---
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"
generated_at: "2026-05-27T08:35:00.389950+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-006567
- JSON: https://secwatch.observer/filing/0001104659-25-006567.json
- Plain text: https://secwatch.observer/filing/0001104659-25-006567.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.