Hanover Bancorp Inc (HNVR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hanover Bancorp Inc stock (HNVR) is currently trading at $21.61. Hanover Bancorp Inc PE ratio is 20.80. Hanover Bancorp Inc PS ratio (Price-to-Sales) is 2.38. Analyst consensus price target for HNVR is $23.50. WallStSmart rates HNVR as Sell.
- HNVR PE ratio analysis and historical PE chart
- HNVR PS ratio (Price-to-Sales) history and trend
- HNVR intrinsic value — DCF, Graham Number, EPV models
- HNVR stock price prediction 2025 2026 2027 2028 2029 2030
- HNVR fair value vs current price
- HNVR insider transactions and insider buying
- Is HNVR undervalued or overvalued?
- Hanover Bancorp Inc financial analysis — revenue, earnings, cash flow
- HNVR Piotroski F-Score and Altman Z-Score
- HNVR analyst price target and Smart Rating
Hanover Bancorp Inc
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HNVR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hanover Bancorp Inc (HNVR)
HNVR trades 235% above its Graham fair value of $6.80, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hanover Bancorp Inc (HNVR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Hanover Bancorp Inc (HNVR) Key Strengths (2)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $29 kept per $100 revenue
Hanover Bancorp Inc (HNVR) Areas to Watch (7)
Revenue declining -29.00%, a shrinking business
Earnings declining -99.10%, profits shrinking
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 2.38x sales
Decent profitability, keeps $12 per $100 revenue
Moderate institutional interest at 36.23%
Hanover Bancorp Inc (HNVR) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 9 metrics analyzed, 2 register as strengths (avg 9.0/10) while 7 fall into concern territory (avg 3.1/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin. Valuation metrics including Price/Book (0.77) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 29.40%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (2.38) suggest expensive pricing. Growth concerns include Revenue Growth at -29.00%, EPS Growth at -99.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 3.77%, Profit Margin at 11.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 3.77% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -29.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HNVR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HNVR's Price-to-Sales ratio of 2.38x sits near its historical average of 2.38x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 2.41x set in Mar 2026, and 2% above its historical low of 2.33x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hanover Bancorp Inc (HNVR) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hanover Bancorp Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 63M with 29% decline year-over-year. Profit margins of 11.9% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 377.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 8M in free cash flow and 8M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 29% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Hanover Bancorp Inc push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 191.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hanover Bancorp Inc.
Bottom Line
Hanover Bancorp Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Hanover Bancorp Inc(HNVR)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Hanover Bancorp, Inc. is the banking holding company for Hanover Community Bank that provides banking products and services to small and medium-sized businesses, municipalities and individuals in the New York metropolitan area. The company is headquartered in Mineola, New York.