HNVR
BEARISH
$22.47
Live
Hanover Bancorp, Inc. · NASDAQ
Target $23.5
(+4.6%)
$19.08
52W Range
$24.36
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$161.61M
P/E
22.47
ROE
3.8%
Profit margin
11.9%
Debt/Equity
N/A
Dividend yield
1.78%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key Strengths
Trading below book value (P/B 0.82)
Current price is below the Graham Number ($24.81)
Sustainable dividend payout ratio (40%)
Positive 1-year price performance (+17.6%)
Forward P/E (7.95) suggests expected earnings recovery
Key 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%)
Consistent failure to meet analyst earnings estimates (0/4 beats)
Bearish insider activity with recent director sales
AI Fair Value Estimate
Based on comprehensive analysis
$16.5
-26.6% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
65
15
40
50
45
AI Verdict
Underperform
Key drivers: Revenue collapse, Earnings misses, Low ROE, Insider selling
Confidence
90%
Value
65/100
Ref P/E 22.47, P/B 0.82, Graham Number $24.81
Positives
- P/B < 1.0
- Price < Graham Number
Watchpoints
- Massive premium to growth-based intrinsic value ($7.0)
Future
15/100
Ref Growth rates
Positives
- Slight Q/Q revenue uptick (3.33%)
Watchpoints
- YoY Revenue -29%
- Q/Q Earnings -99.20%
Past
40/100
Ref Historical trends
Positives
- Positive 3Y and 5Y price changes
Watchpoints
- Average surprise of -46.53% over last 4 quarters
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4 indicates stability
Watchpoints
- Extremely low ROA (0.32%)
- Low ROE (3.77%)
Dividend
45/100
Ref Yield, Payout
Positives
- Conservative payout ratio (40%)
Watchpoints
- Low dividend yield (1.78%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$22.47
Analyst Target
$23.5
Upside/Downside
+4.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HNVR and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HNVR
Hanover Bancorp, Inc.
Primary
|
+15.5% | +32.0% | +17.6% | +3.9% | +8.4% | +4.0% |
|
BMN
Blackrock 2037 Municipal Target Term Trust
Peer
|
+18.8% | +19.2% | +6.8% | +6.7% | +2.2% | -0.1% |
|
BANX
ArrowMark Financial Corp.
Peer
|
+77.2% | +59.5% | +11.0% | +8.9% | -3.7% | -1.0% |
|
BCIC
BCP Investment Corp.
Peer
|
+23.2% | -13.6% | -12.9% | +7.6% | +6.1% | +1.7% |
|
FNWD
Finward Bancorp
Peer
|
-6.9% | +24.6% | +20.9% | +10.9% | -5.2% | 0.0% |
HNV
Hanover Bancorp, Inc.
Primary
5Y
+15.5%
3Y
+32.0%
1Y
+17.6%
6M
+3.9%
1M
+8.4%
1W
+4.0%
BMN
Blackrock 2037 Municipal Target Term Trust
Peer
5Y
+18.8%
3Y
+19.2%
1Y
+6.8%
6M
+6.7%
1M
+2.2%
1W
-0.1%
BAN
ArrowMark Financial Corp.
Peer
5Y
+77.2%
3Y
+59.5%
1Y
+11.0%
6M
+8.9%
1M
-3.7%
1W
-1.0%
BCI
BCP Investment Corp.
Peer
5Y
+23.2%
3Y
-13.6%
1Y
-12.9%
6M
+7.6%
1M
+6.1%
1W
+1.7%
FNW
Finward Bancorp
Peer
5Y
-6.9%
3Y
+24.6%
1Y
+20.9%
6M
+10.9%
1M
-5.2%
1W
0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
22.47
Forward P/E
7.95
PEG Ratio
N/A
P/B Ratio
0.82
P/S Ratio
2.57
EV/Revenue
1.5
EV/EBITDA
N/A
Market Cap
$161.61M
Profitability
Profit margins and return metrics
Profit Margin
11.9%
Operating Margin
29.36%
Gross Margin
N/A
ROE
3.77%
ROA
0.32%
Growth
Revenue and earnings growth rates
Revenue Growth
-29.0%
Earnings Growth
N/A
Q/Q Revenue Growth
+3.33%
Q/Q Earnings Growth
-99.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$29.13
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
0.2%
Total Assets
$2.4B
Liabilities
$2.2B
Equity
$0.2B
Debt/Equity
10.90x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-29
$N/A
-100.0% surprise
2025-10-30
$0.47
-0.7% surprise
2025-07-23
$0.33
-38.9% surprise
Financial Services Sector Comparison
Comparing HNVR against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
22.47
This Stock
vs
54.09
Sector Avg
-58.5%
(Discount)
Return on Equity (ROE)
3.77%
This Stock
vs
-0.66%
Sector Avg
-670.5%
(Below Avg)
Profit Margin
11.9%
This Stock
vs
63.27%
Sector Avg
-81.2%
(Weaker)
Revenue Growth
-29.0%
This Stock
vs
44.9%
Sector Avg
-164.6%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HNVR
Hanover Bancorp, Inc.
