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.
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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.
Key Financial Metrics
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.
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
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001978811-26-000006 |
| Document: tmb-20260421x8k.htm | 0001978811-26-000006 |
| Document: 0001978811-26-000006-index-headers.html | 0001978811-26-000006 |
| Document: 0001978811-26-000006-index.html | 0001978811-26-000006 |
| Document: 0001978811-26-000006.txt | 0001978811-26-000006 |
| 8-K Data (Synthetic) | 0001978811-26-000006 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 30, 2026 12w ago | 8-K | $20.86 $21.20 | ▲ +1.63% | ▼ −1.09% | $21.19 (+1.58%) |
Apr 23, 2026 26w ago | 8-K | $17.91 $19.85 | ▲ +10.80% | ▲ +5.78% | $21.19 (+18.28%) |
US Market Status
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