
Earnings (ttm)$0.33 
Earnings (mrq)$0.10 
Sales (ttm)$2.63 
Cash (mrq)$0.57 
Valuation Ratios
Price/Book (mrq)0.96 
Price/Earnings (ttm)21.08 
Price/Sales (ttm)2.66 
Income Statements
Sales (ttm)$5.96M
EBITDAN/A 
Income available to common (ttm)$748.0K
Profitability
Profit Margin (ttm)12.6%
Operating Margin (ttm)47.3%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.96%
Return on Equity (ttm)4.63%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$1.30M
Short Interest
As of 6-Apr-2001
Shares Short0 
Shares Short
(Prior Month)
4,000 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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