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Hanover Bancorp, Inc. /MD

HNVR

$21.74 ▼ -1.37 (-5.93%) at close

7 Visible periods

34 Metrics

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Health

Fair

Neutral

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Analytical Summary

Hanover Bancorp, Inc. /MD shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $157.8M

Dividend Yield 0.46%

Revenue Growth 7.1% ↘

Op. Margin 13.6% ↘

ROIC None

FCF / Share None

Trailing P/E 21.5x

Price / Book 0.8x

FCF Yield —

Debt / Equity 0.50

info Valuation on last close. End-of-day price, Nov 5, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$73.32M

↑ +7.1% —

Net Income Profit after all expenses

$7.49M

↓ -39.3% —

Operating Margin Operating profit as % of sales

13.6%

↓ -43.3% 65th

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.10 Latest / share

+0.0% YoY

+0.0% 4-yr CAGR

FY 2019

FY 2020

FY 2021

$0.10

FY 2022

$0.10

FY 2023

$0.10

FY 2024

$0.10

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Revenue Growth YoY (%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	8.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	-9.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-261%)	55.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+827%)	58.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+870%)	—	—
EPS Growth YoY (%)	-39.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-44.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	61.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	93.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-39.3% Weak ↓ Weak Declining Year-over-year change in net income	-18.6% Weak ↓ Weak Declining Year-over-year change in net income	-35.6% Weak ↓ Weak Declining Year-over-year change in net income	117.1% Excellent Excellent Year-over-year change in net income	118.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	14.9% Good Good Compound annual revenue growth over 3 years	30.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	20.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-35.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.4% Weak Weak Compound annual EPS growth over 3 years	19.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Operating Margin (%) (%)	13.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	23.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	31.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	43.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	31.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	21.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	—
Effective Tax Rate (%) (%)	24.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	18.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	23.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	24.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	17.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	8.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	6.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Debt to Equity (x)	0.50x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.55x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.97x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	0.59x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	1.30x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9%)	1.09x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Revenue per Share (USD)	$10.10	$9.56	$9.00	$11.56	$9.85	$6.84	—
Basic EPS, GAAP (USD)	$1.01	$1.67	$2.07	$3.74	$2.32	$1.20	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.10	$0.10	$0.10	$0.10	—	—	—
Book Value per Share (USD)	$28.07	$27.49	$25.93	$23.69	$22.02	$18.69	—
Tangible Book Value per Share (USD)	$25.38	$24.81	$23.25	$21.06	$18.58	$18.24	—
Basic Weighted Avg Shares (shares)	7.26M	7.16M	7.04M	6.07M	4.58M	4.16M	—
Dividend Payout Ratio (%)	9.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	4.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	2.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$200.27M	$196.64M	$185.91M	$172.58M	$122.53M	$78.04M	$71.95M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$73.32M	$68.43M	$63.34M	$70.13M	$45.06M	$28.49M	—
Net Income, GAAP (USD)	$7.49M	$12.35M	$15.16M	$23.56M	$10.85M	$4.97M	—
Operating Cash Flow (USD)	$13.05M	$5.44M	$16.40M	$25.08M	$13.19M	$566.00K	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.3%	2.5%	3.3%	2.8%	3.2%	—
Efficiency Ratio (%) (%)	72.3%	68.8%	62.7%	50.2%	66.6%	73.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 27 quarters

Hanover Bancorp, Inc. /MD

Analytical Summary

7-Year Financial Trajectory

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