Gouverneur Bancorp, Inc. (GOVB)

[Thugmuffin]

$GOVB Gouverneur Bancorp Announces Fiscal 2022 Second Quarter and Six Months ResultsPress Release | 04/27/2022

GOUVERNEUR, N.Y., April 27, 2022 (GLOBE NEWSWIRE) -- Gouverneur Bancorp, Inc. (OTC Pink: GOVB) (the “Company”) holding company for Gouverneur Savings and Loan Association (the “Bank”), today announced the results for the second quarter of fiscal year 2022 ended March 31, 2022.

A Note to our Shareholders: As announced through a press release issued on January 6, 2022, Cambray Mutual Holding Company (the “MHC”), the Company, the Bank and Citizens Bank of Cape Vincent (“CBCV”) announced the signing of a definitive merger agreement pursuant to which CBCV will merge with and into the Bank, with the Bank as the surviving institution with total assets estimation of $210 million. The Bank will add three additional offices for a total of five as we expand our footprint upon the merger completion. As a result, the first half of fiscal year 2022 saw a rise in professional fees compared to the same period in fiscal year 2021 due to costs associated with the merger agreement. Professional fees increased $281,000, from $144,000 at March 31, 2021 to $425,000 at March 31, 2022, impacting earnings for the current fiscal year. The increased costs incurred by the merger include due diligence, application fees, financial and legal services. These merger related expenses are expected to continue until the merger closing date, anticipated for late third quarter of fiscal year 2022.

To supplement our second quarter financial information, which is prepared and presented in accordance with generally accepted accounting principles in the United States of America (“GAAP”), we used the following non-GAAP financial measures: Adjusted Non-interest Income, Adjusted Earnings Before Income Tax (AEBIT), Adjusted Income Tax, and Adjusted Net Income. This financial information is not intended to be considered as a substitute for the financial information prepared and presented in accordance with GAAP. We use these non-GAAP financial measures as a tool in financial and operational decision making and evaluating period-to-period comparisons. We believe that these non-GAAP financial measures provide important supplemental information regarding our performance by excluding from non-interest income the non-cash measurement of the unrealized gains or losses in market value on swap agreements held with Federal Home Loan Bank of New York (“FHLBNY”), which fluctuates monthly and may not be indicative of our recurring operating results.

We believe that both management and investors benefit from these non-GAAP financial reports when assessing current performance and while planning, forecasting, and analyzing future periods. These non-GAAP financial measures also assist with management’s comparisons to historical performance. We believe these non-GAAP financial measures are also useful to investors because (1) they allow for greater transparency with respect to key metrics used by management in its financial and operational decision-making and (2) they help investors analyze the health of our business.

In light of a number of limitations related to the use of these non-GAAP financial measures, we provide specific information regarding the GAAP amounts excluded from the non-GAAP financial measures and evaluate these non-GAAP financial measures together with their relevant financial measures in accordance with GAAP.

Certain non-GAAP financial metrics related to adjustments to total liabilities and shareholder’s equity resulting from the exclusion of the non-cash measurement of the unrealized gains or losses in market value on swap agreements held with FHLBNY have been omitted from this release as they are immaterially different from their relevant GAAP financial metrics as disclosed herein.

For more information on these non-GAAP financial measures, please see and “Reconciliation of Non-GAAP Income” and “Definitions of Non-GAAP Measures” included later in this release.


Financial and Operational Metrics
For the Quarter Ending For the Six Months Ending
03/31/22 03/31/21 03/31/22 03/31/21
Statement of Earnings (In Thousands) (In Thousands)

Interest Income $ 1,082 $ 1,116 $ 2,160 $ 2,277
Interest Expense 75 89 158 198
Net Interest Income 1,007 1,027 2,002 2,079

Provision for Loan Loss 15 15 31 15
Net Interest Income After Provision for Loan Loss 992 1,012 1,971 2,064

Non-interest Income 998 896 1,450 1,452
Non-interest Expenses 1,295 1,226 2,489 2,557

Income Before Income Tax 695 682 932 959
Income Tax 120 117 145 152
Net Income $ 575 $ 565 $ 787 $ 807

Adjusted Statement of Earnings

Interest Income $ 1,082 $ 1,116 $ 2,160 $ 2,277
Interest Expense 75 89 158 198
Net Interest Income 1,007 1,027 2,002 2,079

Provision for Loan Loss 15 15 31 15
Net Interest Income After Provision for Loan Loss 992 1,012 1,971 2,064

Non-interest Income 998 896 1,450 1,452
Deduct: Unrealized gain on swap agreement 832 682 1,093 917
Adjusted Non-interest Income (1) 166 214 357 535

