InsiderClue
Stocks · Financials · State Commercial Banks

Hanover Bancorp, Inc. /MD

HNVR Clue Score52
United States Fiscal year ends December CIK 0001828588
$24.94 +1.88% Close, 12 Oct 2026
Alert on the numbers Alert on insider trades
Price $24.94 +38.79% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 11 May 2022. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2020Net income5.0EPS, diluted1.18Fiscal year 2021Net income10.9 +118.2%EPS, diluted2.28 +93.2%Fiscal year 2022Net income23.6 +117.1%EPS, diluted3.68 +61.4%Fiscal year 2023Net income15.2 −35.6%EPS, diluted2.05 −44.3%Fiscal year 2024Net income12.3 −18.6%EPS, diluted1.66 −19.0%Fiscal year 2025Net income7.5 −39.3%EPS, diluted1.00 −39.8%
FY2020FY2021FY2022FY2023FY2024FY2025
Net income 5.0 10.9 23.6 15.2 12.3 7.5
Growth +118.2% +117.1% −35.6% −18.6% −39.3%
EPS, diluted 1.18 2.28 3.68 2.05 1.66 1.00
Growth +93.2% +61.4% −44.3% −19.0% −39.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow0.6Capital expenditure−1.1Free cash flow−0.5Fiscal year 2021Operating cash flow13.2Capital expenditure−2.1Free cash flow11.1Dividends paid0.0Fiscal year 2022Operating cash flow25.1Capital expenditure−1.1Free cash flow24.0 +115.6%Dividends paid−2.0Fiscal year 2023Operating cash flow16.4Capital expenditure−3.4Free cash flow13.0 −45.8%Dividends paid−2.9Fiscal year 2024Operating cash flow5.4Capital expenditure−1.3Free cash flow4.1 −68.1%Buybacks0.0Dividends paid−3.0Fiscal year 2025Operating cash flow13.1Capital expenditure−0.9Free cash flow12.2 +193.7%Buybacks−1.8Dividends paid−3.0
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.6 13.2 25.1 16.4 5.4 13.1
Capital expenditure −1.1 −2.1 −1.1 −3.4 −1.3 −0.9
Free cash flow −0.5 11.1 24.0 13.0 4.1 12.2
Growth +115.6% −45.8% −68.1% +193.7%
Buybacks n/a n/a n/a n/a 0.0 −1.8
Dividends paid n/a 0.0 −2.0 −2.9 −3.0 −3.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2020Cash80.2Shareholders’ equity78.0Fiscal year 2021Cash166.5Shareholders’ equity122.5Fiscal year 2022Cash149.9Shareholders’ equity172.6Fiscal year 2023Cash192.6Shareholders’ equity185.9Fiscal year 2024Cash162.9Shareholders’ equity196.6Fiscal year 2025Cash208.9Shareholders’ equity200.3
FY2020FY2021FY2022FY2023FY2024FY2025
Cash 80.2 166.5 149.9 192.6 162.9 208.9
Shareholders’ equity 78.0 122.5 172.6 185.9 196.6 200.3

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 30 Sep 2020 FY2021 30 Sep 2021 FY2022 30 Sep 2022 FY2023 30 Sep 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
20.0% 22.8% 22.8% 24.9% 24.6% 24.8%
Returns
6.4% 8.9% 13.6% 8.2% 6.3% 3.7%
0.6% 0.7% 1.3% 0.7% 0.5% 0.3%
Balance and payout
90.8% 91.7% 90.6% 91.4% 91.5% 91.6%
n/a 0.0% 8.7% 19.3% 24.0% 40.2%
n/a 0.0% 8.5% 22.5% 71.4% 39.7%