Hanover Bancorp Valuation
| HNVR Stock | USD 21.48 1.25 5.50% |
At this time, the firm appears to be undervalued. Hanover Bancorp retains a regular Real Value of $24.12 per share. The prevalent price of the firm is $21.48. Our model calculates the value of Hanover Bancorp from evaluating the firm fundamentals such as Return On Equity of 0.0647, current valuation of 147.48 M, and Return On Asset of 0.0054 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Hanover Bancorp's valuation include:
Price Book 0.8268 | Enterprise Value | Price Sales 2.4198 | Trailing PE 12.9398 | Enterprise Value Revenue 4.4439 |
Undervalued
Today
Please note that Hanover Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Hanover Bancorp is based on 3 months time horizon. Increasing Hanover Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Hanover stock is determined by what a typical buyer is willing to pay for full or partial control of Hanover Bancorp. Since Hanover Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Hanover Stock. However, Hanover Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 21.48 | Real 24.12 | Target 25.5 | Hype 21.62 | Naive 22.94 |
The intrinsic value of Hanover Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Hanover Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Hanover Bancorp helps investors to forecast how Hanover stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Hanover Bancorp more accurately as focusing exclusively on Hanover Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Hanover Bancorp's intrinsic value based on its ongoing forecasts of Hanover Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Hanover Bancorp's closest peers.
Hanover Bancorp Cash |
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Hanover Valuation Trend
Hanover Bancorp's real value is important for investors to make better decisions and a more accurate overall view of Hanover Bancorp's financial worth over time. Using both Hanover Bancorp's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Hanover Revenue by Product
Hanover Bancorp Total Value Analysis
Hanover Bancorp is currently anticipated to have valuation of 147.48 M with market capitalization of 153.64 M, debt of 215.37 M, and cash on hands of 133.97 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Hanover Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
147.48 M | 153.64 M | 215.37 M | 133.97 M |
Hanover Bancorp Investor Information
About 30.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.83. Some equities with similar Price to Book (P/B) outperform the market in the long run. Hanover Bancorp last dividend was issued on the 12th of February 2025. Based on the analysis of Hanover Bancorp's profitability, liquidity, and operating efficiency, Hanover Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.27 | 0.29 |
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| Total Cash From Operating Activities | 13 M | 18.9 M |
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| Operating Income | 178.7 K | 188.1 K |
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Hanover Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Hanover connotes not a very effective usage of assets in March.Hanover Bancorp Ownership Allocation
The market capitalization of Hanover Bancorp is $153.64 Million. Hanover Bancorp secures significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Hanover Bancorp Profitability Analysis
The company reported the previous year's revenue of 63.49 M. Net Income was 15.16 M with profit before overhead, payroll, taxes, and interest of 63.49 M.Hanover Bancorp Past Distributions to stockholders
About Hanover Bancorp Valuation
The stock valuation mechanism determines Hanover Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Hanover Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Hanover Bancorp. We calculate exposure to Hanover Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Hanover Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 65.5 M | 52.9 M | |
| Pretax Profit Margin | 0.30 | 0.29 | |
| Operating Profit Margin | 0.29 | 0.27 | |
| Net Profit Margin | 0.23 | 0.22 | |
| Gross Profit Margin | 0.86 | 0.76 |
Hanover Bancorp Quarterly Retained Earnings |
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A single share of Hanover Bancorp represents a small ownership stake in the entity. As a stockholder of Hanover, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Hanover Bancorp Dividends Analysis For Valuation
As of 03/09/2025, Dividend Paid And Capex Coverage Ratio is likely to grow to 3.62, while Dividends Paid is likely to drop slightly above 2.5 M. . At this time, Hanover Bancorp's Earnings Yield is relatively stable compared to the past year. As of 03/09/2025, Price Earnings Ratio is likely to grow to 16.58, while Retained Earnings are likely to drop slightly above 33.7 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 3.4 M | 2.5 M | |
| Dividend Yield | 0.02 | 0.02 | |
| Dividend Paid And Capex Coverage Ratio | 2.33 | 3.62 | |
| Dividend Payout Ratio | 0.17 | 0.11 |
There are various types of dividends Hanover Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Hanover shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Hanover Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Hanover pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Hanover Bancorp by the value of the dividends paid out.
Hanover Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Hanover Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7.4 M | |
| Quarterly Earnings Growth Y O Y | 0.02 |
Hanover Bancorp Current Valuation Indicators
Hanover Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Hanover Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Hanover Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Hanover Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Hanover Bancorp's worth.Additional Tools for Hanover Stock Analysis
When running Hanover Bancorp's price analysis, check to measure Hanover Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hanover Bancorp is operating at the current time. Most of Hanover Bancorp's value examination focuses on studying past and present price action to predict the probability of Hanover Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hanover Bancorp's price. Additionally, you may evaluate how the addition of Hanover Bancorp to your portfolios can decrease your overall portfolio volatility.