You can not tell for sure but since I paint and have worked in watercolor (and hated it),, from what I can see it looks like a print !! There are many different types of prints,, not all have the telltale dots !!
I would suggest that you take it to a frame shop and let them remove it so you can look at it !! They will know which one it is and you can check for publishers info and then put it back with the original nails ect. !! Likely the dust cover if there is one needs replacing anyway !! Should cost about $10. !! It will not affect any possible value it may have !!
Another thing which you may not have thought about,, since Ferris sold reproduction rights on many works,,that would mean the purchaser could print them for as long as they wished !! So even if the original work was painted in 1895,, the print could have been made last year for all we know !!