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Hanover Bancorp, Inc. HNVR | NASDAQ

$25.47 -$0.26 | -1.01%

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|2026-09-24 |F&G 37 |RSI 38.4

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Company Overview:

Market Cap: $188.86M

Trailing PE: 20x

FWD PE *: 9.6x

Payout Ratio (TTM): 31.7%

52-Week Range: $19.91 - $27.94

* Forward PE is based on street estimates.

4.4 Year HNVR Performance Metrics:

Total Return (with DRIP): 31.9% (6.49% CAGR)

Total Return (no DRIP): 29.2% (6.00% CAGR)

Share Price: 20.7% (4.37% CAGR)

Yield on Cost (with DRIP): 2.07%

Total Invested: $10,000

Total Value (with DRIP): $13,189

Total Return $ (with DRIP): $3,189

Dividend Increase: 0.0% (0.00% CAGR)

Dividend Yield (FWD): 1.57% ($0.40)

HNVR 4.4-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

HNVR Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

HNVR Price CAGR:1Y: 11.51%2Y: 19.32%5Y: 4.38%10Y: 4.38%

HNVR Dividend Charts

HNVR - Dividends

HNVR Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HNVR - Dividend Payout Ratio

HNVR Dividend Payout Ratio CAGR:1Y: -40.53%2Y: -54.37%5Y: 0.00%10Y: 0.00%

HNVR - Dividend to Free Cash Flow Ratio

HNVR Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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HNVR Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

HNVR - Revenue

HNVR Revenue CAGR:1Y: -16.73%2Y: -10.53%5Y: 21.72%10Y: 28.00%

HNVR - Earnings Per Share (EPS)

HNVR EPS CAGR:1Y: 66.67%2Y: 123.61%5Y: 69.25%10Y: 11.21%

HNVR - Net Income

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HNVR Net Income CAGR:1Y: 66.35%2Y: 119.43%5Y: 79.02%10Y: 23.04%

HNVR - EBITDA

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HNVR EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HNVR - Free Cash Flow

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HNVR Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 35.60%10Y: 0.00%

HNVR - Free Cash Flow / Share

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HNVR Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 27.68%10Y: 0.00%

HNVR - Operating Income

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HNVR Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HNVR - Gross Profit

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HNVR Gross Profit CAGR:1Y: -14.23%2Y: -37.64%5Y: 4.34%10Y: 18.51%

HNVR - Shares Outstanding

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HNVR Shares Outstanding CAGR:1Y: -1.22%2Y: 1.45%5Y: 5.84%10Y: 10.67%

HNVR - Share Buybacks

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HNVR Share Buybacks CAGR:1Y: 23,130.00%2Y: 1,604.04%5Y: 0.00%10Y: 0.00%

HNVR - Stock-Based Comp

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HNVR Stock-Based Comp CAGR:1Y: 12.50%2Y: 4.87%5Y: 14.51%10Y: 0.00%

HNVR - Expenses

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HNVR Expenses CAGR:1Y: 104.44%2Y: -64.30%5Y: -15.57%10Y: 0.00%

HNVR - Revenue vs Net Income

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HNVR - EPS vs FCF / Share

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HNVR - EPS vs PE Ratio

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HNVR - FCF vs FCF / Share

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HNVR - FCF vs Stock Based Comp

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HNVR - Cash & Debt

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HNVR - Revenue by Segment

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HNVR Revenue CAGR:1Y: -16.73%2Y: -10.53%5Y: 21.72%10Y: 28.00%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

HNVR - REVENUE: Actual + Estimates

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HNVR Actual Revenue CAGR:1Y: -16.73%2Y: -10.53%5Y: 21.72%10Y: 28.00%

HNVR - EPS: Actual + Estimates

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HNVR Actual EPS CAGR:1Y: 66.67%2Y: 123.61%5Y: 69.25%10Y: 11.21%

HNVR - NET INCOME: Actual + Estimates

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HNVR Actual Net Income CAGR:1Y: 66.35%2Y: 119.43%5Y: 79.02%10Y: 23.04%

HNVR - EBITDA: Actual + Estimates

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HNVR Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

HNVR - Net Profit Margin

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HNVR Net Profit Margin CAGR:1Y: 99.85%2Y: 145.22%5Y: 47.11%10Y: -3.87%

