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HANOVER BANCORP INC (HNVR) Stock Fundamental Analysis

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

23.22 USD
-0.25 (-1.07%)
Last: 12/30/2025, 8:00:02 PM
Fundamental Rating

3

Overall HNVR gets a fundamental rating of 3 out of 10. We evaluated HNVR against 388 industry peers in the Banks industry. The financial health of HNVR is average, but 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

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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 0.47%. This is amonst the worse of the industry: HNVR underperforms 80.15% of its industry peers.
HNVR has a Return On Equity of 5.47%. This is in the lower half of the industry: HNVR underperforms 74.48% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.47%
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 15.18% is on the low side compared to the rest of the industry. HNVR is outperformed by 77.32% of its industry peers.
The Operating Margin and Gross Margin are not available for HNVR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.18%
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

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4

2. Health

2.1 Basic Checks

HNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HNVR has less shares outstanding
Compared to 1 year ago, HNVR has an improved debt to assets ratio.
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 3.93
Altman-Z N/A
ROIC/WACCN/A
WACC23.01%
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

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.43% over the past year.
Looking at the last year, HNVR shows a quite strong growth in Revenue. The Revenue has grown by 9.60% in the last year.
EPS 1Y (TTM)15.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2.08%
Revenue 1Y (TTM)9.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.19%

3.2 Future

HNVR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.40% yearly.
The Revenue is expected to grow by 17.74% on average over the next years. This is quite good.
EPS Next Y13.98%
EPS Next 2Y31.39%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year14.72%
Revenue Next 2Y19.59%
Revenue Next 3Y17.74%
Revenue Next 5YN/A

3.3 Evolution

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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.42, the valuation of HNVR can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of HNVR is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.77, HNVR is valued rather cheaply.
The Price/Forward Earnings ratio is 8.10, which indicates a very decent valuation of HNVR.
Based on the Price/Forward Earnings ratio, HNVR is valued cheaper than 85.57% of the companies in the same industry.
HNVR is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.42
Fwd PE 8.1
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

Based on the Price/Free Cash Flow ratio, HNVR is valued a bit more expensive than the industry average as 77.84% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 26.55
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

HNVR's 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 24.40% in the coming years.
PEG (NY)0.89
PEG (5Y)N/A
EPS Next 2Y31.39%
EPS Next 3Y24.4%

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3

5. Dividend

5.1 Amount

HNVR has a Yearly Dividend Yield of 1.70%.
HNVR's Dividend Yield is slightly below the industry average, which is at 2.74.
HNVR's Dividend Yield is comparable with the S&P500 average which is at 2.00.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

HNVR has been paying a dividend for less than 5 years, so it still needs to build a track record.
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

HNVR pays out 27.07% of its income as dividend. This is a sustainable payout ratio.
DP27.07%
EPS Next 2Y31.39%
EPS Next 3Y24.4%
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

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HANOVER BANCORP INC

NASDAQ:HNVR (12/30/2025, 8:00:02 PM)

23.22

-0.25 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners28.23%
Inst Owner Change9.48%
Ins Owners24.86%
Ins Owner Change-0.1%
Market Cap166.95M
Revenue(TTM)72.72M
Net Income(TTM)11.04M
Analysts77.78
Price Target24.99 (7.62%)
Short Float %1.41%
Short Ratio3.63
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP27.07%
Div Incr Years0
Div Non Decr Years2
Ex-Date11-13 2025-11-13 (0.1)
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)2.8%
PT rev (3m)2.8%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)-5.73%
EPS NY rev (1m)-0.8%
EPS NY rev (3m)-2.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.48%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 8.1
P/S 2.3
P/FCF 26.55
P/OCF 27.21
P/B 0.83
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)1.87
EY8.05%
EPS(NY)2.87
Fwd EY12.34%
FCF(TTM)0.87
FCFY3.77%
OCF(TTM)0.85
OCFY3.67%
SpS10.11
BVpS28.07
TBVpS25.38
PEG (NY)0.89
PEG (5Y)N/A
Graham Number34.37
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)0.81%
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 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
WACC23.01%
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 Y13.98%
EPS Next 2Y31.39%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue 1Y (TTM)9.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.19%
Revenue Next Year14.72%
Revenue Next 2Y19.59%
Revenue Next 3Y17.74%
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 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.


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 13.98% in the next year.