{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-006567","form_type":"8-K","ticker":"GOVB","cik":"0001978811","company_name":"Gouverneur Bancorp, Inc./MD/","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.704750+00:00","generated_at":"2026-05-27T08:35:00.389950+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Gouverneur Bancorp Q1 net income $160k ($0.15 EPS) vs $118k ($0.11) YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-006567","json":"https://secwatch.observer/filing/0001104659-25-006567.json","markdown":"https://secwatch.observer/filing/0001104659-25-006567.md","text":"https://secwatch.observer/filing/0001104659-25-006567.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1978811/000110465925006567/0001104659-25-006567-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1978811/000110465925006567/tm254624d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:35:00.389950+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}