Non-interest Expenses 1,295 1,226 2,489 2,557

Adjusted Earnings (Losses) Before Income Tax (1) (137 ) 0 (161 ) 42

Income Tax 120 117 145 152
Deduct: change in EBIT tax calculation per income adjustment 175 142 229 192
Adjusted Income Tax (Benefit) (1) (55 ) (25 ) (84 ) (40 )

Adjusted Net Income (Loss) (1) $ (82 ) $ 25 $ (77 ) $ 82


(1) “Adjusted Non-interest Income”, “Adjusted Earnings Before Income Tax”, “Adjusted Income Tax”, and “Adjusted Net Income” are non-GAAP measures. See “Definitions of Non-GAAP Measures” and “Reconciliation of Non-GAAP Measures” sections herein for an explanation and reconciliation of non-GAAP measures used throughout this release.


Reconciliation to Non-GAAP Net Income
(in thousands)

For the Quarter Ending: For the Six Months Ending:
03/31/22 03/31/21 03/31/22 03/31/21

Net Income $ 575 $ 565 $ 787 $ 807

Deduct: Unrealized gain on swap agreement 832 682 1,093 917

Deduct: Change in EBIT tax calc. per income adjustment (175 ) (142 ) (229 ) (192 )

Adjusted Net Income (Loss) $ (82 ) $ 25 $ (77 ) $ 82


Net income: for year to date fiscal year 2022, after a $31,000 provision for loan loss, the Company reported a net gain of $787,000, or $0.39 per diluted share, compared to $807,000, or $0.40 per diluted share, in the first half of fiscal year 2021. The earnings resulted in an annualized return on average assets (net income divided by average assets), (“ROA”) and annualized return on average equity (net income divided by average equity), (“ROE”) decrease from the March 2021 figure of 1.29% and 6.00%, respectively, to 1.22%, and 5.81%, respectively.

Adjusted net income for the six months ending March 31, 2022 decreased 193.90% to $(77,000) or $(0.04) per diluted share, compared to $82,000, or $0.04 per diluted share, for the six months ending March 31, 2021. The adjusted earnings resulted in an annualized ROA of -0.12%, a decrease from 0.13% at March 2021 fiscal year to date while the ROE decreased from 0.62% to -0.57% for the same period.

Net interest spread, the difference between the rate earned on interest-earning assets and the rate paid on interest-bearing liabilities, was 3.40% at March 31, 2022 and 3.67% at March 31, 2021.

Total assets decreased $4.65 million, or 3.45%, from $134.73 million at September 30, 2021 to $130.08 million at March 31, 2022. Securities available for sale decreased by $3.21 million, or 13.05%, from $24.61 million to $21.40 million over the same period. Net loans increased by $1.60 million from September 2021 to March 2022. The Bank made a $31,000 provision for loan loss the first six months of fiscal 2022, an increase from the $15,000 provision made in the same period of the 2021 fiscal year. The Bank continued its success with their secondary market mortgage program with FHLBNY after a strong performance in fiscal year 2021. Sold loan volume increased $400,000, from $13.20 million at September 30, 2021 to $13.60 million at March 31, 2022. The Bank recognized $36,000 of fee income from the program over the same period.

Deposits: While decreasing $479,000, or 0.48%, to $100.27 million at March 31, 2022 from $100.75 million at September 30, 2021, deposits still remain well above pre-pandemic average levels of $80.67 million at March 31, 2020. The Bank currently holds no advances from FHLB.

Shareholders’ equity was $26.21 million at March 31, 2022, representing a decrease of 3.68% from the September 30, 2021 balance of $27.21 million. The Company’s book value was $12.90 per common share based on 2,383,610 shares issued and 2,031,377 shares outstanding at March 31, 2022. On March 31, 2022, the Company paid a semi-annual cash dividend of $0.10 per share to all shareholders of record on March 15, 2022.

Non-GAAP Financial Measures

The Company has numerous interest rate swap agreements (“swaps”) with FHLBNY as a means to hedge the cost of certain borrowings and to increase the interest rate sensitivity of certain assets. The accounting for changes in the fair market value of these swaps (unrealized gains or losses) is currently recognized in earnings as other operating income (loss). Activity in Fiscal year 2021 had resulted in an unrealized gain on the fair market value of these swaps due to a rise in longer term U.S. Treasury bond rates.

During the first half of Fiscal year 2022, the market value of the swaps continued to rise, resulting in a total unrealized gain in market value of $1,093,000 for the first and second quarters. Management feels that by eliminating these fluctuations in market value from the GAAP statements, it is able to provide a more accurate picture of the Company’s financial and operational results.

While the swaps market value will fluctuate with long term bond rates and projected short-term rates, the Company has both the intent and ability to hold these swaps to maturity regardless of the changes in market condition, liquidity needs or changes in general economic conditions. Meanwhile, the Company continues to mitigate its interest rate risk through the agreements.

