HANOVER BANCORP INC (HNVR) Stock Fundamental Analysis

NASDAQ:HNVR • US4107091096

20.68 USD
-1.07 (-4.92%)
Last: Feb 27, 2026, 08:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to HNVR. HNVR was compared to 379 industry peers in the Banks industry. While HNVR seems to be doing ok healthwise, there are quite some concerns on its profitability. HNVR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year HNVR was profitable.
  • In the past year HNVR had a positive cash flow from operations.
HNVR Yearly Net Income VS EBIT VS OCF VS FCFHNVR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • With a Return On Assets value of 0.47%, HNVR is not doing good in the industry: 80.21% of the companies in the same industry are doing better.
  • The Return On Equity of HNVR (5.47%) is worse than 74.41% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.47%
ROIC N/A
ROA(3y)0.5%
ROA(5y)N/A
ROE(3y)5.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HNVR Yearly ROA, ROE, ROICHNVR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of HNVR (15.18%) is worse than 77.57% of its industry peers.
  • HNVR's Profit Margin has declined in the last couple of years.
  • HNVR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-31.88%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HNVR Yearly Profit, Operating, Gross MarginsHNVR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • HNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HNVR has a better debt/assets ratio than last year.
HNVR Yearly Shares OutstandingHNVR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2M 4M 6M
HNVR Yearly Total Debt VS Total AssetsHNVR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • HNVR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 3.93
Altman-Z N/A
ROIC/WACCN/A
WACC23.48%
HNVR Yearly LT Debt VS Equity VS FCFHNVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HNVR Yearly Current Assets VS Current LiabilitesHNVR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for HNVR have decreased strongly by -18.67% in the last year.
  • The earnings per share for HNVR have been decreasing by -35.19% on average. This is quite bad
  • HNVR shows a small growth in Revenue. In the last year, the Revenue has grown by 7.14%.
  • HNVR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
EPS 1Y (TTM)-18.67%
EPS 3Y-35.19%
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y1.5%
Revenue growth 5YN/A
Sales Q2Q%14.64%

3.2 Future

  • Based on estimates for the next years, HNVR will show a very strong growth in Earnings Per Share. The EPS will grow by 51.38% on average per year.
  • Based on estimates for the next years, HNVR will show a quite strong growth in Revenue. The Revenue will grow by 18.37% on average per year.
EPS Next Y107.25%
EPS Next 2Y51.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.72%
Revenue Next 2Y18.37%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HNVR Yearly Revenue VS EstimatesHNVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
HNVR Yearly EPS VS EstimatesHNVR Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.32, HNVR is valued correctly.
  • Based on the Price/Earnings ratio, HNVR is valued a bit more expensive than the industry average as 74.93% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, HNVR is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 7.39 indicates a rather cheap valuation of HNVR.
  • HNVR's Price/Forward Earnings ratio is rather cheap when compared to the industry. HNVR is cheaper than 93.40% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of HNVR to the average of the S&P500 Index (28.06), we can say HNVR is valued rather cheaply.
Industry RankSector Rank
PE 15.32
Fwd PE 7.39
HNVR Price Earnings VS Forward Price EarningsHNVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 77.31% of the companies in the same industry are cheaper than HNVR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.37
EV/EBITDA N/A
HNVR Per share dataHNVR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as HNVR's earnings are expected to grow with 51.38% in the coming years.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y51.38%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • HNVR has a Yearly Dividend Yield of 1.82%.
  • HNVR's Dividend Yield is slightly below the industry average, which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.80, HNVR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.82%

5.2 History

  • HNVR has been paying a dividend for over 5 years, so it has already some track record.
  • HNVR has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
HNVR Yearly Dividends per shareHNVR Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • HNVR pays out 27.07% of its income as dividend. This is a sustainable payout ratio.
DP27.07%
EPS Next 2Y51.38%
EPS Next 3YN/A
HNVR Yearly Income VS Free CF VS DividendHNVR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 2025 5M 10M 15M 20M
HNVR Dividend Payout.HNVR Dividend Payout, showing the Payout Ratio.HNVR Dividend Payout.PayoutRetained Earnings

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HANOVER BANCORP INC

NASDAQ:HNVR (2/27/2026, 8:08:47 PM)

20.68

-1.07 (-4.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)N/A
Inst Owners28.05%
Inst Owner Change-1.51%
Ins Owners24.85%
Ins Owner Change2.04%
Market Cap153.24M
Revenue(TTM)73.32M
Net Income(TTM)11.04M
Analysts77.78
Price Target24.82 (20.02%)
Short Float %1.24%
Short Ratio3.51
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP27.07%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-22.79%
Min EPS beat(2)-40.91%
Max EPS beat(2)-4.66%
EPS beat(4)2
Avg EPS beat(4)-6.46%
Min EPS beat(4)-40.91%
Max EPS beat(4)13.52%
EPS beat(8)5
Avg EPS beat(8)-5.48%
EPS beat(12)7
Avg EPS beat(12)-5.33%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.14%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-3.71%
Revenue beat(4)1
Avg Revenue beat(4)-2.12%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)1%
Revenue beat(8)1
Avg Revenue beat(8)-3.07%
Revenue beat(12)3
Avg Revenue beat(12)-1.31%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.68%
PT rev (3m)2.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.28%
EPS NY rev (1m)-2.37%
EPS NY rev (3m)-2.95%
Revenue NQ rev (1m)2.2%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)3.31%
Revenue NY rev (3m)10.13%
Valuation
Industry RankSector Rank
PE 15.32
Fwd PE 7.39
P/S 2.11
P/FCF 24.37
P/OCF 24.98
P/B 0.76
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)1.35
EY6.53%
EPS(NY)2.8
Fwd EY13.53%
FCF(TTM)0.85
FCFY4.1%
OCF(TTM)0.83
OCFY4%
SpS9.81
BVpS27.24
TBVpS24.62
PEG (NY)0.14
PEG (5Y)N/A
Graham Number28.76
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.18%
GM N/A
FCFM 8.65%
ROA(3y)0.5%
ROA(5y)N/A
ROE(3y)5.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-31.88%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 3.93
Debt/EBITDA N/A
Cap/Depr 20.56%
Cap/Sales 0.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 56.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.48%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.67%
EPS 3Y-35.19%
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y107.25%
EPS Next 2Y51.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.14%
Revenue growth 3Y1.5%
Revenue growth 5YN/A
Sales Q2Q%14.64%
Revenue Next Year29.72%
Revenue Next 2Y18.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y193.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y179.45%
OCF growth 3YN/A
OCF growth 5YN/A

HANOVER BANCORP INC / HNVR FAQ

Can you provide the ChartMill fundamental rating for HANOVER BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to HNVR.


What is the valuation status of HANOVER BANCORP INC (HNVR) stock?

ChartMill assigns a valuation rating of 5 / 10 to HANOVER BANCORP INC (HNVR). This can be considered as Fairly Valued.


Can you provide the profitability details for HANOVER BANCORP INC?

HANOVER BANCORP INC (HNVR) has a profitability rating of 1 / 10.


Can you provide the financial health for HNVR stock?

The financial health rating of HANOVER BANCORP INC (HNVR) is 4 / 10.


Is the dividend of HANOVER BANCORP INC sustainable?

The dividend rating of HANOVER BANCORP INC (HNVR) is 3 / 10 and the dividend payout ratio is 27.07%.