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Finward Bancorp (FNWD) vs Hanover Bancorp, Inc. (HNVR)

Finward Bancorp and Hanover Bancorp, Inc. are both Banks Regional companies. Finward Bancorp and Hanover Bancorp, Inc. are of similar size ($181.0M and $170.6M). Finward Bancorp trades at the lower P/E: 18.3× against 19.0×. Finward Bancorp grew revenue faster over the last twelve months: 0.15% against −4.37%. Finward Bancorp has the higher net margin (9.65% vs 6.55%) and the lower return on invested capital (4.41% vs 8.61%). Both pay a dividend; Hanover Bancorp, Inc. yields more (1.66% vs 1.14%). Across the 19 metrics below, Hanover Bancorp, Inc. leads on 11 and Finward Bancorp on 8.

Valuation

Metric FNWD HNVR Banks Regional median
P/E 18.31 19.00 11.98
P/S 1.76 1.24 2.34
P/B 1.01 0.88 1.19
Price to free cash flow 10.33 6.69 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.46% 5.26% 8.23%
Free cash flow yield 9.68% 14.95% 9.08%

Profitability

Metric FNWD HNVR Banks Regional median
Gross margin 67.76% 53.37% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.65% 6.55% 18.66%
Free cash flow margin 17.07% 18.47% 21.11%
Return on equity 5.90% 4.72% 10.65%
Return on assets 0.48% 0.40% 1.13%
Return on invested capital 4.41% 8.61% 8.35%

Growth

Metric FNWD HNVR Banks Regional median
Revenue growth (TTM) 0.15% (4.37%) 6.98%
EPS growth (last fiscal year) (33.80%) (39.76%) 18.88%
Revenue growth, 5-year CAGR 7.69% 28.13% 12.38%
Net income growth, 5-year CAGR (12.68%) (7.64%) 9.71%

Health

Metric FNWD HNVR Banks Regional median
Debt to equity 0.36 0.17 0.22
Current ratio 0.88 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWD HNVR Banks Regional median
Dividend yield 1.14% 1.66% 2.57%
Payout ratio 0.21 0.32 0.30

Size

Metric FNWD HNVR Banks Regional median
Market cap 180.99m 170.60m 913.33m

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