secwatch.observer — SEC 8-K summary
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Issuer:     Gouverneur Bancorp, Inc./MD/ (GOVB)
CIK:        0001978811
Form:       8-K
Filed at:   2025-10-31T23:59:59+00:00
Accession:  0001978811-25-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 5.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/0001978811-25-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/tmb-20251030x8k.htm
  HTML page:      https://secwatch.observer/filing/0001978811-25-000003

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