{"schema_version":"secwatch.filing_event.v1","accession":"0001978811-26-000006","form_type":"8-K","ticker":"GOVB","cik":"0001978811","company_name":"Gouverneur Bancorp, Inc./MD/","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.346042+00:00","generated_at":"2026-05-15T04:39:22.738513+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Gouverneur Bancorp Q2 net income $217K ($0.21/sh), up 84% YoY; net interest margin expands to 4.22%","bullets":["Net income $217K ($0.21 diluted EPS) for Q2 FY2026, vs $118K ($0.11) a year ago.","Six-month net income $504K ($0.49) vs $278K ($0.27) in prior year.","Net interest margin improved to 4.22% from 4.06% for the quarter.","Deposits grew $5.2M to $160.0M; FHLB advances reduced from $7M to $1M.","Book value per share $30.86 vs $30.55 at Sept 30, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001978811-26-000006","json":"https://secwatch.observer/filing/0001978811-26-000006.json","markdown":"https://secwatch.observer/filing/0001978811-26-000006.md","text":"https://secwatch.observer/filing/0001978811-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/0001978811-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/tmb-20260421x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:39:22.738513+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"5e32b003d89237647ef0b65665ce395700b4c1b3","claim":"Gouverneur Bancorp, Inc./MD/ reported the quarter ended March 31, 2026 results: net income $217,000, EPS $0.21 per basic and diluted share.","evidence_excerpt":"The Company reported net income of $217,000, or $0.21 per basic and diluted share, for the quarter ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/0001978811-26-000006-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$217,000"},{"label":"EPS","value":"$0.21 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b3b9164fc45f0ec3dd509489680b43fe84f3774c","claim":"Gouverneur Bancorp, Inc./MD/ reported the six months ended March 31, 2026 results: net income $504,000, EPS $0.49 per basic and diluted share.","evidence_excerpt":"The Company also reported net income of $504,000, or $0.49 per basic and diluted share, for the six months ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/0001978811-26-000006-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended March 31, 2026"},{"label":"Net income","value":"$504,000"},{"label":"EPS","value":"$0.49 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}