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GOVB DRIP Calculator & Dividend Yield 2026
0.85% YieldFinancial ServicesGouverneur Bancorp, Inc. · OTC
Price: $21.20 · Annual div: $0.1800/share · Frequency: semi-annual · Payout ratio: 25% · Ex-div: 2026-11-02
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
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🎯 When GOVB pays your bills
Year your monthly dividend income covers each expense (based on current settings)
GOVB Dividend History — Last 52 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-11-02Latest | 2026-11-16 | $0.1000 | — | — |
| 2026-05-04 | 2026-05-18 | $0.0900 | 1.37% | $19.00 |
| 2025-11-03 | 2025-11-17 | $0.0900 | 1.79% | $14.00 |
| 2025-05-05 | 2025-05-19 | $0.0800 | 1.32% | $12.11 |
| 2024-11-04 | 2024-11-18 | $0.0800 | 0.71% | $11.25 |
| 2023-03-14 | 2023-03-31 | $0.1000 | 0.97% | $16.50 |
| 2022-09-14 | 2022-09-30 | $0.0600 | 1.00% | $15.94 |
| 2022-03-14 | 2022-03-31 | $0.1000 | 2.10% | $10.50 |
| 2021-09-14 | 2021-09-30 | $0.1200 | 2.46% | $9.75 |
| 2021-03-12 | 2021-03-31 | $0.1200 | 7.00% | $5.86 |
| 2020-09-14 | 2020-09-30 | $0.1200 | — | — |
| 2020-03-13 | 2020-03-31 | $0.1700 | — | — |
| 2019-09-13 | 2019-09-30 | $0.1700 | — | — |
| 2019-03-14 | 2019-03-29 | $0.1700 | — | — |
| 2018-09-13 | 2018-09-28 | $0.1700 | — | — |
| 2018-03-14 | 2018-03-30 | $0.1700 | — | — |
| 2017-09-14 | 2017-09-29 | $0.1700 | — | — |
| 2017-03-13 | 2017-03-31 | $0.1700 | — | — |
| 2016-09-13 | 2016-09-30 | $0.1700 | — | — |
| 2016-03-11 | 2016-03-31 | $0.1700 | — | — |
| 2015-09-11 | 2015-09-30 | $0.1700 | — | — |
| 2015-03-11 | 2015-03-31 | $0.1700 | — | — |
| 2014-09-11 | 2014-09-30 | $0.1700 | — | — |
| 2014-03-12 | 2014-03-31 | $0.1700 | — | — |
| 2013-09-11 | 2013-09-30 | $0.1700 | — | — |
| 2013-03-13 | 2013-03-29 | $0.1700 | — | — |
| 2012-09-12 | 2012-09-30 | $0.1700 | — | — |
| 2012-03-13 | 2012-03-31 | $0.1700 | — | — |
| 2011-09-14 | 2011-09-30 | $0.1700 | — | — |
| 2011-03-11 | 2011-03-31 | $0.1700 | — | — |
| 2010-09-13 | 2010-09-30 | $0.1700 | — | — |
| 2010-03-11 | 2010-03-31 | $0.1700 | — | — |
| 2009-09-11 | 2009-09-30 | $0.1700 | — | — |
| 2009-03-11 | 2009-03-31 | $0.1700 | — | — |
| 2008-09-11 | 2008-09-30 | $0.1600 | — | — |
| 2008-03-12 | 2008-03-31 | $0.1600 | — | — |
| 2007-09-12 | 2007-09-30 | $0.1600 | — | — |
| 2007-03-13 | 2007-03-31 | $0.1600 | — | — |
| 2006-09-13 | 2006-09-30 | $0.1500 | — | — |
| 2006-03-13 | 2006-03-31 | $0.1500 | — | — |
| 2005-09-13 | 2005-09-30 | $0.1400 | — | — |
| 2005-03-11 | 2005-03-31 | $0.1400 | — | — |
| 2004-09-13 | 2004-09-30 | $0.1300 | — | — |
| 2004-03-11 | 2004-03-31 | $0.1300 | — | — |
| 2003-09-11 | 2003-09-29 | $0.1300 | — | — |
| 2003-03-12 | 2003-03-31 | $0.1300 | — | — |
| 2002-09-11 | 2002-09-30 | $0.1200 | — | — |
| 2002-03-13 | 2002-03-29 | $0.1000 | — | — |
| 2001-09-12 | 2001-09-30 | $0.0900 | — | — |
| 2001-03-13 | 2001-03-30 | $0.0700 | — | — |
| 2000-08-30 | 2000-09-15 | $0.0600 | — | — |
| 2000-03-13 | 2000-03-23 | $0.0500 | — | — |
About Gouverneur Bancorp, Inc. (GOVB) — Dividend Analysis 2026
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.
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🌍 GOVB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold GOVB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.85% | -1.95% | $85 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.72% | -2.08% | $72 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.68% | -2.12% | $68 / yr |
| 🇬🇧 UK ISA | 0% | 0.85% | -1.95% | $85 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.78% | -2.02% | $78 / yr |
| 🇨🇦 TFSA | 0% | 0.85% | -1.95% | $85 / yr |
| 🇨🇦 CA Taxable | 25% | 0.64% | -2.16% | $64 / yr |
| 🇦🇺 Super (pension) | 15% | 0.72% | -2.08% | $72 / yr |
| 🇦🇺 AU Taxable | 30% | 0.59% | -2.21% | $59 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.63% | -2.17% | $63 / yr |
| 🇫🇷 FR Taxable | 30% | 0.59% | -2.21% | $59 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 GOVB Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.18/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 GOVB Dividend Payment Schedule
GOVB pays quarterly — 4 times per year. Ex-div: 2026-11-02.
📊 GOVB vs Financial Services Benchmarks
How GOVB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for GOVB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ GOVB Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-08-07 | 542 | $12.20 | $6.6K | ||
| W-Will | 2026-02-06 | 60 | — | — | ||
| M-Exempt | 2026-08-07 | 542 | $12.20 | $6.6K | ||
| Buy | 2026-05-15 | 100 | $18.94 | $1.9K | ||
| Buy | 2026-05-01 | 750 | $19.00 | $14.3K | ||
| M-Exempt | 2026-04-24 | 542 | $12.20 | $6.6K | ||
| M-Exempt | 2026-04-24 | 542 | $12.20 | $6.6K | ||
| M-Exempt | 2026-03-09 | 200 | $12.20 | $2.4K | ||
| M-Exempt | 2026-03-09 | 200 | $12.20 | $2.4K | ||
| A-Award | 2026-03-02 | 2,708 | $17.65 | $47.8K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Peer Group
Similar companies in the same sectorCompare GOVB with peers: GOVB vs CARV · GOVB vs EBSH · GOVB vs FIDS
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the GOVB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Gouverneur Bancorp, Inc. (GOVB) is currently trading at $21.20, 9% below its 52-week high. The current dividend yield is 0.85% based on an annual payout of $0.1800 per share.
GOVB (Gouverneur Bancorp, Inc.) — 0.85% Dividend Yield Analysis
Gouverneur Bancorp, Inc. (GOVB) is a financial services stock currently trading at $21.20 with a dividend yield of 0.85%. It pays an annual dividend of $0.1800 per share. The payout ratio of 25% suggests the dividend is well-covered by earnings. Over the past 5 years, GOVB's dividend has declined at an average rate of 2.4% a year.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest GOVB News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.
How investors use the GOVB dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.