HNVR - Hanover Bancorp, Inc. /MD

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Revenue Growth YoY (%)	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	—	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-7%)	8.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	—	10.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+67%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	—	-6.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-214%)	-11.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-285%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-199%)	—	50.0% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+733%)	105.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1651%)	-5.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-192%)	—	68.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1035%)	22.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+269%)	131.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2096%)	—	—	—	—	—
EPS Growth YoY (%)	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	25.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-98.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	200.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-63.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-27.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-73.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	25.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-40.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-58.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-39.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-46.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1520.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	108.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-38.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	281.6% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	-85.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	716.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	227.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	23.2% Good ↑ Good Improving Year-over-year change in net income	23.2% Good ↑ Good Improving Year-over-year change in net income	-99.2% Weak ↓ Weak Declining Year-over-year change in net income	-62.5% Weak ↓ Weak Declining Year-over-year change in net income	-62.5% Weak ↓ Weak Declining Year-over-year change in net income	-62.5% Weak ↓ Weak Declining Year-over-year change in net income	-26.9% Weak ↓ Weak Declining Year-over-year change in net income	26.6% Excellent ↑ Excellent Improving Year-over-year change in net income	26.6% Excellent ↑ Excellent Improving Year-over-year change in net income	26.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.4% Weak ↑ Weak Improving Year-over-year change in net income	-45.2% Weak ↓ Weak Declining Year-over-year change in net income	-45.2% Weak ↓ Weak Declining Year-over-year change in net income	-39.9% Weak ↓ Weak Declining Year-over-year change in net income	-17.4% Weak ↓ Weak Declining Year-over-year change in net income	185.2% Excellent ↑ Excellent Improving Year-over-year change in net income	185.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.3% Weak ↓ Weak Declining Year-over-year change in net income	356.4% Excellent → Excellent Stable Year-over-year change in net income	45.8% Excellent ↓ Excellent Declining Year-over-year change in net income	725.3% Excellent Excellent Year-over-year change in net income	330.3% 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	—	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	—	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	32.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.6% Excellent Excellent Compound annual revenue growth over 3 years	27.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	18.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	—	22.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	21.4% Excellent Excellent Compound annual revenue growth over 5 years	19.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	9.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-17.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-76.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-31.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-35.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-28.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	112.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-39.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-22.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	24.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	12.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	91.3% Excellent Excellent Compound annual EPS growth over 3 years	6.9% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Operating Margin (%) (%)	27.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	15.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—	25.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.4% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	9.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—	27.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	6.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	32.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—	30.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	28.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	26.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	41.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	43.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	41.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	—	3.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	30.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	48.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	—	27.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	—	25.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
Effective Tax Rate (%) (%)	25.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	75.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	21.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	9.6% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	9.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	—	8.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—	23.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	24.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	20.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	20.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	20.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	32.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	37.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	—	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	3.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	20.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	—	—	5.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	—	—	2.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Debt to Equity (x)	0.29x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.50x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.50x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.54x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.55x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.55x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.79x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.97x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	—	—	—	0.59x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.59x Good Good 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%)	1.30x 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%)	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Revenue per Share (USD)	$2.71	$2.64	—	$2.48	$2.52	$2.54	—	$2.38	$2.36	$2.32	—	$2.19	$2.19	$2.24	—	$2.65	$3.17	$2.38	—	$2.35	$2.03	$3.21	—	$1.58	$1.67	$1.82	—
Basic EPS, GAAP (USD)	$0.55	$0.25	$0.01	$0.47	$0.33	$0.20	$0.53	$0.48	$0.11	$0.55	$0.73	$0.48	$0.42	$0.44	$0.77	$0.81	$1.02	$0.73	$1.45	$0.05	$0.49	$1.18	$0.38	$0.34	$0.06	$0.36	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	$0.10	—	$0.10	$0.10	$0.10	—	$0.10	$0.10	$0.10	$0.00	$0.10	$0.10	$0.10	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$28.74	$28.15	$28.07	$28.06	$27.53	$27.20	$27.49	$26.89	$26.67	$26.17	$25.93	$26.28	$25.86	$25.75	$23.69	$23.69	—	—	$22.02	$22.02	—	—	$18.69	$18.69	—	—	—
Tangible Book Value per Share (USD)	$26.02	$25.47	$25.38	$25.40	$24.88	$24.55	$24.81	$24.21	$23.98	$23.52	$23.25	$26.28	$25.86	$25.75	$21.06	$21.06	—	—	$18.58	$18.58	—	—	$18.24	$18.24	—	—	—
Basic Weighted Avg Shares (shares)	7.22M	7.23M	—	7.27M	7.29M	7.22M	—	7.17M	7.16M	7.12M	—	7.07M	7.07M	7.01M	—	6.27M	5.49M	7.01M	—	4.73M	4.19M	5.49M	—	4.17M	4.16M	4.18M	—
Dividend Payout Ratio (%)	18.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	21.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	20.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	90.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	20.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	13.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$202.75M	$201.44M	$200.27M	$201.83M	$198.88M	$196.64M	$196.64M	$192.34M	$190.07M	$189.54M	$185.91M	$185.91M	$182.81M	$180.52M	$172.58M	$172.58M	—	—	$122.53M	$122.53M	—	—	$78.04M	$78.04M	—	—	$71.95M

📋 What is driving earnings? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$19.57M	$19.11M	—	$18.01M	$18.36M	$18.36M	—	$17.06M	$16.87M	$16.51M	—	$15.51M	$15.48M	$15.68M	—	$16.65M	$17.42M	$16.68M	—	$11.10M	$8.49M	$17.64M	—	$6.60M	$6.96M	$7.61M	—
Net Income, GAAP (USD)	$1.87M	$1.87M	$33.00K	$1.52M	$1.52M	$1.52M	$3.90M	$4.06M	$4.06M	$4.06M	$5.34M	$3.21M	$3.21M	$3.21M	$5.83M	$5.86M	$5.86M	$5.34M	$7.06M	$2.06M	$2.06M	$6.54M	$1.55M	$1.41M	$249.00K	$1.52M	—
Operating Cash Flow (USD)	$18.44M	$-2.51M	$8.25M	$2.75M	—	$4.11M	$5.49M	—	—	$3.60M	$6.08M	$904.00K	$8.00M	$1.42M	$7.83M	$7.50M	$3.67M	$6.08M	$6.21M	$4.49M	$-4.01M	$6.50M	$851.00K	$297.00K	$-425.00K	$-157.00K	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Sep 30, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Sep 30, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Mar 31, 2022 10-Q ↗	Q1 FY2022 Dec 31, 2022 10-Q ↗	Q4 FY2021 Sep 30, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Mar 31, 2021 10-Q ↗	Q1 FY2021 Dec 31, 2021 10-Q ↗	Q4 FY2020 Sep 30, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Mar 31, 2020 10-Q ↗	Q1 FY2020 Dec 31, 2020 10-Q ↗	Q4 FY2019 Sep 30, 2019 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.8%	2.7%	2.6%	2.6%	2.6%	2.4%	2.3%	2.3%	2.2%	2.8%	—	—	—	3.6%	3.2%	—	—	4.3%	2.8%	—	—	3.5%	3.1%	—	—	—
Efficiency Ratio (%) (%)	69.8%	81.7%	—	66.7%	68.7%	87.1%	—	71.8%	69.2%	65.4%	—	66.5%	68.3%	67.4%	—	52.4%	53.7%	49.6%	—	96.7%	67.4%	46.8%	—	70.7%	81.0%	73.4%	—

Hanover Bancorp, Inc. /MD

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