Hanover Bancorp reported a net margin of 20.30% for the quarter ended Jun 2026. These financial ratios cover 26 quarters of results from Mar 2020 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||
| EBT Margin | 51.79% | 48.06% | 43.40% | 41.55% | 40.93% | 41.40% | 26.61% | 27.58% | 28.46% | 32.75% | 19.67% | 9.61% | 18.43% | 25.93% | 0.73% | 15.54% | 27.69% | |||||||||
| EBIT Margin | 60.96% | 55.70% | 50.28% | 50.20% | 58.26% | 85.23% | 97.50% | 111.31% | 121.13% | 150.83% | 138.51% | 108.78% | 112.43% | 124.62% | 90.91% | 98.92% | 105.86% | |||||||||
| EBITDA Margin | 60.96% | 55.70% | 50.28% | 50.20% | 58.26% | 85.23% | 97.50% | 111.31% | 121.13% | 150.83% | 138.51% | 108.78% | 112.43% | 124.62% | 90.91% | 98.92% | 105.86% | |||||||||
| Net Margin | 39.75% | 36.56% | 32.09% | 30.48% | 30.36% | 30.76% | 19.55% | 19.46% | 20.30% | 23.77% | 14.23% | 8.04% | 12.96% | 18.90% | 0.22% | 9.55% | 20.30% | |||||||||
| FCF Margin | 30.58% | 35.21% | 16.58% | 43.37% | 41.48% | 31.36% | 1.18% | 23.02% | 16.63% | 19.91% | -3.77% | 0.30% | 9.14% | 13.51% | 43.11% | -14.12% | 92.00% | |||||||||
| Efficiency | ||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 1,069.01M | 1,471.41M | 1,467.43M | 1,543.22M | 1,724.91M | 1,911.88M | 2,027.71M | 2,096.75M | 2,135.66M | 2,209.80M | 2,288.78M | 2,319.30M | 2,329.46M | 2,319.96M | 2,301.82M | 2,301.75M | 2,321.78M | 2,357.34M | 2,377.02M | 2,353.79M | ||||||
| Invested CapitalInvested Cap. | 466.33M | 380.43M | 310.95M | 305.87M | 400.66M | 678.75M | 479.04M | 795.11M | 570.23M | 467.37M | 512.10M | 512.64M | 468.62M | 436.94M | 436.95M | 439.21M | 428.01M | 426.46M | 380.02M | 356.60M | ||||||
| Asset Utilization RatioAsset Util. | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | |||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 6.64 | 7.30 | 7.31 | 5.81 | 3.36 | 1.94 | 1.38 | 1.33 | 1.31 | 1.28 | 1.17 | 1.10 | 1.20 | 1.26 | 1.01 | 1.19 | 1.35 | |||||||||
| Debt Ratio | 0.23 | 0.17 | 0.12 | 0.09 | 0.12 | 0.25 | 0.14 | 0.29 | 0.18 | 0.12 | 0.14 | 0.14 | 0.12 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 | 0.08 | 0.07 | ||||||
| Times Interest Earned | 6.64 | 7.30 | 7.31 | 5.81 | 3.36 | 1.94 | 1.38 | 1.33 | 1.31 | 1.28 | 1.17 | 1.10 | 1.20 | 1.26 | 1.01 | 1.19 | 1.35 | |||||||||
| Dividends & Payouts | ||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 6.91 | 7.77 | 7.04 | 4.19 | 4.13 | 4.31 | 5.32 | 3.22 | 1.97 | 3.17 | 4.55 | 0.05 | 2.45 | 5.35 | ||||||||||||
| FCF Payout RatioFCF Cover | 0.10 | 0.09 | 0.14 | 3.97 | 0.20 | 0.28 | 0.22 | -1.17 | 13.38 | 0.45 | 0.31 | 0.10 | -0.28 | 0.04 | ||||||||||||