Definitions of Non-GAAP Measures

Adjusted Non-Interest Income We define Adjusted Non-Interest Income as total non-interest earnings excluding certain items that may not be indicative of our recurring business operating results. Adjusted non-interest income excludes from other non-interest income the non-cash measurement of the unrealized gains or losses in market value on swap agreements.

Adjusted Earnings Before Income Tax We define AEBIT as net income (loss) before income tax, excluding certain items that may not be indicative of our recurring business operating results. AEBIT excludes from total earnings before income tax the non-cash measurement of the unrealized gains or losses in market value on swap agreements.

We have included AEBIT because it is a key measure used by our management team to evaluate our operating performance, generate future operating plans, and make strategic decisions, including those related to operating expenses. Accordingly, we believe that AEBIT provides useful information to investors and others in understanding and evaluating our operating results in the same manner as our management team and board of directors. In addition, it provides a useful measure for period-to-period comparisons of our business as it removes the effect of certain non-cash items with variable unrealized gains and losses. AEBIT is not meant as a substitute for the related financial information prepared in accordance with GAAP.

Adjusted Income Tax We define Adjusted Income Tax as the income tax calculated from the adjusted earnings before income tax.

Adjusted Net Income We define Adjusted Net Income as net income less certain items that may not be indicative of our recurring business operating results. Adjusted Net Income excludes the non-cash measurement of the unrealized gains or losses in market value on swap agreements held with FHLBNY and the subsequent recalculation of associated income tax. Adjusted Net Income should be considered a supplement, and not a substitute for, net income prepared in accordance with GAAP.

Forward-Looking Statements

The Company, headquartered in Gouverneur, New York, is the holding company for Gouverneur Savings and Loan Association. Founded in 1892, the Bank is a New York State chartered savings and loan association offering a variety of banking products and services to individuals and businesses in its primary market area of St. Lawrence, Lewis and Jefferson Counties in New York State.

Statements in this news release contain forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on the beliefs of management as well as assumptions made using information currently available to management. Since these statements reflect the views of management concerning future events, these statements involve risks, uncertainties and assumptions. These risks and uncertainties include among others, the impact of changes in market interest rates and general economic conditions, changes in government regulations, changes in accounting principles and the quality or composition of the loan and investment portfolios. Therefore, actual future results may differ significantly from results discussed in the forward-looking statements.

For more information, contact Faye C. Waterman, President and Chief Executive Officer, at [phone].

[AskMuncher]

$GOVB Gouverneur Bancorp, Inc. to Acquire Citizens Bank of Cape Vincent
Press Release | 01/06/2022
GOUVERNEUR, N.Y. and CAPE VINCENT, N.Y., Jan. 06, 2022 (GLOBE NEWSWIRE) -- Cambray Mutual Holding Company (the “MHC”), Gouverneur Bancorp, Inc. (OTC Pink: GOVB) (the “Company”) and Gouverneur Savings and Loan Association (the “Bank” and, together with the MHC and the Company, “Gouverneur” or the “Gouverneur Entities”) and Citizens Bank of Cape Vincent (“CBCV”) today announced the signing of a definitive merger agreement pursuant to which CBCV will merge with and into the Bank, with the Bank as the surviving institution, in a series of transactions. The combined institution will have approximately $210 million in total assets and five offices in two counties in Northern New York.

Pursuant to the terms of the merger agreement, which has been unanimously approved by the Boards of Directors of CBCV and each of the Gouverneur Entities, CBCV stockholders will receive $1,056.11 in cash for each share of CBCV common stock held, representing aggregate merger consideration of $8,448,900.

Faye C. Waterman, the President and Chief Executive Officer of Gouverneur, commented, “The acquisition of Citizens Bank of Cape Vincent will further expand our footprint into Jefferson County and the Lake Ontario, St. Lawrence River communities. Gouverneur and CBCV share the same core values, and this merger allows us to honor our longstanding commitments to our stockholders and communities while continuing to serve our customers with the same high level of personal service. The merger will also offer expanded products and services to the CBCV and Gouverneur customer base.”

Mr. Waterman continued, “We are very excited about our growing Gouverneur family and serving the St. Lawrence County, Jefferson County and Lewis County regions for many years to come.”

Taylor Robbins, the President and Chief Executive Officer of Citizens Bank of Cape Vincent, commented, “Citizens Bank of Cape Vincent is proud to be partnering with Gouverneur Savings and Loan. We believe this merger is an excellent fit given our familiarity with Gouverneur Savings. Both of our institutions have been successfully serving our communities for over 100 years. This merger offers significant and enhanced benefits to our customers, communities, employees, and shareholders. We are excited and look forward to demonstrating to all of our combined constituents that we’re better and stronger together. We believe this is an excellent opportunity for both institutions and we look forward to all of the opportunities that lie ahead for us.”

