No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| DCOMDime Community Bancshares, Inc. | 1.37B | 31.13 | 56.60 | 0.1% | 4.5% | 4.02% | 6.79% | 0.70 |
| EBCEastern Bankshares, Inc. | 4.4B | 19.56 | 29.64 | 91.64% | 11.17% | 1.3% | 6.14% | 0.01 |
| LYGLloyds Banking Group plc | 80.5B | 5.48 | 21.92 | 10.79% | 11.75% | 9.93% | 1.76 | |
| CFGCitizens Financial Group, Inc. | 26.03B | 60.61 | 20.00 | 1.31% | 12.22% | 6.6% | 7.22% | 0.51 |
| PFSProvident Financial Services, Inc. | 2.65B | 20.29 | 19.32 | 63.91% | 10.13% | 7.51% | 16.04% | 0.93 |
| CBUCommunity Bank System, Inc. | 3.3B | 62.73 | 18.24 | 24.44% | 19.4% | 10.34% | 6.71% | 0.57 |
| VLYValley National Bancorp | 6.7B | 12.02 | 17.42 | 6.51% | 10.65% | 6.53% | 8.18% | 0.50 |
| INDBIndependent Bank Corp. | 3.8B | 76.62 | 16.95 | 6.89% | 19.72% | 7.76% | 5.51% | 0.23 |
| Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 0 | 27.12M | 41.71M | 61.25M | 54.49M | 53.09M |
| NII Growth % | - | - | - | - | - | 0.54% | 0.47% | -0.11% | -0.03% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 40.13M | 48.67M | 68.43M | 105.04M | 133.02M |
| Interest Expense | 0 | 0 | 0 | 2.84M | 13.01M | 6.97M | 7.17M | 50.55M | 79.93M |
| Loan Loss Provision | 0 | 0 | 0 | -2.84M | 1.25M | 1M | 4.45M | 3.43M | 4.94M |
| Non-Interest Income | 9.5M | 13.05M | 19.34M | 39.27M | 1.36M | 3.35M | 8.87M | 8.85M | 15.34M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 9.5M | 13.05M | 19.34M | 39.27M | 41.5M | 52.02M | 77.3M | 113.89M | 148.36M |
| Revenue Growth % | - | 0.37% | 0.48% | 1.03% | 0.06% | 0.25% | 0.49% | 0.47% | 0.3% |
| Non-Interest Expense | 6.46M | 9.43M | 12.81M | 3.27M | 21.02M | 30M | 35.18M | 39.72M | 47.11M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | 3.04M | 3.92M | 7.46M | 11.39M | 6.21M | 14.05M | 30.5M | 20.19M | 16.38M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.29% | 0.91% | 0.53% | -0.45% | 1.26% | 1.17% | -0.34% | -0.19% |
| Pretax Income | 3.04M | 3.62M | 6.53M | 10.33M | 6.21M | 14.05M | 30.5M | 20.19M | 16.38M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 1.07M | 1.47M | 1.93M | 2.24M | 1.24M | 3.2M | 6.94M | 5.02M | 4.03M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 1.97M | 2.15M | 4.6M | 8.09M | 4.97M | 10.85M | 23.56M | 15.16M | 12.35M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.1% | 1.14% | 0.76% | -0.38% | 1.18% | 1.17% | -0.36% | -0.19% |
| Net Income (Continuing) | 1.97M | 2.15M | 4.6M | 8.09M | 4.97M | 10.85M | 23.56M | 15.16M | 12.35M |
| EPS (Diluted) | 0.75 | 0.78 | 1.36 | 1.93 | 1.19 | 2.28 | 3.68 | 2.05 | 1.66 |
| EPS Growth % | - | 0.04% | 0.74% | 0.42% | -0.38% | 0.92% | 0.61% | -0.44% | -0.19% |
| EPS (Basic) | 0.75 | 0.78 | 1.36 | 1.93 | 1.19 | 2.32 | 3.74 | 2.07 | 1.67 |
| Diluted Shares Outstanding | 2.62M | 2.76M | 3.38M | 4.19M | 4.19M | 4.76M | 6.16M | 7.12M | 7.43M |
| Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 27.9M | 34.95M | 57.1M | 87.83M | 80.21M | 151.25M | 149.95M | 192.11M | 162.86M |
| Short Term Investments | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 0 | 0 | 0 | 65.73M | 22.8M | 24.11M | 25.46M | 25.89M | 2.09B |
| Investments Growth % | - | - | - | - | -0.65% | 0.06% | 0.06% | 0.02% | 79.56% |
| Long-Term Investments | 0 | 0 | 0 | 65.73M | 16.76M | 16.36M | 16.7M | 15M | 2.05B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 1.48M | 1.9M | 19.17M | 19.17M | 19.17M | 19.17M |