HNVR - Gross Profit Margin

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HNVR Gross Profit Margin CAGR:1Y: 3.00%2Y: -30.30%5Y: -14.28%10Y: -7.42%

HNVR - Price to Earnings

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HNVR Price to Earnings CAGR:1Y: -38.87%2Y: -44.71%5Y: -39.52%10Y: -9.18%

HNVR - Price To Sales Ratio

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HNVR Price To Sales Ratio CAGR:1Y: 20.95%2Y: 35.84%5Y: -10.99%10Y: -12.67%

HNVR - Return on Capital Employed

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HNVR Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HNVR - Return on Invested Capital

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HNVR Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HNVR Dividends Info:

Annual Dividend: $0.4

Forward Yield: 1.57%

Ex-Dividend Date: 2026-08-06

Lifetime Dividends / Share: $1.80

HNVR Dividend History: Dates, Payments & Yield list

Below is a schedule of all HNVR dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/06/2026	08/13/2026	$0.100	1.48%	1.46%	$27.45
05/11/2026	05/18/2026	$0.100	1.75%	1.75%	$22.80
02/12/2026	02/26/2026	$0.100	1.78%	1.84%	$21.75
11/13/2025	11/20/2025	$0.100	1.79%	1.85%	$21.66
08/06/2025	08/13/2025	$0.100	1.88%	1.79%	$22.29
05/07/2025	05/14/2025	$0.100	1.77%	1.73%	$23.06
02/12/2025	02/19/2025	$0.100	1.55%	1.57%	$25.53
11/06/2024	11/13/2024	$0.100	1.97%	1.88%	$21.31
08/07/2024	08/14/2024	$0.100	2.31%	2.32%	$17.21
05/07/2024	05/15/2024	$0.100	2.41%	2.42%	$16.50
02/06/2024	02/14/2024	$0.100	2.26%	2.28%	$17.53
11/07/2023	11/15/2023	$0.100	2.25%	2.27%	$17.60
08/08/2023	08/16/2023	$0.100	2.18%	2.15%	$18.63
05/09/2023	05/17/2023	$0.100	2.23%	2.3%	$17.38
02/06/2023	02/14/2023	$0.100	2.06%	2.04%	$19.64
11/07/2022	11/15/2022	$0.100	2.03%	2%	$20.05
08/08/2022	08/16/2022	$0.100	2.01%	1.93%	$20.68
06/17/2022	06/28/2022	$0.100	2.03%	1.94%	$20.65

Projected Future Returns & Dividends for HNVR

Based on past 4.4-year performance, here are HNVR growth metrics:

Share price CAGR of +4.37%
Dividend CAGR of +0%

Using HNVR CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	HNVR (DRIP)	HNVR - No DRIP
Current Price	$25.47	$25.47
Start Shares	392.62	392.62
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	447.26	392.62
Dividends Payment	$0.10	$0.10
Annual Dividends	$179	$157
Yield on cost	1.79%	1.57%
Share Price	$39.07	$39.07
Total Dividends	$1,682	$1,570
Final Value	$17,474	$16,909

Estimated Future Value + Dividends - HNVR

NOTE: Above numbers are our estimate based on HNVR's Dividend and Price CAGR over past 4.4 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Hanover Bancorp, Inc. (HNVR) had its IPO on 2022-05-11, and is traded on NASDAQ stock exchange.

Hanover Bancorp, Inc. functions as the parent entity for Hanover Community Bank, providing a comprehensive range of financial products and services. These offerings serve individuals, municipalities, and small to mid-sized businesses across the New York metropolitan area. The bank's extensive portfolio includes various deposit options such as checking, savings, money market, NOW, and individual retirement accounts, alongside certificates of deposit and time deposits, as well as card services. For lending needs, it offers residential and commercial real estate mortgages, commercial and industrial loans, lines of credit, Small Business Administration (SBA) loans, home equity financing, multi-family property loans, general business loans, bridge loans, and other personal purpose loans. Branch locations are established in Manhattan, Brooklyn, Queens, and Nassau County, New York, with its administrative hub situated in Suffolk County, New York. Established in 2008, Hanover Bancorp, Inc. maintains its headquarters in Mineola, New York.

HNVR website: https://www.hanoverbank.com

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DCF Model — HNVR

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $25.47

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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