Gouverneur Bancorp, Inc./MD/
Gouverneur Bancorp is a savings and loan holding company headquartered in Gouverneur, New York. Its wholly owned subsidiary, Gouverneur Savings and Loan Association, provides community banking services to individuals, families and businesses through four full-service branches and one loan production office in Jefferson and St. Lawrence Counties. The Bank’s primary lending activity is originating one- to four-family residential mortgages; it also makes commercial real estate, construction, home equity, commercial and consumer loans, and offers checking, savings, money market, certificate and retirement deposit accounts. Gouverneur Bancorp’s banking business earns money primarily from interest on loans and, to a lesser extent, interest on investment securities and mortgage-backed securities. Other income comes from deposit fees and service charges and gains on sales of securities, loans and other real estate owned. The Bank also operates GS&L Municipal Bank, a limited-purpose subsidiary that accepts deposits from New York State and local governments and their related entities.
No SEC Form 4 filings for $GOVB in the last 30 days.
See all $GOVB insider activity →Gouverneur Bancorp reported a fiscal 2026 net loss of $2.3 million, or $2.25 per diluted share, but adjusted net income was $984,000, with adjusted EPS of $0.95. The company completed a balance sheet restructuring to lower funding costs and improve asset yields, and saw increased interest income. Total assets were $191.7 million at fiscal year-end.
Gouverneur Bancorp, Inc./MD/ (GOVB) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 Gouverneur Bancorp, Inc. Announces Fiscal 2026 Fourth Quarter and Fiscal Year Results Gouverneur, New York, October 28, 2026: Gouverneur Bancorp, Inc. (OTCQB: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), today
Gouverneur Bancorp (GOVB) reported a Q4 FY26 net loss of $3.1M, down from a $238K profit YoY, and a FY26 net loss of $2.3M, down from a $733K profit. The losses were driven by ~$4.0M pretax losses from securities and loan participation sales in a balance sheet restructuring.
Over the past 7 days, AlphAI's AI scored 3 news stories mentioning GOVB (Gouverneur Bancorp, Inc./MD/). Coverage has skewed bearish: 0 bullish, 0 neutral, and 3 bearish.
Recent GOVB coverage spans earnings, financial news and corporate actions.
The loss and weak earnings suggest downward pressure on the stock.
Quarterly loss and balance‑sheet restructuring suggest near‑term downside pressure.
The loss signals short‑term earnings weakness and may pressure the stock.
The dividend hike may attract income‑focused investors, modestly supporting the stock.
The filing shows modest profitability improvement and stable balance-sheet size, but with a deterioration in nonaccrual/problem-loan metrics.
AlphAI scores every news story that mentions GOVB with an AI model for sentiment and relevance, and aggregates insider trades from Gouverneur Bancorp, Inc./MD/'s SEC EDGAR Form 4 filings. Figures refresh continuously.
Gouverneur Bancorp reported a fiscal 2026 net loss of $2.3 million, or $2.25 per diluted share, but adjusted net income was $984,000, with adjusted EPS of $0.95. The company completed a balance sheet restructuring to lower funding costs and improve asset yields, and saw increased interest income. Total assets were $191.7 million at fiscal year-end.
1 min readGouverneur Bancorp, Inc./MD/ (GOVB) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 Gouverneur Bancorp, Inc. Announces Fiscal 2026 Fourth Quarter and Fiscal Year Results Gouverneur, New York, October 28, 2026: Gouverneur Bancorp, Inc. (OTCQB: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), today
2 min readGouverneur Bancorp (GOVB) reported a Q4 FY26 net loss of $3.1M, down from a $238K profit YoY, and a FY26 net loss of $2.3M, down from a $733K profit. The losses were driven by ~$4.0M pretax losses from securities and loan participation sales in a balance sheet restructuring.
1 min readGouverneur Bancorp (GOVB) announced an 11.1% increase in its semi-annual dividend to $0.10 per share. The dividend is payable on November 16 to shareholders of record on November 2, with an ex-dividend date of November 2. The forward yield is 0.96%.
1 min readGouverneur Bancorp, Inc. (GOVB) reported net income of $743,000 for the nine months ended June 30, 2026, up from $495,000 a year earlier. Total assets were $198.7 million, deposits $155.7 million, and net loans $135.3 million. Net interest income was $5.5 million. Credit quality was generally stable, with a $1.13 million allowance and $1.35 million nonaccrual real estate loans.
4 min readGouverneur Bancorp, Inc./MD/ (GOVB) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 Gouverneur Bancorp, Inc. Announces Fiscal 2026 Third Quarter and Nine Months Results and Strategic Balance Sheet Optimization Gouverneur, New York, July 29, 2026: Gouverneur Bancorp, Inc. (OTCQB: GOVB) (the “Company”), the holding company for Gouverneur Savings and
6 min readGOUVERNEUR, N.Y., April 23, 2025 ( GLOBE NEWSWIRE ) -- Gouverneur Bancorp, Inc. ( OTCQB: GOVB ) ( the "Company" ) , the holding company for Gouverneur Savings and Loan Association ( the "Bank" ) , today announced the Company's results for the second quarter and six months of fiscal year 2025, ...
2 min readGOUVERNEUR, N.Y., April 21, 2025 ( GLOBE NEWSWIRE ) -- Gouverneur Bancorp, Inc. ( OTCQB Marketplace: GOVB ) ( the "Company" ) , the holding company for Gouverneur Savings and Loan Association ( the "Bank" ) , announced today that its Board of Directors has declared a semi-annual cash dividend of ...
2 min readGOUVERNEUR, N.Y., April 21, 2025 ( GLOBE NEWSWIRE ) -- Gouverneur Bancorp, Inc. ( OTCQB Marketplace: GOVB ) ( the "Company" ) , the holding company for Gouverneur Savings and Loan Association ( the "Bank" ) , announced today that its Board of Directors has declared a semi-annual cash dividend of ...
2 min read
