---
schema_version: "secwatch.filing_event.v1"
accession: "0001978811-25-000003"
form_type: "8-K"
ticker: "GOVB"
cik: "0001978811"
company_name: "Gouverneur Bancorp, Inc./MD/"
filed_at: "2025-10-31T23:59:59+00:00"
generated_at: "2026-05-17T01:09:25.801226+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Gouverneur Bancorp Q4 net income $238K, up 75% YoY; full-year EPS $0.72

## Summary
- Q4 net income $238K ($0.24 EPS) vs $136K ($0.13 EPS) YoY; full-year net income $733K ($0.72 EPS) vs $539K ($0.51 EPS).
- Net interest margin improved to 4.12% for Q4 from 4.04% a year ago; full-year NIM 4.08% vs 4.03%.
- Total assets $198.5M, up 0.64% YoY; net loans increased 5.83% to $131.5M; deposits decreased 3.2% to $154.8M.
- Company entered change in control agreements with CEO, CFO, COO providing 2x salary/bonus upon termination after change in control.

## SEC filing metadata
- accession: 0001978811-25-000003
- form_type: 8-K
- ticker: GOVB
- cik: 0001978811
- company_name: Gouverneur Bancorp, Inc./MD/
- filed_at: 2025-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/0001978811-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/tmb-20251030x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001978811-25-000003
- JSON: https://secwatch.observer/filing/0001978811-25-000003.json
- Plain text: https://secwatch.observer/filing/0001978811-25-000003.txt

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