Saturday 17 October 2026
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Hanover Bancorp, Inc.
HNVR Financial Banks Regional
Hanover Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $143.3 million, down 3.40% from fiscal 2024. In the quarter to June 2026, revenue fell 2.10%, EPS grew 66.7%, free cash flow grew 972.8% and total debt rose 38.5%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.
24.13
0.05
−0.21%
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| Dec '25 | Dec '24 | Dec '23 | Sep '23 | Sep '22 | Sep '21 | Dec '20 | Sep '20 | Dec '19 | Sep '19 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
23.11 | 13.81 | — | 8.74 | 5.02 | 7.71 | — | 7.71 | 7.71 | 7.71 |
Piotroski F-Score |
— | — | — | 5 | 8 | — | — | — | — | — |
P/S ratio |
1.17 | 1.11 | — | 1.12 | 1.50 | 1.66 | — | 1.66 | 1.66 | 1.66 |
P/FCF ratio |
13.44 | 39.79 | — | 9.85 | 3.84 | 4.67 | — | 4.67 | 4.67 | 4.67 |
P/Operating CF |
20.33 | 30.04 | — | 141.56 | 14.81 | 11.89 | — | 11.89 | 11.89 | 11.89 |
P/B ratio |
0.86 | 0.86 | — | 0.70 | 0.67 | 0.86 | — | 0.86 | 0.86 | 0.86 |
Price to Tangible BV |
0.95 | 0.96 | — | 0.78 | 0.76 | 1.01 | — | 1.01 | 1.01 | 1.01 |
EV/Sales |
(0.11) | 0.18 | — | (0.35) | (0.12) | 0.19 | — | 0.19 | 0.19 | 0.19 |
EV/EBITDA |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(1.26) | 4.94 | — | (2.44) | (0.30) | 0.49 | — | 0.49 | 0.49 | 0.49 |
EV/FCF |
(1.32) | 6.48 | — | (3.08) | (0.31) | 0.54 | — | 0.54 | 0.54 | 0.54 |
Quick Ratio |
0.10 | 0.08 | 0.09 | 0.10 | 0.09 | 0.13 | 0.00 | 0.10 | 0.00 | — |
Current Ratio |
1.04 | 1.04 | 1.05 | 1.08 | 1.08 | 1.07 | 0.00 | 1.05 | 0.00 | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.04% | 1.07% | 1.09% | 1.15% | 1.34% | 1.65% | 0.00% | 11.74% | 0.00% | 13.66% |
Debt/Equity |
0.12 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 157.13 | 1.28 | 0.00 | 1.61 |
Asset Turnover |
0.06 | 0.06 | 0.00 | 0.06 | 0.05 | 0.04 | 0.00 | 0.05 | 0.05 | 0.00 |
Operating CF/Net income |
1.79 | 0.45 | — | 1.12 | 1.11 | 1.22 | (0.15) | 0.11 | 0.00 | 0.98 |
Capex/Depreciation |
(0.14) | (0.33) | — | (0.96) | (0.62) | (1.34) | (1.37) | (0.81) | — | — |
| 3.77% | 6.41% | 0.00% | 8.21% | 15.35% | 17.69% | 27.75% | 10.79% | 11.55% | 0.00% | |
| 0.31% | 0.52% | 0.00% | 0.73% | 1.36% | 0.93% | 2.55% | 0.58% | 0.58% | 0.00% | |
ROIC |
38.63% | 17.51% | 0.00% | 70.47% | 40.38% | 0.00% | (78.55%) | 3.97% | 0.00% | 0.00% |
Return on Tangible Assets |
7.88% | 11.78% | 0.00% | 8.99% | 14.82% | 10.44% | (1.63%) | 9.38% | 0.61% | 57.75% |
Average Days of Receivables |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | — | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
44.21% | 35.08% | — | 37.89% | 51.27% | 59.60% | 0.00% | 53.67% | 53.67% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.10% | 1.07% | — | 1.64% | 2.18% | 1.73% | — | 1.85% | 0.00% | 0.00% |