Under the merger agreement, Gouverneur will appoint one current CBCV director to the Board of Directors of each of the Gouverneur Entities, and will appoint Mr. Robbins as Executive Vice President.

The merger is expected to be consummated during the second quarter of 2022, after the satisfaction of customary closing conditions, including the receipt of all required regulatory approvals and the approval of CBCV’s stockholders. In connection with the execution of the merger agreement, Gouverneur entered into voting agreements with the members of the Board of Directors of CBCV. Subject to the terms and conditions of the voting agreements, these individuals have agreed to vote their shares in favor of the transactions contemplated by the merger agreement.

Keller & Company, Inc. is serving as financial advisor to Gouverneur and Kilpatrick Townsend & Stockton LLP is serving as legal counsel to Gouverneur in connection with the transaction. Piper Sandler & Co. is serving as financial advisor to CBCV and Luse Gorman, PC is serving as legal counsel to CBCV in connection with the transaction.

About Gouverneur

Gouverneur Bancorp, Inc. (OTC Pink: GOVB) is the holding company for Gouverneur Savings and Loan Association, which is a New York chartered savings and loan association founded in 1892 that offers deposit and loan services for businesses, families and individuals. At September 30, 2021, Gouverneur Bancorp had total assets of $134.7 million, total deposits of $100.8 million and total stockholders’ equity of $27.2 million.

About Citizens Bank of Cape Vincent

Citizens Bank of Cape Vincent (CBCV) is a New York commercial bank offering deposit and loan services for businesses, families and individuals. At September 30, 2021, CBCV had total assets of $87.2 million, total deposits of $79.7 million and total stockholders’ equity of $7.3 million.

Additional Information

In connection with the proposed merger transaction, CBCV will prepare a proxy statement (the “Proxy Statement”), as well as other relevant documents concerning the proposed transaction. The Proxy Statement will be mailed to the stockholders of CBCV, and stockholders of CBCV are urged to read the Proxy Statement and other relevant materials when they become available before voting on the merger. The foregoing description of the merger agreement and the transactions contemplated thereby is not complete and is subject to and qualified in its entirety by reference to the merger agreement, which will be included in the Proxy Statement.

The merger agreement is not intended to provide any other factual information about Gouverneur, CBCV or any of their affiliates. The representations and warranties contained in the merger agreement were made only for purposes of that agreement and as of specific dates, were solely for the benefit of the parties to the agreement, may be subject to limitations agreed upon by the parties, including being qualified by confidential disclosures made for the purposes of allocating contractual risk between the parties to the agreement instead of establishing these matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those applicable to investors. Investors should not rely upon the representations, warranties and covenants or any description thereof as characterizations of the actual state of facts or condition of Gouverneur, CBCV or their affiliates. Moreover, information concerning the subject matter of the representations, warranties and covenants may change after the date of the agreement, which subsequent information may or may not be fully reflected in public disclosures by Gouverneur or CBCV.

CBCV and certain of its directors and executive officers may be deemed to be “participants” in the solicitation of proxies from the stockholders of CBCV in favor of the merger. Information about the directors and executive officers of CBCV will be set forth in the Proxy Statement.

This press release does not constitute a solicitation of proxies.

Special Note Concerning Forward-Looking Statements

This communication contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are generally identifiable by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “intend,” “estimate,” “may,” “will,” “would,” “could,” “should” or other similar expressions. All statements in this document, including forward-looking statements, speak only as of the date they are made, and neither Gouverneur nor CBCV undertakes any obligation to update any statement in light of new information or future events.

A number of factors, many of which are beyond our ability to control or predict, could cause actual results to differ materially from forward-looking statements. These factors include, among others, the following: the ability to obtain regulatory approvals and meet other closing conditions to the merger, including approval by CBCV’s stockholders, on the expected terms and schedule; delay in closing the merger; changes in interest rates; national and regional economic conditions; legislative and regulatory changes; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the size, quality and composition of the loan or investment portfolios; demand for loan products; deposit flows; competition; demand for financial services in our market area; changes in real estate market values in our market area; and changes in relevant accounting principles and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.

For more information, contact Faye C. Waterman, President and Chief Executive Officer at [phone].

[Penny Roger$]

<<< $GOVB Links! >>> ~ MAC's Quick DD Links without the charts.



