HNVR
ACHAT TOTAL: 10000 titres (~268800 USD)
- Insiders
- O''Connor Kevin M
- Total bought
- $268,800
- Total sold
- —
- Last activity
- 2026-07-30
- Last synced
-
2026-08-09 12:58:10
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-09
Despite a meaningful INSIDER_CLUSTER_BUY signal (newly appointed President purchasing $268k post strong Q2 earnings), HNVR's financial foundation is critically fragile, with a current ratio of ~0.13 and an interest…
The first sentence of the analysis written for HNVR on 2026-08-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 43.9% | 42.8% | 52.6% | 85.0% | 84.7% | |
| Ebit Margin | 6.9% | 11.0% | 17.7% | 39.4% | 27.0% | |
| Ebitda Margin | 9.8% | 13.6% | 20.8% | 41.7% | 29.8% | |
| Operating Profit Margin | 6.9% | 11.0% | 17.7% | 39.4% | 27.0% | |
| Pretax Profit Margin | 6.9% | 11.0% | 17.7% | 39.4% | 27.0% | |
| Continuous Operations Profit Margin | 5.2% | 8.3% | 13.3% | 30.5% | 20.9% | |
| Net Profit Margin | 5.2% | 8.3% | 13.3% | 30.5% | 20.9% | |
| Bottom Line Profit Margin | 5.2% | 8.1% | 12.8% | 29.3% | 20.4% | |
| Current Ratio | 0.128 | 0.134 | 0.133 | 0.114 | 0.148 | |
| Quick Ratio | 0.128 | 0.134 | 0.133 | 0.114 | 0.148 | |
| Solvency Ratio | 0.005 | 0.008 | 0.009 | 0.015 | 0.009 | |
| Cash Ratio | 0.103 | 0.083 | 0.093 | 0.098 | 0.130 | |
| Price To Earnings Ratio | 23.110 | 13.808 | 8.739 | 5.112 | 9.095 | |
| Price To Earnings Growth Ratio | -0.576 | -0.715 | -0.196 | 0.084 | 0.096 | |
| Forward Price To Earnings Growth Ratio | -0.576 | -0.715 | -0.196 | 0.084 | 0.096 | |
| Price To Earnings Diluted Ratio | 23.110 | 13.892 | 8.824 | 5.196 | 9.254 | |
| Price To Earnings Diluted Growth Ratio | -0.581 | -0.730 | -0.199 | 0.085 | 0.101 | |
| Price To Book Ratio | 0.862 | 0.868 | 0.689 | 0.672 | 0.804 | |
| Price To Sales Ratio | 1.205 | 1.151 | 1.118 | 1.500 | 1.894 | |
| Price To Free Cash Flow Ratio | 14.174 | 41.160 | 9.802 | 4.847 | 8.865 | |
| Price To Operating Cash Flow Ratio | 13.230 | 31.384 | 7.766 | 4.629 | 7.468 | |
| Debt To Assets Ratio | 0.057 | 0.061 | 0.072 | 0.069 | 0.124 | |
| Debt To Equity Ratio | 0.679 | 0.720 | 0.888 | 0.732 | 1.503 | |
| Debt To Capital Ratio | 0.405 | 0.419 | 0.470 | 0.423 | 0.600 | |
| Long Term Debt To Capital Ratio | 0.385 | 0.403 | 0.454 | 0.423 | 0.600 | |
| Financial Leverage Ratio | 11.900 | 11.758 | 12.282 | 10.662 | 12.117 | |
| Working Capital Turnover Ratio | -0.083 | -0.089 | -0.076 | -0.066 | -0.116 | |
| Operating Cash Flow Ratio | 0.006 | 0.003 | 0.009 | 0.016 | 0.011 | |
| Operating Cash Flow Sales Ratio | 0.091 | 0.037 | 0.144 | 0.324 | 0.254 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.933 | 0.762 | 0.792 | 0.955 | 0.842 | |
| Debt Service Coverage Ratio | 0.166 | 0.203 | 0.369 | 3.526 | 1.769 | |
| Interest Coverage Ratio | 0.142 | 0.205 | 0.399 | 4.250 | 2.017 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.096 | 0.038 | 0.100 | 0.198 | 0.072 | |
| Capital Expenditure Coverage Ratio | 15.018 | 4.211 | 4.814 | 22.325 | 6.345 | |
| Dividend Paid And Capex Coverage Ratio | 3.365 | 1.279 | 2.589 | 7.917 | 6.345 | |
| Dividend Payout Ratio | 0.402 | 0.240 | 0.193 | 0.087 | 0.000 | |
| Enterprise Value Multiple | 7.076 | 7.378 | 4.845 | 2.878 | 8.463 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 43.9% | ▲1.1% | ▼-17.9% |
| Ebit Margin | 7.0% | ▼-4.1% | ▼-13.5% |
| Ebitda Margin | 9.8% | ▼-3.8% | ▼-13.3% |
