GOVB Gouverneur Bancorp, Inc./MD/

BULLISH Impact: 7/10 8-K
Horizon weeks Filed Apr 23, 2026 Processed 1mo ago SEC 0001978811-26-000006
8-K Item 2.02: Earnings release
Latest settled — T+20d
GOVB ▲ +6.06% at T+20d
LONG call ✓ call won +6.06% · α vs SPY +1.42% · entry $17.91 → $19.00
Next anchor: T+60d in 5w
Currently $19.25 · +7.45% from $17.91 entry
Entry anchored
Apr 23, 2026
via day open
T+1d
+0.48%
call +0.48% · α -0.31%
$18.00
settled 7w ago
T+5d
+0.48%
call +0.48% · α -1.00%
$18.00
settled 6w ago
T+20d
+6.06%
call +6.06% · α +1.42%
$19.00
settled 23d ago
T+60d
—
call — · α —
—
in 5w

Price Chart

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Executive Summary

Gouverneur Bancorp reported Q2 2026 net income of $217,000 ($0.21 per share), up from $118,000 ($0.11) in the same quarter last year. Net interest margin improved to 4.22% from 4.06% year-over-year, driven by higher loan income and lower deposit interest expense.

Actionable Insight

The significant year-over-year earnings growth and margin expansion suggest improving profitability; monitor upcoming quarters for sustained momentum in loan growth and interest rate spread performance.

Key Facts

  • Q2 2026 net income: $217,000 ($0.21/share) vs. $118,000 ($0.11/share) in Q2 2025
  • Net interest margin increased to 4.22% from 4.06% in the prior-year quarter
  • Total interest income rose $87,000 (4.07%) year-over-year, driven by loan growth
  • Interest expense on deposits decreased $51,000 due to lower retail rates
  • No consensus estimates were available for comparison

Financial Impact

Net income nearly doubled year-over-year, with net interest margin expansion and declining deposit costs driving performance.

net incomeEPSnet interest margininterest expense

Risk Factors

  • Provision for credit losses increased to $5,000 from $0 in the prior-year quarter
  • Dependence on interest rate environment for net interest margin sustainability

Market Snapshot

Exchange
OTC
Sector
Savings Institutions, Not Federally Chartered

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0001978811-26-000006
Document: tmb-20260421x8k.htm0001978811-26-000006
Document: 0001978811-26-000006-index-headers.html0001978811-26-000006
Document: 0001978811-26-000006-index.html0001978811-26-000006
Document: 0001978811-26-000006.txt0001978811-26-000006
8-K Data (Synthetic)0001978811-26-000006

US Market Status

Market Closed — Opens Mon (49h 12m)

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