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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 $23.94, about 14.2% undervalued vs fair value, +13.4% 1Y return, ranked 803/1037 in sector.
Metrics Rev Growth -3.4% ROE 3.8% Gross Margin 43.9%
USD 23.94
0.00%
(Delayed)
• Vol 90d: 22.8%
52-Week Range
Market Cap
$171.33M
Enterprise Value
$87.89M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 22 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $23.94 +14% 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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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
24
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
19
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing HNVR's balance between Growth (29.0%), Profitability (27.4%), and Safety (43.6%). Growth 29% Safety 44% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
Asset Growth YoY 3.1% 45p Equity Growth YoY 5.3% 42p NII Growth YoY -11.0% 10p EPS Growth YoY -44.4% 13p
Strengths
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (-11.0%)
  • EPS Growth YoY in bottom 20% of peers (-44.4%)

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

42th percentile vs peers
42
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
- - -
+14.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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