| Operating Profit Margin | 7.0% | ▼-4.1% | ▼-13.5% |
| Pretax Profit Margin | 7.0% | ▼-4.1% | ▼-13.5% |
| Continuous Operations Profit Margin | 5.2% | ▼-3.1% | ▼-10.4% |
| Net Profit Margin | 5.2% | ▼-3.1% | ▼-10.4% |
| Bottom Line Profit Margin | 5.2% | ▼-2.8% | ▼-10.0% |
| Current Ratio | 0.129 | ▼-0.005 | ▼-0.003 |
| Quick Ratio | 0.129 | ▼-0.005 | ▼-0.003 |
| Solvency Ratio | 0.005 | ▼-0.002 | ▼-0.004 |
| Cash Ratio | 0.103 | ▲0.020 | ▲0.002 |
| Price To Earnings Ratio | 23.110 | ▲9.302 | ▲11.137 |
| Price To Earnings Growth Ratio | -0.576 | ▲0.139 | ▼-0.315 |
| Forward Price To Earnings Growth Ratio | -0.576 | ▲0.139 | ▼-0.315 |
| Price To Earnings Diluted Ratio | 23.110 | ▲9.218 | ▲11.055 |
| Price To Earnings Diluted Growth Ratio | -0.581 | ▲0.149 | ▼-0.316 |
| Price To Book Ratio | 0.862 | ▼-0.006 | ▲0.083 |
| Price To Sales Ratio | 1.205 | ▲0.054 | ▼-0.169 |
| Price To Free Cash Flow Ratio | 14.174 | ▼-26.986 | ▼-1.596 |
| Price To Operating Cash Flow Ratio | 13.230 | ▼-18.154 | ▲0.335 |
| Debt To Assets Ratio | 0.057 | ▼-0.004 | ▼-0.020 |
| Debt To Equity Ratio | 0.679 | ▼-0.040 | ▼-0.225 |
| Debt To Capital Ratio | 0.405 | ▼-0.014 | ▼-0.059 |
| Long Term Debt To Capital Ratio | 0.385 | ▼-0.017 | ▼-0.068 |
| Financial Leverage Ratio | 11.900 | ▲0.141 | ▲0.156 |
| Working Capital Turnover Ratio | -0.083 | ▲0.006 | ▲0.003 |
| Operating Cash Flow Ratio | 0.006 | ▲0.004 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.091 | ▲0.054 | ▼-0.079 |
| Free Cash Flow Operating Cash Flow Ratio | 0.933 | ▲0.171 | ▲0.076 |
| Debt Service Coverage Ratio | 0.166 | ▼-0.037 | ▼-1.040 |
| Interest Coverage Ratio | 0.142 | ▼-0.063 | ▼-1.260 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.096 | ▲0.058 | ▼-0.005 |
| Capital Expenditure Coverage Ratio | 15.018 | ▲10.808 | ▲4.476 |
| Dividend Paid And Capex Coverage Ratio | 3.365 | ▲2.086 | ▼-0.934 |
| Dividend Payout Ratio | 0.402 | ▲0.162 | ▲0.218 |
| Enterprise Value Multiple | 7.076 | ▼-0.302 | ▲0.948 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $172.7M | $170.7M | $127.4M | $116.0M | $98.5M | |
| Enterprise value | $99.8M | $149.4M | $114.7M | $92.8M | $131.4M | |
| EV / Sales | 0.70x | 1.01x | 1.01x | 1.20x | 2.53x | |
| EV / Op. cash flow | 7.65x | 27.46x | 7.00x | 3.70x | 9.96x | |
| EV / Free cash flow | 8.19x | 36.02x | 8.83x | 3.88x | 11.83x | |
| EV / EBITDA | 7.08x | 7.38x | 4.84x | 2.88x | 8.46x | |
| Net debt / EBITDA | -5.17x | -1.05x | -0.53x | -0.72x | 2.12x | |
| Current ratio | 0.13x | 0.13x | 0.13x | 0.11x | 0.15x | |
| Income quality | 1.74x | 0.44x | 1.08x | 1.06x | 1.22x | |
| Graham number | $25 | $32 | $36 | $50 | $37 | |
| Graham net-net | -$258 | -$251 | -$261 | -$247 | -$256 | |
| Tax burden | 75.2% | 75.4% | 75.1% | 77.2% | 77.2% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.77B | -$1.69B | -$1.65B | -$1.36B | -$993.4M | |
| Invested capital | -$1.73B | -$1.65B | -$1.61B | -$1.32B | -$955.0M | |
| Return on assets | 0.3% | 0.5% | 0.7% | 1.3% | 0.7% | |
| Operating ROA | 0.4% | 0.7% | 1.0% | 1.8% | 1.2% | |
| Return on tangible assets | 0.3% | 0.5% | 0.7% | 1.3% | 0.7% | |
| Return on equity | 3.7% | 6.3% | 8.2% | 13.6% | 8.9% | |
| Return on invested capital | 2.1% | 3.5% | 4.2% | 7.6% | 3.4% | |
| Return on capital employed | 2.8% | 4.6% | 5.5% | 9.8% | 4.4% | |
| Earnings yield | 4.3% | 7.2% | 11.9% | 20.3% | 11.0% | |
| Free cash flow yield | 7.1% | 2.4% | 10.2% | 20.6% | 11.3% | |
| Capex / Op. cash flow | 6.7% | 23.7% | 20.8% | 4.5% | 15.8% | |
| Capex / Depreciation | 20.9% | 32.9% | 97.6% | 64.3% | 140.9% | |
| Capex / Sales | 0.6% | 0.9% | 3.0% | 1.5% | 4.0% | |
| SG&A / Sales | 24.9% | 18.2% | 19.2% | 25.9% | 28.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 1.1% | 1.6% | 2.2% | 1.7% | |
| Intangibles / Total assets | 1.1% | 1.1% | 1.1% | 1.3% | 1.6% | |
| Days sales outstanding | 30d | 29d | 38d | 40d | 66d | |
| Days payables outstanding | 8d | 7d | 12d | 29d | 59d | |
| Operating cycle | 30d | 29d | 38d | 40d | 66d | |
| Cash conversion cycle | 22d | 23d | 27d | 12d | 7d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+1.1%EV / Sales ▼-30.9%EV / EBITDA ▼-4.1%EV / Op. cash flow ▼-19.815Earnings yield ▼-0.029Graham number ▼-6.982
Profitability
Return on equity ▼-0.025Return on assets ▼-0.002Return on invested capital ▼-0.013Return on capital employed ▼-0.018Operating ROA ▼-0.003Income quality ▲+1.302Tax burden ▼-0.002
Efficiency
Days sales outstanding ▲+0.849Days payables outstanding ▲+1.317Operating cycle ▲+0.849Cash conversion cycle ▼-0.468Capex / Sales ▼-0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.005Net debt / EBITDA ▼-4.113Working capital ▼-75293000.000Invested capital ▼-76067000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+75.3%EV / Sales ▼-72.4%EV / EBITDA ▼-16.4%EV / Op. cash flow ▼-2.315Earnings yield ▼-0.067Graham number ▼-12.459
Profitability
Return on equity ▼-0.051Return on assets ▼-0.004Return on invested capital ▼-0.013Return on capital employed ▼-0.016Operating ROA ▼-0.008Income quality ▲+0.527Tax burden ▼-0.020
Efficiency
Days sales outstanding ▼-35.690Days payables outstanding ▼-51.195Operating cycle ▼-35.690Cash conversion cycle ▲+15.504Capex / Sales ▼-0.034R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.020Net debt / EBITDA ▼-7.286Working capital ▼-775913000.000Invested capital ▼-774257000.000Intangibles / Total assets ▼-0.005
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-23 Hanover Bancorp, Inc. Reports Second Quarter 2026 Results Highlighted by Increased Net Interest Income and Margin Expansion Declares $0.10 Quarterly Cash Dividend Second Quarter Performance Highlights Net Income: Net income for the quarter ended June 30, 2026 totaled $4.1 million or $0.55 per diluted share (including Series A preferred shares), versus $1.9 million or $0.25 per diluted share (including Series A preferred shares) in the quarter ended March 31, 2026 and $2.4 million or $0.33 per diluted share (including Series A preferred shares) in the quarter ended June 30, 2025. Adjusted (non-GAAP) net income (excluding debt extinguishment charges and severance expenses) was $4.3 million or $0.58 per diluted share for the quarter ended June 30, 2026, versus adjusted (non-GAAP) net income (excluding severance expenses) of $4.0 million or $0.54 per diluted share in the prior linked quarter and net income of $2.4 million or $0.33 per diluted share in the comparable 2025 quarter (which included no adjustments).
- 2026-07-20 Hanover Bancorp, Inc. Appoints Kevin O''Connor President MINEOLA, N.Y., July 20, 2026 (GLOBE NEWSWIRE) -- Hanover Bancorp, Inc. (NASDAQ: HNVR) (“the Company”) and Hanover Community Bank (the “Bank”), announced that they have named Kevin O''Connor to the position of President of the Company and the Bank effective July 27, 2026.