Graham Net Nets |
0.16 | 0.21 | — | 0.78 | 0.88 | 0.62 | — | 0.62 | 0.62 | 0.62 |
Graham Number |
24.60 | 31.71 | — | 34.71 | 49.39 | 0.00 | — | 0.00 | 0.00 | 0.00 |
Earnings Yield |
4.33% | 7.24% | — | 11.44% | 19.93% | 12.97% | — | 12.97% | 12.97% | 12.97% |
Free Cash Flow Yield |
7.44% | 2.51% | — | 10.15% | 26.02% | 21.40% | — | 21.40% | 21.40% | 21.40% |
Revenue per Share |
19.75 | 20.73 | — | 16.18 | 12.75 | 11.37 | — | 9.97 | 0.00 | 6.50 |
Operating CF per Share |
1.80 | 0.76 | — | 2.33 | 4.14 | 2.88 | 0.00 | 0.14 | — | 1.90 |
Capex per Share |
(0.08) | (0.18) | — | (0.48) | (0.18) | (0.45) | 0.00 | (0.26) | — | 0.00 |
Free Cash Flow per Share |
1.72 | 0.58 | — | 1.85 | 3.95 | 2.43 | 0.00 | (0.13) | — | 1.90 |
Cash per Share |
28.79 | 22.75 | 0.00 | 27.36 | 24.72 | 36.40 | — | 19.27 | 0.00 | 0.00 |
Shareholders Equity per Share |
27.60 | 27.47 | 0.00 | 26.40 | 28.46 | 26.78 | 0.00 | 18.75 | 0.00 | 17.20 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 |
Book value per Share |
27.60 | 27.47 | 0.00 | 26.40 | 28.46 | 26.78 | 0.00 | 18.75 | 0.00 | 17.20 |
Free Cash Flow |
12.48 | 4.15 | — | 12.99 | 23.96 | 11.11 | (2.19) | (0.53) | — | 7.96 |
Working Capital |
78.29 | 86.24 | 100.30 | 146.40 | 138.41 | 88.89 | (665.13) | 38.85 | 804.13 | — |
Capital Expenditures |
(0.57) | (1.29) | — | (3.41) | (1.12) | (2.08) | (0.51) | (1.09) | — | (1.52) |
Net Current Asset Value |
26.32 | 34.38 | 50.34 | 99.51 | 101.71 | 52.37 | (24.51) | 30.56 | 30.56 | (777.00) |
EV/EBIT |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.01 | — | 0.03 | 0.01 | 0.04 | 0.00 | 0.03 | 0.00 | 0.00 |
Price to Operating Income |
16.85 | 10.08 | — | 186.54 | 7.04 | 10.01 | — | 10.01 | 10.01 | 10.01 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.29 | 0.26 | 0.00 | 0.22 | 0.12 | 0.10 | 0.00 | 0.10 | 0.00 | 0.00 |
Cash ROIC |
2.88% | 1.08% | 0.00% | 3.22% | 6.90% | 3.54% | (8.88%) | (0.20%) | 0.00% | 4.23% |
Accounts Receivable Turnover |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.04 | 0.04 | 0.00 | 0.03 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | — |
Inventory Turnover |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | — |
Average Days of Payables |
10,576.29 | 8,924.22 | 0.00 | 12,527.95 | 77,736.40 | 61,016.45 | 0.00 | 18,648.64 | 0.00 | — |
Days of Inventory on Hand |
0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | — |
Average Payables |
1,991.34 | 1,929.44 | 1,819.83 | 1,631.59 | 1,346.38 | 914.71 | 664.76 | — | — | — |
Average Assets |
2,347.60 | 2,291.09 | 2,209.80 | 1,994.80 | 1,662.35 | 1,168.12 | 425.80 | 851.61 | 850.30 | — |
Average Common Equity |
193.41 | 186.73 | 182.41 | 177.76 | 147.56 | 61.34 | 39.10 | 46.08 | 43.06 | — |
Columns are period end dates · fundamentals updated 28 Sep 2026