| Dividend YieldDiv. Yield | 0.49% | 0.52% | 0.50% | 0.57% | 1.16% | 1.70% | 0.69% | 1.26% | 0.47% | 0.45% | 0.46% | 0.46% | 0.48% | 0.45% | ||||||||||||
| Payout Ratio | 0.14 | 0.13 | 0.14 | 0.24 | 0.24 | 0.23 | 0.19 | 0.31 | 0.51 | 0.32 | 0.22 | 18.59 | 0.41 | 0.19 | ||||||||||||
| Valuation | ||||||||||||||||||||||||||
| Price to EarningsP/E | 29.39 | 24.92 | 28.41 | 42.08 | 20.94 | 13.70 | 27.35 | 24.76 | 107.40 | 69.51 | 47.45 | 0.00M | 84.66 | 41.41 | ||||||||||||
| Price to SalesP/S | 8.96 | 7.56 | 8.74 | 8.23 | 4.07 | 2.78 | 6.50 | 3.52 | 8.63 | 9.01 | 8.97 | 8.87 | 8.09 | 8.41 | ||||||||||||
| Price to BookP/B | 0.89 | 0.81 | 0.82 | 0.72 | 0.69 | 0.70 | 0.69 | 0.57 | 0.62 | 0.67 | 0.84 | 0.81 | 0.83 | 0.80 | 0.82 | 0.77 | 0.81 | |||||||||
| Enterprise Value | 15.17M | -10.65M | -6.53M | -75.10M | -85.43M | -62.91M | -50.29M | -59.10M | -53.44M | -38.18M | -17.96M | -1.71M | 0.83M | -6.10M | -48.50M | -40.95M | 22.28M | |||||||||
| EV to EBIT | 1.82 | -0.99 | -0.46 | -4.90 | -2.46 | -1.11 | -2.37 | -1.16 | -0.09 | 0.04 | -0.27 | -2.87 | -2.17 | 1.08 | ||||||||||||
| EV to EBITDA | 1.82 | -0.99 | -0.46 | -4.90 | -2.46 | -1.11 | -2.37 | -1.16 | -0.09 | 0.04 | -0.27 | -2.87 | -2.17 | 1.08 | ||||||||||||
| Market Capitalization | 149.14M | 139.30M | 145.77M | 129.26M | 126.94M | 129.71M | 126.92M | 107.33M | 117.60M | 127.97M | 164.89M | 158.53M | 165.36M | 161.47M | 164.90M | 154.51M | 164.53M | |||||||||
| Price to FCFP/FCF | 20.66 | 18.23 | 27.87 | 698.70 | 17.69 | 16.71 | 32.65 | -93.41 | 0.00M | 98.55 | 66.39 | 20.57 | -57.29 | 9.14 | ||||||||||||
| EV to FCF | 2.10 | -1.39 | -1.25 | -405.92 | -11.91 | -8.11 | -17.98 | 42.45 | -30.50 | 0.49 | -2.51 | -6.05 | 15.18 | 1.24 | ||||||||||||
| EV to CFO | 2.02 | -1.36 | -1.07 | -52.88 | -9.07 | -6.09 | -16.44 | -108.40 | -6.01 | 0.47 | -2.22 | -5.88 | 16.30 | 1.21 | ||||||||||||
| Return Ratios | ||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 60.96% | 55.70% | 50.28% | 50.20% | 58.26% | 85.23% | 97.50% | 111.31% | 121.13% | 150.83% | 138.51% | 108.78% | 112.43% | 124.62% | 90.91% | 98.92% | 105.86% | |||||||||
| Return on Invested Capital [ROIC]ROIC | 3.05% | 4.87% | 6.97% | 9.44% | 8.24% | 6.02% | 6.48% | 8.94% | 13.24% | 19.96% | 23.49% | 25.40% | 19.26% | 19.01% | 14.08% | 13.75% | 15.37% | |||||||||
| Return on Assets [ROA]ROA | 1.02% | 1.08% | 1.34% | 1.61% | 1.37% | 1.17% | 0.97% | 0.99% | 1.16% | 1.02% | 1.08% | 0.88% | 0.56% | 0.53% | 0.32% | 0.33% | 0.40% |