Open these links (or the ones you desire) in background tabs
http://help.opera.com/Linux/9.52/en/keyboard.html
http://lifehacker.com/263940/force-links-to-open-in-the-background


PennyStockTweets ~ http://www.pennystocktweets.com/stocks/profile/GOVB


OTC Markets Company Info ~ http://www.otcmarkets.com/stock/GOVB/company-info
OTC Markets Charts ~ http://www.otcmarkets.com/stock/GOVB/chart
OTC Markets Quote ~ http://www.otcmarkets.com/stock/GOVB/quote
OTC Markets News ~ http://www.otcmarkets.com/stock/GOVB/news
OTC Markets Financials ~ http://www.otcmarkets.com/stock/GOVB/financials
OTC Markets Short Sales ~ http://www.otcmarkets.com/stock/GOVB/short-sales
OTC Markets Insider Disclosure ~ http://www.otcmarkets.com/stock/GOVB/insider-transactions
OTC Markets Research Reports ~ http://www.otcmarkets.com/stock/GOVB/research


Google Finance Summary ~ http://www.google.com/finance?q=GOVB
Google Finance News ~ http://www.google.com/finance/company_news?q=GOVB
Google Finance Option chain ~ http://www.google.com/finance/option_chain?q=GOVB
Google Finance Financials ~ http://www.google.com/finance?q=GOVB&fstype=ii#
Google Finance Historical prices Daily ~ http://www.google.com/finance/historical?q=GOVB
Google Finance Historical prices Weekly ~ http://www.google.com/finance/historical?q=GOVB&histperiod=weekly#


Y! < Company >
Y! Profile ~ http://finance.yahoo.com/q/pr?s=GOVB+Profile
Y! Key Stat's ~ http://finance.yahoo.com/q/ks?s=GOVB+Key+Statistics
Y! Headlines ~ http://finance.yahoo.com/q/h?s=GOVB+Headlines
Y! Summary ~ http://finance.yahoo.com/q?s=GOVB
Y! Historical Prices ~ http://finance.yahoo.com/q/hp?s=GOVB+Historical+Prices
Y! Order Book ~ http://finance.yahoo.com/q/ecn?s=GOVB+Order+Book
Y! Message Boards ~ http://messages.finance.yahoo.com/mb/GOVB
Y! Market Pulse ~ http://finance.yahoo.com/marketpulse/GOVB
Y! Technical Analysis ~ http://finance.yahoo.com/q/ta?s=GOVB+Basic+Tech.+Analysis
Y! < Analyst Coverage >
Y! Analyst Opinion ~ http://finance.yahoo.com/q/ao?s=GOVB+Analyst+Opinion
Y! Analyst Estimates ~ http://finance.yahoo.com/q/ae?s=GOVB+Analyst+Estimates
Y! Research Reports ~ http://finance.yahoo.com/q/rr?s=GOVB+Research+Reports
Y! Star Analysts ~ http://finance.yahoo.com/q/sa?s=GOVB+Star+Analysts
Y! < Ownership >
Y! Major Holders ~ http://finance.yahoo.com/q/mh?s=GOVB+Major+Holders
Y! Insider Transactions ~ http://finance.yahoo.com/q/it?s=GOVB+Insider+Transactions
Y! Insider Roster ~ http://finance.yahoo.com/q/ir?s=GOVB+Insider+Roster
Y! < Financials >
Y! Income Statement ~ http://finance.yahoo.com/q/is?s=GOVB+Income+Statement&annual
Y! Balance Sheet ~ http://finance.yahoo.com/q/bs?s=GOVB+Balance+Sheet&annual
Y! Cash Flow ~ http://finance.yahoo.com/q/cf?s=GOVB+Cash+Flow&annual


FINVIZ ~ http://finviz.com/quote.ashx?t=GOVB&ty=c&ta=0&p=d


Investorshub Trades ~ http://ih.advfn.com/p.php?pid=trades&symbol=GOVB
Investorshub Board Search ~ http://investorshub.advfn.com/boards/getboards.aspx?searchstr=GOVB
Investorshub PostStream ~ http://investorshub.advfn.com/boards/poststream.aspx?ticker=GOVB
Investorshub Messages ~ http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=GOVB
Investorshub Videos ~ http://ih.advfn.com/p.php?pid=ihvse&ihvqu=GOVB
Investorshub News ~ http://ih.advfn.com/p.php?pid=news&btn=s_ok&ctl00%24sb3%24tbq1=Get+Quote&as_values_IH=&ctl00%24sb3%24stb1=Search+iHub&symbol=GOVB&s_ok=OK&from_month=3&from_day=15&from_year=2012&order=desc&selsrc%5B%5D=prnca&selsrc%5B%5D=prnus&selsrc%5B%5D=zacks&selsrc%5B%5D=money2&selsrc%5B%5D=djn&selsrc%5B%5D=bw&selsrc%5B%5D=globe&selsrc%5B%5D=edgar&selsrc%5B%5D=mwus&force=1&last_ts=1331855999&p_n=1&p_count=&p_ts=1331794260


CandlestickChart ~ http://www.candlestickchart.com/cgi/chart.cgi?symbol=GOVB&exchange=US


