HNVR · Hanover Bancorp, Inc. /MD

Track HNVR — free

$27.06 -0.02 (-0.07%) At close · Aug 21

Market Cap

$190.92M

7.06M

Up next

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Fair Quant / Vol Low

Market backdrop VIX 15.1 · calm Equity put/call 0.51

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +17%

above

Price vs 50-day avg +8%

above

RSI (14) 60

neutral

MACD trend Negative

52-week position 91%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +8%

trailing

6-month return +28%

trailing

YTD return +17%

this year

Relative strength +17%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $25 › 200d $23 — 50d above 200d

Institutional flow Accumulating

+21% holders QoQ · +19 funds added

Insider flow Distributing

Net -$150.4K over 90 days · 50% sells

Short interest Rising

1.43% of float · ▲ +11.6% MoM · 1.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

68 holders — near 1-yr high, broad support

Squeeze score 47

elevated · 0–100

Fundamentals

Fair

EPS growth −40%

Y/Y

Free cash flow $12.2M

Valuation P/E 21.3

rich

Balance sheet $208.9M

net cash

Quant / Vol

risk profile

Low

Volatility 23%

annualized · 1-yr

Max drawdown −16%

past year

ATR 2.7%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Prior guidance period ended · from the 8-K filed Oct 30, 2025

Normalized effective tax rate · for the remainder of the year 25%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

1 · 3 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+17% Bullish

Price vs 50-day avg

+8% Bullish

RSI (14)

60 Neutral

MACD trend

Negative Bearish

52-week position

91% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $25 › 200d $23 — 50d above 200d

Institutional flow Accumulating

+21% holders QoQ · +19 funds added

Insider flow Distributing

Net -$150.4K over 90 days · 50% sells

Short interest Rising

1.43% of float · ▲ +11.6% MoM · 1.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

68 holders — near 1-yr high, broad support

Price context

position in its 52-week range

Range low $20 Now $27 · 91% Range high $28

vs 200-day avg +17% vs 50-day avg +8%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted (non-GAAP) diluted EPS non-GAAP	$0.58	the quarter ended June 30, 2026	—
Adjusted (non-GAAP) net income non-GAAP	8.3M	the six months ended June 30, 2026	—
Adjusted (non-GAAP) return on average assets non-GAAP	0.73%	the six months ended June 30, 2026	—
Adjusted (non-GAAP) return on average stockholders' equity non-GAAP	8.2%	the six months ended June 30, 2026	—

Adjusted (non-GAAP) return on average tangible equity non-GAAP	9.07%	the six months ended June 30, 2026	—

Adjusted pre-provision net revenue return on average assets non-GAAP	1.11%	the quarter ended June 30, 2026	—
Allowance for credit losses as a percentage of total loans	0.96%	As of June 30, 2026	—
Book value per share	$27.66	the quarter ended June 30, 2026	—
Commercial real estate concentration ratio	346%	the quarter ended June 30, 2026	—

Demand deposits	254.3M	the quarter ended June 30, 2026	—
Loan to deposit ratio	99%	the quarter ended June 30, 2026	—

Loans sold during the quarter	35.53M	6/30/2026	—
Net interest margin	3.03%	the six months ended June 30, 2026	—

Non-performing loans as a percentage of total loans outstanding	1.42%	As of June 30, 2026	—
Period-end core deposits/total deposits ratio	74.84%	6/30/2026	—
Pre-provision net revenue return on average assets	1.06%	the quarter ended June 30, 2026	—
Return on average assets	0.73%	the quarter ended June 30, 2026	—

Return on average stockholders' equity	5.89%	the six months ended June 30, 2026	—

Return on average tangible equity	6.51%	the six months ended June 30, 2026	—

Shares remaining available for repurchase under the Company's stock repurchase program	171,729	As of June 30, 2026	—

Shares repurchased	112,346	six months ended June 30, 2026	—

Tangible assets (non-GAAP) non-GAAP	2.32B	6/30/2026	—
Tangible book value per share (including Series A preferred shares) non-GAAP	$25.02	As of June 30, 2026	—
Tangible common equity (non-GAAP) non-GAAP	183.41M	6/30/2026	—
TCE ratio (non-GAAP) non-GAAP	7.91%	6/30/2026	—
Insured and collateralized deposits as percentage of total deposits	85%	Q4 2025	—
Operating efficiency ratio	66.46%	Q4 2025	—
Pre-provision net revenue non-GAAP	$6.2M	Q4 2025	—
Pre-provision net revenue as a percentage of average assets non-GAAP	1.08%	Q4 2025	—
Undrawn liquidity as percentage of uninsured deposit balances	255%	Q4 2025	—
Undrawn liquidity sources	$776.9M	Q4 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
HNVR Hanover Bancorp, Inc. /MD this stock	$190.92M	+17.1%	—	21.3	1.4%
MFG Mizuho Financial Group Inc	$124.89B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.23B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

% held: 25.8%
Net QoQ: -90.4K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

View

Short & Settlement

Short Interest Rising

Shares short

100.9K

Days to cover: 1.6d
Change: +10.5K sh

View

Short Volume

Short vol %

62%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

265

Value: $5.9K
As of: Jun 2, 2026

View

Off-Exchange

Off-exchange %

25.5%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$150.4K

Buyers / Sellers: 1 / 1

Buyers Sellers

View

Financials

Net income (FY)

$7.5M

EPS diluted: $1.00

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 12

View

Proposed Sales

Value

$114.2K

Shares: 5.0K
Filed: May 9, 2025

View

Exempt Offerings

Offering

$35.0M

Filed: Mar 26, 2026

View

Earnings & Events

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
HNVR	-1.7%	+8.2%	+28.4%	+3.1%	+17.1%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-0.3%	+4.6%	+16.8%	+0.6%	+4.8%

Capital returns

Latest dividend

$0.10 / share · ex Aug 6, 2026

Paid (TTM)

$0.40 / share · 4 payouts

Dividend yield (TTM, derived)

1.48%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1828588 CUSIP 410709109 13F (30d) 61 filings 60 filers Visit website Investor relations

HNVR · Hanover Bancorp, Inc. /MD

Price & Indicators

Up next

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns