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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 Framework: Banks & Lenders Micro Cap
Hanover Bancorp, Inc. (HNVR), is a Micro Cap company, in the Banks - Regional industry, last closed at $22.97, about 20.5% undervalued vs fair value, +10.9% 1Y return, ranked 703/1078 in sector.
Metrics Rev Growth -3.4% ROE 3.8% Gross Margin 43.9%
USD 22.97
-1.92%
(Delayed)
• Vol 90d: 24.0%
52-Week Range
Market Cap
$162.06M
Enterprise Value
$119.90M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Oct 28

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $22.97 +21% 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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.0M
24.0% of Net Income

Where It Leaks

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

Competitive Advantage Assessment

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

Overall Moat Strength
18
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.11).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.09).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
16
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing HNVR's balance between Growth (24.8%), Profitability (38.9%), and Safety (36.3%). Growth 25% Safety 36% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

24th percentile vs peers
25
Key Signals
Asset Growth YoY 3.1% 39p Equity Growth YoY 6.0% 34p NII Growth YoY -2.6% 12p EPS Growth YoY -44.4% 9p
Strengths
  • Efficiency Ratio in top 20% of peers (37.0%, 90th percentile)
  • Dividends/Tangible Equity in top 20% of peers (1.9%, 80th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-2.6%)
  • EPS Growth YoY in bottom 20% of peers (-44.4%)

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
36
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:

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  • 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
$27.67
- - -
+20.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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