secwatch.observer — SEC 8-K summary
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Issuer:     Gouverneur Bancorp, Inc./MD/ (GOVB)
CIK:        0001978811
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001978811-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Gouverneur Bancorp Q1 net income up 79% to $287K; EPS $0.28 vs $0.15
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- Net income $287K ($0.28 basic EPS) vs $160K ($0.15) year ago.
- Total assets $201.9M, up 1.7% from Sept. 30, 2025; deposits rose $3.7M to $158.5M.
- Net interest margin improved to 4.06% from 3.99% YoY; $13K provision for credit losses.
- Non-interest income increased $101K including $103K bank-owned life insurance death benefit.
- Book value $30.69 per share; declared $0.09/share dividend.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/0001978811-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/tmb-20260127x8k.htm
  HTML page:      https://secwatch.observer/filing/0001978811-26-000003

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