Barchart Quote ~ http://barchart.com/quotes/stocks/GOVB?
Barchart Detailed Quote ~ http://barchart.com/detailedquote/stocks/GOVB
Barchart Options Quotes ~ http://barchart.com/options/stocks/GOVB
Barchart Technical Chart ~ http://barchart.com/charts/stocks/GOVB&style=technical
Barchart Interactive Chart ~ http://barchart.com/charts/stocks/GOVB&style=interactive
Barchart Technical Analysis ~ http://barchart.com/technicals/stocks/GOVB
Barchart Trader's Cheat Sheet ~ http://barchart.com/cheatsheet.php?sym=GOVB
Barchart Barchart Opinion ~ http://barchart.com/opinions/stocks/GOVB
Barchart Snapshot Opinion ~ http://barchart.com/snapopinion/stocks/GOVB
Barchart News Headlines ~ http://barchart.com/news/stocks/GOVB
Barchart Profile ~ http://barchart.com/profile//GOVB
Barchart Key Statistics ~ http://barchart.com/profile.php?sym=GOVB&view=key_statistics


OTC: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=GOVB&MarketTicker=OTC&TYP=S
NASDAQ: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=GOVB&MarketTicker=NASD&TYP=S
NYSE: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=GOVB&MarketTicker=NYSE&Typ=S


Marketwatch Profile ~ http://www.marketwatch.com/investing/stock/GOVB/profile
Marketwatch Analyst Estimates ~ http://www.marketwatch.com/investing/stock/GOVB/analystestimates
Marketwatch Historical Quotes ~ http://www.marketwatch.com/investing/stock/GOVB/historical
Marketwatch Financials ~ http://www.marketwatch.com/investing/stock/GOVB/financials
Marketwatch Overview ~ http://www.marketwatch.com/investing/stock/GOVB
Marketwatch SEC Filings ~ http://www.marketwatch.com/investing/stock/GOVB/secfilings
Marketwatch Picks ~ http://www.marketwatch.com/investing/stock/GOVB/picks
Marketwatch Hulbert ~ http://www.marketwatch.com/investing/stock/GOVB/hulbert
Marketwatch Insider Actions ~ http://www.marketwatch.com/investing/stock/GOVB/insideractions
Marketwatch Options ~ http://www.marketwatch.com/investing/stock/GOVB/options
Marketwatch Charts ~ http://www.marketwatch.com/investing/stock/GOVB/charts
Marketwatch News ~ http://bigcharts.marketwatch.com/news/symbolsearch/symbolnews.asp?news=markadv&symb=GOVB&sid=1795093&framed=False


The Lion ~ http://thelion.com/bin/aio_msg.cgi?cmd=search&msg=&si=1&tw=1&tt=1&rb=1&ih=1&fo=1&iv=1&yf=1&sa=1&fb=1&gg=1&symbol=GOVB


Search NYSE ~ http://www.nyse.com/about/listed/lcddata.html?ticker=GOVB


StockTA ~ http://www.stockta.com/cgi-bin/analysis.pl?symb=GOVB&num1=567&cobrand=&mode=stock


StockHouse ~ http://www.stockhouse.com/financialtools/sn_overview.aspx?qm_symbol=GOVB
StockHouse Delayed LII ~ http://www.stockhouse.com/financialtools/sn_level2.aspx?qm_page=46140&qm_symbol=GOVB


AlphaTrade ~ http://tools.alphatrade.com/index.php?t1=mc_quote_module&t2=mc_quote_module2&t3=historical&template=historical2html&sym=GOVB&client_id=2740&a_width=680&a_height=1000&language=english&showVol=1&chtype=8


Reuters ~ http://www.reuters.com/finance/stocks/companyOfficers?symbol=GOVB.PK&WTmodLOC=C4-Officers-5


