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HNVR vs JPM

HNVR
Hanover Bancorp, Inc.
BEARISH
Price
$22.47
Market Cap
$161.6M
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
HNVR
22.47
JPM
14.69
Forward P/E
HNVR
7.95
JPM
12.62
P/B Ratio
HNVR
0.82
JPM
2.32
P/S Ratio
HNVR
2.57
JPM
4.72
EV/EBITDA
HNVR
--
JPM
--

Profitability

Gross Margin
HNVR
0.0%
JPM
0.0%
Operating Margin
HNVR
29.36%
JPM
41.06%
Profit Margin
HNVR
11.9%
JPM
33.91%
ROE
HNVR
3.77%
JPM
16.13%
ROA
HNVR
0.32%
JPM
1.35%

Growth

Revenue Growth
HNVR
-29.0%
JPM
2.5%
Earnings Growth
HNVR
--
JPM
-3.6%

Financial Health

Debt/Equity
HNVR
--
JPM
--
Current Ratio
HNVR
--
JPM
--
Quick Ratio
HNVR
--
JPM
--

Dividends

Dividend Yield
HNVR
1.78%
JPM
2.11%
Payout Ratio
HNVR
40.0%
JPM
28.97%

AI Verdict

HNVR BEARISH

HNVR presents a contradictory profile where a stable Piotroski F-Score (4/9) and a discount to the Graham Number ($24.81) are overshadowed by severe fundamental deterioration. The company is experiencing a collapse in growth, evidenced by a -29% YoY revenue decline and a catastrophic -99.20% Q/Q earnings drop. While the stock trades below book value (P/B 0.82), the growth-based intrinsic value of $7.0 suggests the current price is heavily inflated relative to its earning power. Combined with bearish insider sentiment and a 0/4 earnings beat record over the last year, the valuation appears unsupported by operational performance.

Strengths
Trading below book value (P/B 0.82)
Current price is below the Graham Number ($24.81)
Sustainable dividend payout ratio (40%)
Risks
Severe revenue contraction (-29% YoY)
Extreme Q/Q earnings volatility (-99.20% growth)
Very low Return on Equity (3.77%) and Return on Assets (0.32%)
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

HNVR vs JPM: Head-to-Head Comparison

This page compares Hanover Bancorp, Inc. (HNVR) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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