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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	0.11	0.35	177.30	130.51
Quick Ratio	0.11	0.11	0.35	177.30	270.16
Cash Ratio	0.08	0.08	0.17	163.88	117.25
Solvency Ratio	<0.01	<0.01	<0.01	0.02	<0.01
Operating Cash Flow Ratio	<0.01	<0.01	0.01	27.38	10.23
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.91B	$ -1.91B	$ -1.56B	$ -1.51B	$ -1.19B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.10	0.07	0.12
Debt-to-Equity Ratio	0.68	0.72	1.16	0.73	1.50
Debt-to-Capital Ratio	0.40	0.42	0.54	0.42	0.60
Long-Term Debt-to-Capital Ratio	0.38	0.40	0.42	0.42	0.60
Financial Leverage Ratio	11.55	11.76	11.56	10.66	12.12
Debt Service Coverage Ratio	0.15	0.20	-0.10	3.53	-0.46
Interest Coverage Ratio	0.14	0.20	0.38	5.25	2.02
Debt to Market Cap	0.74	0.78	1.07	1.09	1.87
Interest Debt Per Share	27.74	29.91	37.77	22.01	40.93
Net Debt to EBITDA	-2.38	-1.05	0.98	-0.73	2.12
Profitability Margins
Gross Profit Margin	35.20%	42.79%	95.12%	100.00%	100.00%
EBIT Margin	6.95%	11.04%	-5.83%	1796.99%	-3.28%
EBITDA Margin	9.10%	13.65%	0.00%	1899.76%	0.00%
Operating Profit Margin	6.87%	11.04%	32.07%	2219.80%	31.19%
Pretax Profit Margin	6.95%	11.04%	33.70%	1796.99%	31.19%
Net Profit Margin	5.22%	8.32%	25.31%	1388.10%	24.08%
Continuous Operations Profit Margin	5.22%	8.32%	25.31%	1388.10%	24.08%
Net Income Per EBT	75.23%	75.38%	75.12%	77.25%	77.22%
EBT Per EBIT	101.15%	100.00%	105.07%	80.95%	100.00%
Return on Assets (ROA)	0.32%	0.53%	0.71%	1.28%	0.73%
Return on Equity (ROE)	3.77%	6.28%	8.16%	13.65%	8.86%
Return on Capital Employed (ROCE)	2.77%	4.60%	2.03%	1.66%	0.95%
Return on Invested Capital (ROIC)	2.09%	3.47%	1.26%	11.32%	4.89%
Return on Tangible Assets	0.32%	0.54%	0.71%	1.30%	0.74%
Earnings Yield	4.30%	7.23%	11.91%	20.31%	11.01%
Efficiency Ratios
Receivables Turnover	12.12	12.52	5.63	0.20	4.81
Payables Turnover	31.78	55.40	1.61	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.85	9.67	2.28	0.12	3.00
Asset Turnover	0.06	0.06	0.03	<0.01	0.03
Working Capital Turnover Ratio	-0.08	-0.12	-0.20	0.01	0.35
Cash Conversion Cycle	18.63	22.56	21.77	11.62	6.59
Days of Sales Outstanding	30.11	29.15	34.09	40.35	65.69
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	11.49	6.59	12.31	28.73	59.10
Operating Cycle	30.11	29.15	34.09	40.35	65.69
Cash Flow Ratios
Operating Cash Flow Per Share	0.82	0.80	2.33	4.13	2.83
Free Cash Flow Per Share	0.84	0.62	1.85	3.95	2.38
CapEx Per Share	0.02	0.17	0.48	0.18	0.45
Free Cash Flow to Operating Cash Flow	1.03	0.78	0.79	0.96	0.84
Dividend Paid and CapEx Coverage Ratio	1.95	1.39	2.59	7.92	6.35
Capital Expenditure Coverage Ratio	39.84	4.57	4.81	22.33	6.35
Operating Cash Flow Coverage Ratio	0.04	0.04	0.08	0.20	0.07
Operating Cash Flow to Sales Ratio	0.04	0.04	0.27	14.76	0.29
Free Cash Flow Yield	3.73%	2.70%	10.20%	20.63%	11.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	23.28	13.83	8.40	4.92	9.08
Price-to-Sales (P/S) Ratio	1.18	1.15	2.13	68.33	2.19
Price-to-Book (P/B) Ratio	0.86	0.87	0.69	0.67	0.80
Price-to-Free Cash Flow (P/FCF) Ratio	26.78	37.06	9.80	4.85	8.86
Price-to-Operating Cash Flow Ratio	28.42	28.94	7.77	4.63	7.47
Price-to-Earnings Growth (PEG) Ratio	-0.67	-0.72	-0.19	0.08	0.10
Price-to-Fair Value	0.86	0.87	0.69	0.67	0.80
Enterprise Value Multiple	10.54	7.38	0.00	2.86	0.00
Enterprise Value	137.40M	149.39M	150.63M	92.34M	131.42M
EV to EBITDA	10.54	7.38	6.36	2.86	8.46
EV to Sales	0.96	1.01	1.32	1.19	2.53
EV to Free Cash Flow	21.85	32.43	11.59	3.86	11.83
EV to Operating Cash Flow	22.40	25.33	9.18	3.69	9.96
Tangible Book Value Per Share	23.65	23.12	23.00	24.51	21.24
Shareholders’ Equity Per Share	27.11	26.56	26.40	28.46	26.24
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.25	0.23	0.23
Revenue Per Share	19.25	20.04	8.51	0.28	9.65
Net Income Per Share	1.01	1.67	2.15	3.88	2.32
Tax Burden	0.75	0.75	0.75	0.77	0.77
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.16	0.18	0.19	0.26	0.28
Stock-Based Compensation to Revenue	0.01	0.01	0.02	0.02	0.02
Income Quality	0.54	0.48	1.08	1.06	1.22

Currency in USD