---
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"
generated_at: "2026-05-15T04:39:22.738513+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Gouverneur Bancorp Q2 net income $217K ($0.21/sh), up 84% YoY; net interest margin expands to 4.22%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1978811/000197881126000006/0001978811-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/tmb-20260421x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001978811-26-000006
- JSON: https://secwatch.observer/filing/0001978811-26-000006.json
- Plain text: https://secwatch.observer/filing/0001978811-26-000006.txt

## Key facts
- Earnings Releases
  Gouverneur Bancorp, Inc./MD/ reported the quarter ended March 31, 2026 results: net income $217,000, EPS $0.21 per basic and diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $217,000
  - EPS: $0.21 per basic and diluted share
  - Result: reported results
  source text: The Company reported net income of $217,000, or $0.21 per basic and diluted share, for the quarter ended March 31, 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/0001978811-26-000006-index.htm
- Earnings Releases
  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.
  - Period: the six months ended March 31, 2026
  - Net income: $504,000
  - EPS: $0.49 per basic and diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000006/0001978811-26-000006-index.htm

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