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Hanover Bancorp, Inc. /MD

Qualité des données : 83%
HNVR
Nasdaq Financial Services Depository Institutions
22,47 €
▼ 0,08 € (-0,35%)
Cap. Boursière: 162,24 M
Prix
22,56 €
Cap. Boursière
162,24 M
Fourchette du Jour
Fourchette 52 Semaines
Volume
Ouverture —
Moyenne 50J / 200J
Moyenne 50J / 200J

Quick Summary

Points Clés

Earnings declined -39,35% over the past year
ROE of 3,74% is below average
Debt/Equity of 0,50 — conservative balance sheet
Generating 12,18 M in free cash flow
Cash machine — converts 162,69% of earnings into free cash flow

Croissance

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-39,35%
FCF Growth (3Y)80,04%

Qualité

Return on Equity
3,74%
En dessous de la moyenne du secteur (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Sécurité

Debt / Equity
0,50
Au-dessus de la moyenne du secteur (0,49)
Current RatioN/A
Interest CoverageN/A

Valorisation

PE (TTM)
21,67
Au-dessus de la moyenne du secteur (11,15)
P/B Ratio0,80
EV/EBITDAN/A
Dividend YieldN/A

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (2180 pairs)
Métrique Action Médiane du Secteur
P/E 21,7 11,1
P/B 0,8 1,2
ROE % 3,7 9,2
Net Margin % 9,4
Rev Growth 5Y % 5,9
D/E 0,5 0,5

Objectif de Cours des Analystes

2 analystes
Hold
Actuel
22,47 €
+4.6%
Objectif
23,50 €
23,00 €
23,50 €
24,00 €
Prévisions
P/E Prévisionnel 7,95
BPA Prévisionnel 2,83 €
Croissance BPA (est.) +13,5%
CA Est. 90,35 M

Estimations de Bénéfices

Période BPA Est. CA Est. Analystes
FY2026 2,49 €
2,46 € – 2,52 €
83,10 M 2

Surprises de Résultats

Derniers 5 trimestres
Trimestre BPA Est. BPA Réel Surprise
Q42025 0,52 € 0,00 € -100,0%
Q32025 0,47 € 0,47 € -0,7%
Q22025 0,54 € 0,33 € -38,9%
Q12025 0,48 € 0,55 € +15,8%
2024-Q3 0,62 € 0,48 € -22,6%

ETFs Holding This Stock

BRSIX BRSIX
0,31% weight
WMMCX WMMCX
0,17% weight
WEIMX WEIMX
0,17% weight
WMMAX WMMAX
0,17% weight
WEMMX WEMMX
0,17% weight
DGRS logo DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund
0,04% weight
GACIX GACIX
0,03% weight
BOSVX BOSVX
0,03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0,00% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0,00% weight

All Fundamental Metrics

Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -39,35% Earnings Growth (3Y) 41,06%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -8,86%
Profitability
Revenue (TTM) N/A Net Income (TTM) 7,49 M
ROE 3,74% ROA 0,32%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 12,18 M
ROIC N/A FCF Growth (3Y) 80,04%
Safety
Debt / Equity 0,50 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 182,67 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 21,67 Forward P/E N/A
P/B Ratio 0,80 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 7,51%
Market Cap 162,24 M Enterprise Value 95,40 M
Per Share
EPS (Diluted TTM) 1,00 Revenue / Share N/A
FCF / Share 1,69 OCF / Share 1,81
EPS CAGR (1Y) -39,76% EPS CAGR (5Y) -18,62%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 162,69%
SBC-Adj. FCF 10,56 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue
Net Income 7,49 M 12,35 M 3,76 M 23,56 M 10,85 M
EPS (Diluted) 1,00 1,66 0,51 3,68 2,28
Gross Profit
Operating Income
EBITDA
R&D Expenses
SG&A Expenses
D&A 1,80 M 1,80 M 1,80 M 1,70 M 1,40 M
Interest Expense 60,48 M 53,09 M 18,50 M 7,18 M 6,97 M
Income Tax 2,47 M 4,03 M 1,28 M 6,94 M 3,20 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2,38 B 2,31 B 2,27 B 1,84 B 1,48 B
Total Liabilities 2,18 B 2,12 B 2,09 B 1,67 B 1,36 B
Shareholders' Equity 200,27 M 196,64 M 184,83 M 172,58 M 122,53 M
Total Debt 100,73 M 107,81 M 128,95 M 101,75 M 159,64 M
Cash & Equivalents 208,90 M 162,86 M 177,21 M 149,95 M 166,54 M
Current Assets
Current Liabilities