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Company Analysis

Hanover Bancorp, Inc. HNVR

A comprehensive view of key metrics, scores, and financial health for Hanover Bancorp, Inc.

Overview of Hanover Bancorp, Inc.

HNVR NMS
Financial Services Banks - Regional Micro Cap
Hanover Bancorp, Inc. (HNVR), is a Micro Cap company, in the Banks - Regional industry, last closed at $20.60, about 32.8% undervalued vs fair value, -9.7% 1Y return, ranked 812/1004 in sector.
$20.60
-0.63%
As of March 13, 2026
Previous close • Vol 90d: 23.3%
52-Week Range
Market Cap
$151.33M
Enterprise Value
$67.89M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.hanoverbank.com
HQ Mineola, NY
Fiscal year Sep 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $20.60 +33% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$133.0M
26.6%%
Interest Expense
$70.0M
Net Interest Income
$53.1M
-2.6%%
Total Revenue
$143.3M
-3.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$302.3M
2070.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Hanover Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
24
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
21
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HNVR's balance between Growth (47.3%), Profitability (22.2%), and Safety (30.5%). Growth 47% Safety 30% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
42
Key Signals
Revenue CAGR 3Y 26.9% 79p Asset Growth YoY 3.1% 44p Rev Growth YoY -3.4% 8p
Strengths

No notable strengths identified for this axis.

Risks
  • Rev Growth Yoy in bottom 20% of peers (-3.4%)

Profitability

19th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

26th percentile vs peers
27
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hanover Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.35
- - -
+32.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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