secwatch.observer — SEC 8-K summary
======================================

Issuer:     Gouverneur Bancorp, Inc./MD/ (GOVB)
CIK:        0001978811
Form:       8-K
Filed at:   2025-01-28T23:59:59+00:00
Accession:  0001104659-25-006567
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1978811/000110465925006567/0001104659-25-006567-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1978811/000110465925006567/tm254624d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-006567

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer