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
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Fourchette 52 Semaines
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Volume
—
Ouverture —
Moyenne 50J / 200J
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Moyenne 50J / 200J
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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)
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 €
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 |
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| 2026 Q1 |
0,53 €
0,51 € – 0,55 €
|
19,50 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% |
All Fundamental Metrics
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
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
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 | — | — | — | — | — |
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