---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-069579"
form_type: "8-K"
ticker: "GOVB"
cik: "0001978811"
company_name: "Gouverneur Bancorp, Inc./MD/"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:36:04.001144+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Gouverneur Bancorp Q3 net income $217K ($0.22 EPS), up from $183K ($0.17 EPS) YoY

## Summary
- Net income for Q3 June 30, 2025: $217,000 ($0.22 basic EPS) vs $183,000 ($0.17) prior year.
- Nine-month net income: $495,000 ($0.48 EPS) vs $403,000 ($0.38) prior year.
- Net interest margin improved to 4.15% for Q3 from 4.03% a year ago.
- Total assets $196.7M at June 30, 2025, down 0.27% from Sept 30, 2024.
- Book value per share $29.74, up from $29.59; dividends declared $0.16 per share for nine months.

## SEC filing metadata
- accession: 0001104659-25-069579
- form_type: 8-K
- ticker: GOVB
- cik: 0001978811
- company_name: Gouverneur Bancorp, Inc./MD/
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1978811/000110465925069579/0001104659-25-069579-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1978811/000110465925069579/tm2521407d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-069579
- JSON: https://secwatch.observer/filing/0001104659-25-069579.json
- Plain text: https://secwatch.observer/filing/0001104659-25-069579.txt

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