Logo image of HNVR

HANOVER BANCORP INC (HNVR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:HNVR - US4107091096 - Common Stock

21.85 USD
+0.19 (+0.88%)
Last: 11/21/2025, 8:00:02 PM
22.3 USD
+0.45 (+2.06%)
After Hours: 11/14/2025, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, HNVR scores 3 out of 10 in our fundamental rating. HNVR was compared to 388 industry peers in the Banks industry. HNVR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HNVR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

HNVR had positive earnings in the past year.
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 5M 10M 15M 20M 25M

1.2 Ratios

HNVR has a Return On Assets of 0.48%. This is in the lower half of the industry: HNVR underperforms 78.35% of its industry peers.
HNVR has a worse Return On Equity (5.56%) than 75.00% of its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 5.56%
ROIC N/A
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.02%
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 2 4 6 8 10

1.3 Margins

HNVR's Profit Margin of 15.42% is on the low side compared to the rest of the industry. HNVR is outperformed by 76.55% of its industry peers.
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) 15.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
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 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

HNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HNVR has been reduced compared to 1 year ago.
The debt/assets ratio for HNVR has been reduced compared to a year ago.
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 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 4.18
Altman-Z N/A
ROIC/WACCN/A
WACC23.35%
HNVR Yearly LT Debt VS Equity VS FCFHNVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 50M 100M 150M

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 10M 20M 30M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.43% over the past year.
The Revenue has grown by 8.04% in the past year. This is quite good.
EPS 1Y (TTM)15.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2.08%
Revenue 1Y (TTM)8.04%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.19%

3.2 Future

The Earnings Per Share is expected to grow by 23.29% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 16.34% on average over the next years. This is quite good.
EPS Next Y14.9%
EPS Next 2Y31.78%
EPS Next 3Y23.29%
EPS Next 5YN/A
Revenue Next Year15.53%
Revenue Next 2Y16.34%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

HNVR Yearly Revenue VS EstimatesHNVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 20M 40M 60M
HNVR Yearly EPS VS EstimatesHNVR Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.68, the valuation of HNVR can be described as reasonable.
HNVR's Price/Earnings ratio is in line with the industry average.
HNVR is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.58, the valuation of HNVR can be described as very cheap.
Based on the Price/Forward Earnings ratio, HNVR is valued cheaper than 85.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, HNVR is valued rather cheaply.
Industry RankSector Rank
PE 11.68
Fwd PE 7.58
HNVR Price Earnings VS Forward Price EarningsHNVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HNVR indicates a slightly more expensive valuation: HNVR is more expensive than 76.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 26.69
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 23.29% in the coming years.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y31.78%
EPS Next 3Y23.29%

More info and screens

2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.79%, HNVR has a reasonable but not impressive dividend return.
HNVR's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to the average S&P500 Dividend Yield of 2.45, HNVR is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.79%

5.2 History

HNVR has paid a dividend for less than 5 years, so there is no long track record yet.
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 0 0 0 0 0

5.3 Sustainability

26.92% of the earnings are spent on dividend by HNVR. This is a low number and sustainable payout ratio.
DP26.92%
EPS Next 2Y31.78%
EPS Next 3Y23.29%
HNVR Yearly Income VS Free CF VS DividendHNVR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 5M 10M 15M 20M
HNVR Dividend Payout.HNVR Dividend Payout, showing the Payout Ratio.HNVR Dividend Payout.PayoutRetained Earnings

More info and screens

HANOVER BANCORP INC

NASDAQ:HNVR (11/21/2025, 8:00:02 PM)

After market: 22.3 +0.45 (+2.06%)

21.85

+0.19 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)N/A N/A
Inst Owners26.09%
Inst Owner Change9.48%
Ins Owners24.78%
Ins Owner Change-0.04%
Market Cap157.76M
Revenue(TTM)68.43M
Net Income(TTM)11.07M
Analysts77.78
Price Target24.31 (11.26%)
Short Float %1.78%
Short Ratio5.29
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP26.92%
Div Incr Years0
Div Non Decr Years2
Ex-Date11-13 2025-11-13 (0.1)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-13.69%
Min EPS beat(2)-40.91%
Max EPS beat(2)13.52%
EPS beat(4)3
Avg EPS beat(4)-2.94%
Min EPS beat(4)-40.91%
Max EPS beat(4)13.52%
EPS beat(8)6
Avg EPS beat(8)-1.56%
EPS beat(12)7
Avg EPS beat(12)-5%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.79%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)1%
Revenue beat(4)1
Avg Revenue beat(4)-1.95%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)1%
Revenue beat(8)2
Avg Revenue beat(8)-2.17%
Revenue beat(12)4
Avg Revenue beat(12)-0.11%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.06%
EPS NY rev (1m)-1.92%
EPS NY rev (3m)-20.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.08%
Valuation
Industry RankSector Rank
PE 11.68
Fwd PE 7.58
P/S 2.2
P/FCF 26.69
P/OCF 27.34
P/B 0.79
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)1.87
EY8.56%
EPS(NY)2.88
Fwd EY13.19%
FCF(TTM)0.82
FCFY3.75%
OCF(TTM)0.8
OCFY3.66%
SpS9.94
BVpS27.55
TBVpS24.86
PEG (NY)0.78
PEG (5Y)N/A
Graham Number34.04
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 5.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.42%
GM N/A
FCFM 8.24%
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.02%
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 3YN/A
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 4.18
Debt/EBITDA N/A
Cap/Depr 9.45%
Cap/Sales 0.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 53.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.35%
ROIC/WACCN/A
Cap/Depr(3y)101.75%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.96%
Cap/Sales(5y)N/A
Profit Quality(3y)77.71%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2.08%
EPS Next Y14.9%
EPS Next 2Y31.78%
EPS Next 3Y23.29%
EPS Next 5YN/A
Revenue 1Y (TTM)8.04%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.19%
Revenue Next Year15.53%
Revenue Next 2Y16.34%
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 1Y-64.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-64.03%
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 for HNVR stock?

ChartMill assigns a valuation rating of 6 / 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.


What is the financial health of HANOVER BANCORP INC (HNVR) stock?

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


Can you provide the expected EPS growth for HNVR stock?

The Earnings per Share (EPS) of HANOVER BANCORP INC (HNVR) is expected to grow by 14.9% in the next year.