StockWatch ~ http://www.stockwatch.com/Quote/Detail.aspx?symbol=GOVB®ion=U


Search NASDAQ ~ http://www.nasdaq.com/symbol/GOVB
NASDAQ Divy History ~ http://www.nasdaq.com/symbol/GOVB/dividend-history
NASDAQ Short Interest ~ http://www.nasdaq.com/symbol/GOVB/short-interest
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/GOVB/institutional-holdings
NASDAQ FlashQuotes ~ http://www.nasdaq.com/aspx/flashquotes.aspx?symbol=GOVB&selected=GOVB
NASDAQ InfoQuotes ~ http://www.nasdaq.com/aspx/infoquotes.aspx?symbol=GOVB&selected=GOVB
NASDAQ After Hours Quote ~ http://www.nasdaq.com/symbol/GOVB/after-hours
NASDAQ Pre-Market Quote ~ http://www.nasdaq.com/symbol/GOVB/premarket
NASDAQ Historical Quote ~ http://www.nasdaq.com/symbol/GOVB/historical
NASDAQ Option Chain ~ http://www.nasdaq.com/symbol/GOVB/option-chain
NASDAQ Company Headlines ~ http://www.nasdaq.com/symbol/GOVB/news-headlines
NASDAQ Press Releases ~ http://www.nasdaq.com/symbol/GOVB/news-headlines
NASDAQ Sentiment ~ http://www.nasdaq.com/symbol/GOVB/sentiment
NASDAQ Analyst Summary ~ http://www.nasdaq.com/symbol/GOVB/analyst-research
NASDAQ Guru Analysis~ http://www.nasdaq.com/symbol/GOVB/guru-analysis
NASDAQ Stock Report ~ http://www.nasdaq.com/symbol/GOVB/stock-report
NASDAQ Competitors ~ http://www.nasdaq.com/symbol/GOVB/competitors
NASDAQ Stock Consultant ~ http://www.nasdaq.com/symbol/GOVB/stock-consultant
NASDAQ Stock Comparison ~ http://www.nasdaq.com/symbol/GOVB/stock-comparison
NASDAQ Call Transcripts ~ http://www.nasdaq.com/symbol/GOVB/call-transcripts
NASDAQ Annual Reports ~ http://www.nasdaq.com/aspx/annualreport.aspx?symbol=GOVB&selected=GOVB
NASDAQ Financials ~ http://www.nasdaq.com/symbol/GOVB/financials
NASDAQ Revenue & Earnings Per Share (EPS) ~ http://www.nasdaq.com/symbol/GOVB/revenue-eps
NASDAQ SEC Filings ~ http://www.nasdaq.com/symbol/GOVB/sec-filings
NASDAQ Ownership Summary ~ http://www.nasdaq.com/symbol/GOVB/ownership-summary
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/GOVB/institutional-holdings
NASDAQ (SEC Form 4) ~
--------- All Trades ~ http://www.nasdaq.com/symbol/GOVB/insider-trades
--------- Buys ~ http://www.nasdaq.com/symbol/GOVB/insider-trades/buys
--------- Sells ~ http://www.nasdaq.com/symbol/GOVB/insider-trades/sells


The Motley Fool ~ http://caps.fool.com/Ticker/GOVB.aspx
The Motley Fool Earnings/Growth ~ http://caps.fool.com/Ticker/GOVB/EarningsGrowthRates.aspx?source=itxsittst0000001
The Motley Fool Ratios ~ http://caps.fool.com/Ticker/GOVB/Ratios.aspx?source=itxsittst0000001
The Motley Fool Stats ~ http://caps.fool.com/Ticker/GOVB/Stats.aspx?source=icasittab0000006
The Motley Fool Historical ~ http://caps.fool.com/Ticker/GOVB/Historical.aspx?source=icasittab0000004
The Motley Fool Scorecard ~ http://caps.fool.com/Ticker/GOVB/Scorecard.aspx?source=icasittab0000003
The Motley Fool Statements ~ http://caps.fool.com/Ticker/GOVB/Statements.aspx?source=icasittab0000009


MSN Money ~ http://investing.money.msn.com/investments/stock-ratings?symbol=GOVB


YCharts ~ http://ycharts.com/companies/GOVB
YCharts Performance ~ http://ycharts.com/companies/GOVB/performance
YCharts Dashboard ~ http://ycharts.com/companies/GOVB/dashboard


InsideStocks Opinion ~ http://www.insidestocks.com/texpert.asp?sym=GOVB&code=XDAILY
InsideStocks Profile ~ http://www.insidestocks.com/profile.asp?sym=GOVB&code=XDAILY
InsideStocks Quote ~ http://www.insidestocks.com/quote.asp?sym=GOVB&code=XDAILY
InsideStocks Projection ~ http://charts3.barchart.com/procal.asp?sym=GOVB


Zacks Quote ~ http://www.zacks.com/stock/quote/GOVB
Zacks Estimates ~ http://www.zacks.com/research/report.php?type=estimates&t=GOVB
Zacks Company Reports ~ http://www.zacks.com/research/report.php?type=report&t=GOVB


Knobias ~ http://knobias.10kwizard.com/files.php?sym=GOVB


StockScores ~ http://www.stockscores.com/quickreport.asp?ticker=GOVB


Trade-Ideas ~ http://www.trade-ideas.com/StockInfo/GOVB/HOT_TOPIC.html


Morningstar ~ http://performance.morningstar.com/stock/performance-return.action?region=USA&t=GOVB&culture=en-US
Morningstar Shareholders ~ http://investors.morningstar.com/ownership/shareholders-overview.html?t=GOVB®ion=USA&culture=en-us
Morningstar Transcripts~ http://www.morningstar.com/earnings/NoTranscript.aspx?t=GOVB®ion=USA
Morningstar Key Ratios ~ http://financials.morningstar.com/ratios/r.html?t=GOVB®ion=USA&culture=en-US
Morningstar Executive Compensation ~ http://insiders.morningstar.com/trading/executive-compensation.action?t=GOVB®ion=USA&culture=en-us
Morningstar Valuation ~ http://financials.morningstar.com/valuation/price-ratio.html?t=GOVB®ion=USA&culture=en-us