|
BEARISH | $161.61M | 22.47 | 3.8% | 11.9% | $22.47 | |
|
BMN
Blackrock 2037 Municipal...
|
BEARISH | $162.05M | 263.6 | -% | -% | $26.36 | Compare |
|
BANX
ArrowMark Financial Corp.
|
NEUTRAL | $163.16M | 7.74 | 12.5% | 69.8% | $20.89 | Compare |
|
BCIC
BCP Investment Corp.
|
NEUTRAL | $165.56M | 8.04 | 7.9% | 28.4% | $12.55 | Compare |
|
FNWD
Finward Bancorp
|
NEUTRAL | $151.74M | 18.64 | 5.0% | 12.2% | $35.04 | Compare |
HNVR
Hanover Bancorp, Inc.
BEARISH
Mkt Cap
$162M
P/E
22.5
ROE
3.8%
Price
$22.47
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-06 | GOLDEN ROBERT | Director | Sale | 1,200 | $28,270 |
| 2026-02-05 | PUORRO MICHAEL P | Chief Executive Officer | Stock Award | 10,945 | - |
| 2026-02-05 | HASPEL AHRON H | Director | Stock Award | 1,592 | - |
| 2026-02-05 | SORRENTI JOHN R | Director | Stock Award | 1,592 | - |
| 2026-02-05 | KATZ MICHAEL DAVID M.D. | Director | Stock Award | 1,592 | - |
| 2026-02-05 | SISTI ELENA | Director | Stock Award | 1,592 | - |
| 2026-02-05 | GOLDEN ROBERT | Director | Stock Award | 1,592 | - |
| 2026-02-05 | DIIORIO LISA A | Officer | Stock Award | 1,062 | - |
| 2026-02-05 | OKUN PHILIP A | Director | Stock Award | 1,592 | - |
| 2026-02-05 | BURKE LANCE P | Chief Financial Officer | Stock Award | 3,185 | - |
| 2026-02-05 | ABRAHAM VARKEY | Director | Stock Award | 1,592 | - |
| 2026-02-05 | CORBETT KEVIN | Officer | Stock Award | 2,198 | - |
| 2026-02-05 | NEGRIN METIN | Director | Stock Award | 1,592 | - |
| 2026-02-05 | VIVONA JOHN P | Officer | Stock Award | 1,338 | - |
| 2026-02-05 | BURNS JOSEPH F | Officer | Stock Award | 2,592 | - |
GOLDEN ROBERT
Director
2026-02-06
1,200 shares
·
$28,270
PUORRO MICHAEL P
Chief Executive Officer
2026-02-05
10,945 shares
HASPEL AHRON H
Director
2026-02-05
1,592 shares
SORRENTI JOHN R
Director
2026-02-05
1,592 shares
KATZ MICHAEL DAVID M.D.
Director
2026-02-05
1,592 shares
SISTI ELENA
Director
2026-02-05
1,592 shares
GOLDEN ROBERT
Director
2026-02-05
1,592 shares
DIIORIO LISA A
Officer
2026-02-05
1,062 shares
OKUN PHILIP A
Director
2026-02-05
1,592 shares
BURKE LANCE P
Chief Financial Officer
2026-02-05
3,185 shares
ABRAHAM VARKEY
Director
2026-02-05
1,592 shares
CORBETT KEVIN
Officer
2026-02-05
2,198 shares
NEGRIN METIN
Director
2026-02-05
1,592 shares
VIVONA JOHN P
Officer
2026-02-05
1,338 shares
BURNS JOSEPH F
Officer
2026-02-05
2,592 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
2 analysts
Piper Sandler
2026-01-30
Overweight
Overweight
Piper Sandler
2025-12-10
Overweight
Overweight
Past News Coverage
Recent headlines mentioning HNVR from our newsroom.
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