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STOCKS

Hanover Bancorp Inc (HNVR)

NASDAQ:HNVR

HNVR

Hanover Bancorp Inc

RESEARCH TOOLSreports

Hanover Bancorp Inc (HNVR) Ratios

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29 Followers

Hanover Bancorp Inc Ratios

HNVR's free cash flow for Q3 2025 was $0.47. For the 2025 fiscal year, HNVR's free cash flow was decreased by $ and operating cash flow was $0.13. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.11	0.35	177.30	130.51	248.69
Quick Ratio	0.11	0.35	177.30	270.16	493.70
Cash Ratio	0.08	0.17	163.88	117.25	214.46
Solvency Ratio	<0.01	<0.01	0.02	<0.01	<0.01
Operating Cash Flow Ratio	<0.01	0.01	27.38	10.23	1.51
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.91B	$ -1.56B	$ -1.51B	$ -1.19B	$ -680.55M
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.10	0.07	0.12	0.12
Debt-to-Equity Ratio	0.68	1.16	0.73	1.50	1.28
Debt-to-Capital Ratio	0.40	0.54	0.42	0.60	0.56
Long-Term Debt-to-Capital Ratio	0.38	0.42	0.42	0.60	0.56
Financial Leverage Ratio	11.55	11.56	10.66	12.12	10.91
Debt Service Coverage Ratio	0.21	-0.10	3.53	-0.46	0.41
Interest Coverage Ratio	0.21	0.38	5.25	2.02	0.48
Debt to Market Cap	0.78	1.07	1.09	1.87	1.13
Interest Debt Per Share	28.73	37.77	22.01	40.93	27.03
Net Debt to EBITDA	-1.63	0.00	-0.73	0.00	3.03
Profitability Margins
Gross Profit Margin	46.86%	95.12%	100.00%	100.00%	100.00%
EBIT Margin	10.34%	-5.83%	1796.99%	-3.28%	18.55%
EBITDA Margin	13.12%	0.00%	1899.76%	0.00%	23.11%
Operating Profit Margin	10.34%	32.07%	2219.80%	31.19%	21.81%
Pretax Profit Margin	10.34%	33.70%	1796.99%	31.19%	21.81%
Net Profit Margin	7.82%	25.31%	1388.10%	24.08%	17.46%
Continuous Operations Profit Margin	7.82%	25.31%	1388.10%	24.08%	17.46%
Net Income Per EBT	75.65%	75.12%	77.25%	77.22%	80.05%
EBT Per EBIT	100.00%	105.07%	80.95%	100.00%	100.00%
Return on Assets (ROA)	0.49%	0.71%	1.28%	0.73%	0.58%
Return on Equity (ROE)	5.72%	8.16%	13.65%	8.86%	6.37%
Return on Capital Employed (ROCE)	4.23%	1.93%	2.05%	0.95%	0.73%
Return on Invested Capital (ROIC)	3.20%	1.20%	13.98%	4.89%	3.96%
Return on Tangible Assets	0.49%	0.71%	1.29%	0.74%	0.59%
Earnings Yield	6.99%	11.91%	20.31%	11.01%	5.63%
Efficiency Ratios
Receivables Turnover	12.28	5.63	0.20	4.81	4.21
Payables Turnover	42.63	1.61	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.98	2.28	0.12	3.00	2.01
Asset Turnover	0.06	0.03	<0.01	0.03	0.03
Working Capital Turnover Ratio	-0.08	-0.20	0.01	0.35	-1.51
Cash Conversion Cycle	21.16	-162.59	1.84K	75.85	86.69
Days of Sales Outstanding	29.72	64.80	1.84K	75.85	86.69
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	8.56	227.39	0.00	0.00	0.00
Operating Cycle	29.72	64.80	1.84K	75.85	86.69
Cash Flow Ratios
Operating Cash Flow Per Share	0.84	2.33	4.13	2.83	0.14
Free Cash Flow Per Share	0.86	1.85	3.95	2.38	-0.13
CapEx Per Share	0.02	0.48	0.18	0.45	0.26
Free Cash Flow to Operating Cash Flow	1.03	0.79	0.96	0.84	-0.93
Dividend Paid and CapEx Coverage Ratio	1.95	2.59	7.92	6.35	0.52
Capital Expenditure Coverage Ratio	39.84	4.81	22.33	6.35	0.52
Operating Cash Flow Coverage Ratio	0.04	0.08	0.20	0.07	<0.01
Operating Cash Flow to Sales Ratio	0.04	0.27	14.76	0.29	0.02
Free Cash Flow Yield	3.91%	10.20%	20.63%	11.28%	-0.60%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.32	8.40	4.92	9.08	17.76
Price-to-Sales (P/S) Ratio	1.11	2.13	68.33	2.19	3.10
Price-to-Book (P/B) Ratio	0.81	0.69	0.67	0.80	1.13
Price-to-Free Cash Flow (P/FCF) Ratio	25.56	9.80	4.85	8.86	-167.58
Price-to-Operating Cash Flow Ratio	26.50	7.77	4.63	7.47	156.03
Price-to-Earnings Growth (PEG) Ratio	21.76	-0.19	0.08	0.10	-0.46
Price-to-Fair Value	0.81	0.69	0.67	0.80	1.13
Enterprise Value Multiple	6.81	0.00	2.86	0.00	16.44
Enterprise Value	129.71M	150.63M	92.34M	131.42M	108.24M
EV to EBITDA	6.81	0.00	2.86	0.00	16.44
EV to Sales	0.89	2.51	54.41	2.92	3.80
EV to Free Cash Flow	20.62	11.59	3.86	11.83	-205.40
EV to Operating Cash Flow	21.14	9.18	3.69	9.96	191.24
Tangible Book Value Per Share	24.20	23.00	24.51	21.24	18.15
Shareholders’ Equity Per Share	27.75	26.40	28.46	26.24	18.65
Tax and Other Ratios
Effective Tax Rate	0.24	0.25	0.23	0.23	0.20
Revenue Per Share	19.96	8.51	0.28	9.65	6.81
Net Income Per Share	1.56	2.15	3.88	2.32	1.19
Tax Burden	0.76	0.75	0.77	0.77	0.80
Interest Burden	1.00	-5.78	1.00	-9.52	1.18
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.20	0.09	12.55	0.36	0.42
Stock-Based Compensation to Revenue	0.01	0.03	0.99	0.02	0.03
Income Quality	0.54	1.08	1.06	1.22	0.11

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