| Intangible Assets | 0 | 0 | 0 | 0 | 177K | 4.17M | 4.75M | 4.81M | 6.27M |
| PP&E (Net) | 0 | 0 | 13.84M | 14.41M | 14.16M | 15M | 14.46M | 26.25M | 15.34M |
| Other Assets | 334.38M | 466.41M | 579.02M | 10.05M | -33M | -3.56M | -6.04M | 1.89B | 6.25M |
| Total Current Assets | 27.9M | 34.95M | 57.1M | 95.51M | 93.01M | 168.36M | 162.23M | 402.95M | 210.23M |
| Total Non-Current Assets | 334.38M | 466.41M | 592.87M | 753.32M | 33M | 54.7M | 46.8M | 1.96B | 2.1B |
| Total Assets | 362.28M | 501.36M | 649.96M | 848.84M | 851.61M | 1.48B | 1.84B | 2.15B | 2.31B |
| Asset Growth % | - | 0.38% | 0.3% | 0.31% | 0% | 0.74% | 0.24% | 0.17% | 0.08% |
| Return on Assets (ROA) | 0.01% | 0% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 374K | 1.29M | 915K | 1.82M | 1.53M |
| Total Debt | 60.39M | 82.37M | 124.5M | 115.73M | 100.14M | 184.16M | 126.32M | 215.37M | 141.52M |
| Net Debt | 32.48M | 47.42M | 67.4M | 27.89M | 19.93M | 32.9M | -23.63M | 22.75M | -21.34M |
| Long-Term Debt | 60.39M | 82.37M | 124.5M | 115.73M | 100.14M | 184.16M | 126.32M | 136.61M | 132.49M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 435.4M | -100.14M | 0 | 1.54B | 1.82B | 18.14M |
| Total Current Liabilities | 0 | 0 | 0 | 225.75M | 374K | 1.29M | 915K | 1.16B | 1.96B |
| Total Non-Current Liabilities | 60.39M | 82.37M | 124.5M | 551.13M | 100.14M | 184.16M | 915K | 1.96B | 159.66M |
| Total Liabilities | 60.39M | 82.37M | 124.5M | 776.89M | 773.56M | 1.36B | 1.67B | 1.96B | 2.12B |
| Total Equity | 32.06M | 41.78M | 54.23M | 71.95M | 78.04M | 122.53M | 172.58M | 185.91M | 196.64M |
| Equity Growth % | - | 0.3% | 0.3% | 0.33% | 0.08% | 0.57% | 0.41% | 0.08% | 0.06% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.06% | 0.06% | 0.1% | 0.13% | 0.07% | 0.11% | 0.16% | 0.08% | 0.06% |
| Book Value per Share | 12.24 | 15.14 | 16.03 | 17.19 | 18.65 | 25.75 | 28.03 | 26.11 | 26.46 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 32.06M | 41.78M | 54.23M | 42K | 42K | 56K | 73K | 72K | 72K |
| Additional Paid-in Capital | 0 | 0 | 0 | 62.74M | 63.73M | 97.25M | 126.66M | 125.5M | 124.94M |
| Retained Earnings | 0 | 0 | 0 | 9.15M | 14.12M | 24.97M | 46.48M | 58.69M | 67.92M |
| Accumulated OCI | 0 | 0 | 0 | 22K | 156K | 256K | -620K | -1.32M | -1.33M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.96M | 5.04M |
| Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 0 | 0 | 0 | 7.96M | 566K | 13.19M | 25.05M | 16.4M | 5.9M |
| Operating CF Growth % | - | - | - | - | -0.93% | 22.31% | 0.9% | -0.35% | -0.64% |
| Net Income | 1.97M | 2.15M | 4.6M | 8.09M | 4.97M | 10.85M | 23.56M | 15.16M | 12.35M |
| Depreciation & Amortization | 0 | 0 | 0 | 700K | 1.35M | 1.48M | 1.74M | 3.49M | 3.81M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 202K | 365K | 1.32M | 1.2M | 0 |
| Other Non-Cash Items | -1.97M | -2.15M | -4.6M | -3.43M | 166K | -3.83M | -3.82M | -589K | -5.24M |
| Working Capital Changes | 0 | 0 | 0 | 2.19M | -6.89M | 3.43M | 565K | -4.73M | -6.6M |
| Cash from Investing | 0 | 0 | 0 | -45.82M | -7.29M | 89.85M | -374.15M | -256.36M | -45.82M |
| Purchase of Investments | 0 | 0 | 0 | -1.89M | -5M | -4.7M | -8M | 0 | -622.63M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 352K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 14.53M | -3.88M | 26.16M | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 0 | -56.73M | 1.36M | 64.79M | -371.65M | -253.31M | -23.14M |
