Hanover Bancorp, Inc. (HNVR) vs Hoyne Bancorp, Inc. (HYNE)

Hanover Bancorp, Inc. and Hoyne Bancorp, Inc. are both Banks Regional companies. Hanover Bancorp, Inc. and Hoyne Bancorp, Inc. are of similar size ($153.7M and $151.2M). Hanover Bancorp, Inc. has the higher net margin (6.55% vs 1.14%) and the higher return on invested capital (8.61% vs 0.02%). Across the 11 metrics below, Hanover Bancorp, Inc. leads on 9 and Hoyne Bancorp, Inc. on 2.

Valuation

Metric HNVR HYNE Banks Regional median
P/E 17.00 — 12.02
P/S 1.11 6.15 2.36
P/B 0.79 0.87 1.23
Price to free cash flow 5.98 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.88% — 8.21%
Free cash flow yield 16.71% (3.07%) 9.23%

Profitability

Metric HNVR HYNE Banks Regional median
Gross margin 53.37% 77.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.55% 1.14% 18.82%
Free cash flow margin 18.47% (18.89%) 17.97%
Return on equity 4.72% 0.21% 10.28%
Return on assets 0.40% 0.11% 1.13%
Return on invested capital 8.61% 0.02% 8.45%

Growth

Metric HNVR HYNE Banks Regional median
Revenue growth (TTM) (4.37%) — 6.37%
EPS growth (last fiscal year) (39.76%) — 18.85%
Revenue growth, 5-year CAGR 28.13% — 12.65%
Net income growth, 5-year CAGR (7.64%) — 9.81%

Health

Metric HNVR HYNE Banks Regional median
Debt to equity 0.17 0.00 0.17
Current ratio 1.03 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HNVR HYNE Banks Regional median
Dividend yield 1.85% — 2.49%
Payout ratio 0.32 — 0.29

Size

Metric HNVR HYNE Banks Regional median
Market cap 153.74m 151.16m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack