HANOVER BANCORP INC (HNVR) Fundamental Analysis & Valuation

NASDAQ:HNVR • US4107091096

Current stock price

21.66 USD
+0.06 (+0.28%)
Last:

This HNVR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HNVR Profitability Analysis

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

  • HNVR has a worse Return On Assets (0.31%) than 89.21% of its industry peers.
  • HNVR has a Return On Equity of 3.64%. This is amonst the worse of the industry: HNVR underperforms 86.84% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 3.64%
ROIC N/A
ROA(3y)0.5%
ROA(5y)N/A
ROE(3y)5.86%
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

  • With a Profit Margin value of 9.95%, HNVR is not doing good in the industry: 86.84% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of HNVR has declined.
  • 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) 9.95%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-32.47%
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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4

2. HNVR Health Analysis

2.1 Basic Checks

  • HNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HNVR has less shares outstanding than it did 1 year ago.
  • 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 2025 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

  • There is no outstanding debt for HNVR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 2.03
Altman-Z N/A
ROIC/WACCN/A
WACC23.68%
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

6

3. HNVR Growth Analysis

3.1 Past

  • The earnings per share for HNVR have decreased strongly by -18.67% in the last year.
  • Measured over the past years, HNVR shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -35.13% on average per year.
  • Looking at the last year, HNVR shows a small growth in Revenue. The Revenue has grown by 7.14% in the last year.
  • The Revenue has been growing slightly by 1.50% on average over the past years.
EPS 1Y (TTM)-18.67%
EPS 3Y-35.13%
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

  • HNVR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.42% yearly.
  • The Revenue is expected to grow by 22.11% on average over the next years. This is a very strong growth
EPS Next Y92.42%
EPS Next 2Y46.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.27%
Revenue Next 2Y22.11%
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 0.5 1 1.5 2 2.5

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5

4. HNVR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.04, which indicates a correct valuation of HNVR.
  • Based on the Price/Earnings ratio, HNVR is valued a bit more expensive than the industry average as 77.37% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of HNVR to the average of the S&P500 Index (26.21), we can say HNVR is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 8.34 indicates a reasonable valuation of HNVR.
  • Based on the Price/Forward Earnings ratio, HNVR is valued cheaper than 87.89% of the companies in the same industry.
  • HNVR is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.04
Fwd PE 8.34
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

  • HNVR's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.75
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.
  • HNVR's earnings are expected to grow with 46.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y46.42%
EPS Next 3YN/A

More info and screens

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

3

5. HNVR Dividend Analysis

5.1 Amount

  • HNVR has a Yearly Dividend Yield of 1.89%.
  • Compared to an average industry Dividend Yield of 2.73, HNVR is paying slightly less dividend.
  • HNVR's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.89%

5.2 History

  • HNVR has been paying a dividend for over 5 years, so it has already some track record.
  • HNVR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
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 41.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP41.22%
EPS Next 2Y46.42%
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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HNVR Fundamentals: All Metrics, Ratios and Statistics

HANOVER BANCORP INC

NASDAQ:HNVR (4/6/2026, 8:00:02 PM)

21.66

+0.06 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)N/A
Inst Owners27.03%
Inst Owner Change0%
Ins Owners24.43%
Ins Owner Change1.22%
Market Cap155.30M
Revenue(TTM)73.32M
Net Income(TTM)7.30M
Analysts45.71
Price Target23.97 (10.66%)
Short Float %1.54%
Short Ratio5.78
Dividend
Industry RankSector Rank
Dividend Yield 1.89%
Yearly Dividend0.42
Dividend Growth(5Y)N/A
DP41.22%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-52.33%
Min EPS beat(2)-100%
Max EPS beat(2)-4.66%
EPS beat(4)1
Avg EPS beat(4)-33.01%
Min EPS beat(4)-100%
Max EPS beat(4)13.52%
EPS beat(8)4
Avg EPS beat(8)-21.6%
EPS beat(12)6
Avg EPS beat(12)-13.76%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.21%
Min Revenue beat(2)-8.71%
Max Revenue beat(2)-3.71%
Revenue beat(4)1
Avg Revenue beat(4)-4%
Min Revenue beat(4)-8.71%
Max Revenue beat(4)1%
Revenue beat(8)1
Avg Revenue beat(8)-3.18%
Revenue beat(12)2
Avg Revenue beat(12)-3.38%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.08%
PT rev (3m)-4.08%
EPS NQ rev (1m)-3.31%
EPS NQ rev (3m)-14.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.36%
Revenue NQ rev (1m)5.03%
Revenue NQ rev (3m)10.17%
Revenue NY rev (1m)5.82%
Revenue NY rev (3m)10.29%
Valuation
Industry RankSector Rank
PE 16.04
Fwd PE 8.34
P/S 2.12
P/FCF 12.75
P/OCF 11.9
P/B 0.78
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.35
EY6.23%
EPS(NY)2.6
Fwd EY11.99%
FCF(TTM)1.7
FCFY7.84%
OCF(TTM)1.82
OCFY8.4%
SpS10.23
BVpS27.93
TBVpS25.23
PEG (NY)0.17
PEG (5Y)N/A
Graham Number29.13
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 3.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.95%
GM N/A
FCFM 16.61%
ROA(3y)0.5%
ROA(5y)N/A
ROE(3y)5.86%
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-32.47%
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 2.03
Debt/EBITDA N/A
Cap/Depr 42.16%
Cap/Sales 1.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 166.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.68%
ROIC/WACCN/A
Cap/Depr(3y)94.36%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.82%
Cap/Sales(5y)N/A
Profit Quality(3y)96.89%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.67%
EPS 3Y-35.13%
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y92.42%
EPS Next 2Y46.42%
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 Year37.27%
Revenue Next 2Y22.11%
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 1Y193.68%
FCF growth 3Y-20.15%
FCF growth 5YN/A
OCF growth 1Y139.91%
OCF growth 3Y-19.53%
OCF growth 5YN/A

HANOVER BANCORP INC / HNVR Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 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.


What is the profitability of HNVR stock?

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


How financially healthy is HANOVER BANCORP INC?

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


What is the earnings growth outlook for HANOVER BANCORP INC?

The Earnings per Share (EPS) of HANOVER BANCORP INC (HNVR) is expected to grow by 92.42% in the next year.