| Cash from Financing | 0 | 0 | 0 | 68.59M | -898K | -16.71M | 332.5M | 282.64M | 25.57M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | -2.04M | -2.93M | -2.96M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -170K | 0 |
| Stock Issued | 0 | 0 | 0 | 5.11M | 112K | 113K | 27.73M | 0 | -68K |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 0 | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K |
| Other Financing | 0 | 0 | 0 | 77.36M | 14.58M | 157.72M | 364.52M | 207.41M | 49.87M |
| Net Change in Cash | 0 | 0 | 0 | 87.83M | -7.62M | 86.33M | -16.6M | 42.68M | -14.35M |
| Exchange Rate Effect | 0 | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 0 | 0 | 0 | 87.83M | 80.21M | 166.54M | 149.95M | 177.21M |
| Cash at End | 0 | 0 | 0 | 87.83M | 80.21M | 166.54M | 149.95M | 192.62M | 162.86M |
| Interest Paid | 0 | 0 | 0 | 0 | 13.17M | 7.1M | 7.55M | 60.86M | 80.12M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 1.24M | 1.38M | 6.47M | 4.4M | 4.03M |
| Free Cash Flow | 0 | 0 | 0 | 6.44M | -527K | 11.11M | 23.93M | 12.99M | 4.61M |
| FCF Growth % | - | - | - | - | -1.08% | 22.09% | 1.15% | -0.46% | -0.65% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.13% | 5.83% | 9.58% | 12.81% | 6.63% | 10.82% | 15.96% | 8.46% | 6.45% |
| Return on Assets (ROA) | 0.54% | 0.5% | 0.8% | 1.08% | 0.58% | 0.93% | 1.42% | 0.76% | 0.55% |
| Net Interest Margin | 0% | 0% | 0% | 0% | 3.18% | 2.81% | 3.33% | 2.54% | 2.3% |
| Efficiency Ratio | 68.01% | 72.27% | 66.24% | 8.34% | 50.66% | 57.68% | 45.51% | 34.88% | 31.75% |
| Equity / Assets | 8.85% | 8.33% | 8.34% | 8.48% | 9.16% | 8.25% | 9.38% | 8.65% | 8.5% |
| Book Value / Share | 12.24 | 15.14 | 16.03 | 17.19 | 18.65 | 25.75 | 28.03 | 26.11 | 26.46 |
| NII Growth | - | - | - | - | - | 53.78% | 46.86% | -11.04% | -2.57% |
| Dividend Payout | - | - | - | - | - | - | 8.67% | 19.32% | 23.98% |
| 2021 | 2022 | 2023 | |
|---|---|---|---|
| Other Revenue | - | - | 1.77M |
| Other Revenue Growth | - | - | - |
| Service Charges On Deposit Accounts | - | - | 275K |
| Service Charges On Deposit Accounts Growth | - | - | - |
| Banking, Loan Fees and Service Charges | 703K | 2.88M | - |
| Banking, Loan Fees and Service Charges Growth | - | 310.38% | - |
| Deposit Account | 127K | 232K | - |
| Deposit Account Growth | - | 82.68% | - |
| Banking, Loan Servicing Income | 504K | - | - |
| Banking, Loan Servicing Income Growth | - | - | - |
Hanover Bancorp, Inc. (HNVR) has a price-to-earnings (P/E) ratio of 14.2x. This may indicate the stock is undervalued or faces growth challenges.
Hanover Bancorp, Inc. (HNVR) grew revenue by 30.3% over the past year. This is strong growth.
Yes, Hanover Bancorp, Inc. (HNVR) is profitable, generating $11.4M in net income for fiscal year 2024 (8.3% net margin).
Yes, Hanover Bancorp, Inc. (HNVR) pays a dividend with a yield of 1.69%. This makes it attractive for income-focused investors.
Hanover Bancorp, Inc. (HNVR) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.
Hanover Bancorp, Inc. (HNVR) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
Hanover Bancorp, Inc. (HNVR) has an efficiency ratio of 31.8%. This is excellent, indicating strong cost control.