CCBN (Thompson Reuters) ~ http://ccbn.aol.com/company.asp?client=aol&ticker=GOVB


TradingMarkets ~ http://pr.tradingmarkets.com/?lid=leftPRbox&sym=GOVB


OTCBB ~ http://www.otcbb.com/asp/SiteSearch.asp?Criteria=GOVB&searcharea=e&image1.x=0&image1.y=0


Insidercow ~ http://www.insidercow.com/history/company.jsp?company=GOVB&B1=Search%21


Forbes News ~ http://search.forbes.com/search/find?tab=searchtabgeneraldark&MT=GOVB
Forbes Press Releases ~ http://search.forbes.com/search/find?&start=1&tab=searchtabgeneraldark&MT=GOVB&pub=businesswire,prnewswire&searchResults=pressRelease&tag=pr&premium=on
Forbes Web ~ http://search.forbes.com/search/web?MT=UNGS&start=1&max=10&searchResults=web&tag=web&sort=null


YouTube Symbol Search ~ http://www.youtube.com/results?search_query=GOVB


Buy-Ins ~ http://www.buyins.net/tools/symbol_stats.php?sym=GOVB


Quotemedia ~ http://www.quotemedia.com/results.php?qm_page=47556&qm_symbol=GOVB


Earnings Whispers ~ http://www.earningswhispers.com/stocks.asp?symbol=GOVB

Bloomberg Snapshot ~ http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?ticker=GOVB
Bloomberg People ~ http://investing.businessweek.com/research/stocks/people/people.asp?ticker=GOVB

Financial Times ~ http://markets.ft.com/Research/Markets/Tearsheets/Summary?s=GOVB

Investorpoint ~ http://www.investorpoint.com/ enter "GOVB" and click search.

Hotstocked ~ http://www.hotstocked.com/ enter "GOVB" and click search.

Raging Bull ~ http://ragingbull.quote.com/mboard/boards.cgi?board=GOVB

Hoovers ~ http://www.hoovers.com/search/company-search-results/100003765-1.html?type=company&term=GOVB

DD Machine ~ http://www.ddmachine.com/default.asp?m=stocktool_frame.asp?symbol=GOVB

SEC Form 4 ~ http://www.secform4.com/insider/showhistory.php?cik=GOVB

OTCBB Pulse ~ http://www.otcbbpulse.com/cgi-bin/pulsequote.cgi?symbol=GOVB

Failures To Deliver ~ http://failurestodeliver.com/default2.aspx enter "GOVB" and click search.

http://www.coordinatedlegal.com/SecretaryOfState.html

http://regsho.finra.org/regsho-Index.html

http://www.shortsqueeze.com/?symbol=GOVB&submit=Short+Quote%99



DTCC (PENSON/TDA) Check - (otc and pinks) - Note ~ I did not check for this chart blast. However, I try and help you to do so with the following links.
IHUB DTCC BOARD SEARCH #1 http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=GOVB
IHUB DTCC BOARD SEARCH #2: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=14482&srchyr=2011&SearchStr=GOVB
Check those searches for recent GOVB mentions. If GOVB is showing up on older posts and not on new posts found in link below, The DTCC issues may have been addressed and fixed. Always call the broker if your security turns up on any DTCC/PENSON list.
http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=Complete+list
For a complete list see the pinned threads at the top here ---> http://tinyurl.com/TWO-OLD-FARTS



MACDlinks

[Penny Roger$]

Gouverneur Bancorp Announces 2012 Fiscal Year Second Quarter and Six Months Results
GOUVERNEUR, N.Y., April 18, 2012 /PRNewswire/ -- Gouverneur


News prior to and or released on 04-18-2012


Bancorp, Inc. (OTC Bulletin Board: GOVB) (the "Company") and its subsidiary, Gouverneur Savings and Loan Association (the "Bank"), which operate on a fiscal year ending on September 30, today announced results for the...
Today 09:19 AM

http://www.prnewswire.com/news-releases/gouverneur-bancorp-announces-2012-fiscal-year-second-quarter-and-six-months-results-147916835.html

~ Now you can post your tweets to Twitter, Facebook & Ihub Boards ~ StockGoodies Plays of the Week & BB's Stock Haven All At The Same Time!!!
Are you using PennyStockTweets to it's full potential?
http://www.youtube.com/user/PennyStockTweets1/videos