Gouverneur Bancorp Q1 net income $160k ($0.15 EPS) vs $118k ($0.11) YoY

Gouverneur Bancorp, Inc./MD/

2025-Q1 EPS reported $0.15

Net income $160k ($0.15 diluted EPS) vs $118k ($0.11) in prior-year quarter.
Net interest spread narrowed to 3.78% from 3.84%; interest expense rose 23.8% to $401k.
Provision for credit loss decreased to $15k from $70k YoY.
Shareholders' equity fell 3.1% to $31.7M due to $1.1M AOCI decline from securities market value.
Book value per share decreased to $28.68 from $29.59 at Sept 30.

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