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Hanover Bancorp Inc (HNVR) Ratios
Hanover Bancorp Inc Ratios
HNVR's free cash flow for Q2 2026 was $18.63M. For the 2026 fiscal year, HNVR's free cash flow was increased by $184.00K and operating cash flow was $18.44M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Sep 23 | Sep 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.13 | 0.13 | 0.35 | 177.30 | 130.51 |
| Quick Ratio | 0.13 | 0.13 | 0.35 | 177.30 | 130.51 |
| Cash Ratio | 0.10 | 0.08 | 0.17 | 163.88 | 117.25 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.00 | 0.01 | 27.38 | 10.23 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.92B | $ -1.85B | $ -1.56B | $ -1.51B | $ -1.19B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.06 | 0.06 | 0.10 | 0.07 | 0.12 |
| Debt-to-Equity Ratio | 0.68 | 0.72 | 1.16 | 0.73 | 1.50 |
| Debt-to-Capital Ratio | 0.40 | 0.42 | 0.54 | 0.42 | 0.60 |
| Long-Term Debt-to-Capital Ratio | 0.39 | 0.40 | 0.42 | 0.42 | 0.60 |
| Financial Leverage Ratio | 11.90 | 11.76 | 11.56 | 10.66 | 12.12 |
| Debt Service Coverage Ratio | 0.17 | 0.20 | 0.37 | 3.53 | 1.77 |
| Interest Coverage Ratio | 0.14 | 0.20 | 0.40 | 4.25 | 2.02 |
| Debt to Market Cap | 0.73 | 0.78 | 1.07 | 1.09 | 1.87 |
| Interest Debt Per Share | 27.58 | 29.91 | 37.77 | 22.01 | 40.93 |
| Net Debt to EBITDA | -5.17 | -1.05 | 0.98 | -0.73 | 2.12 |
| Profitability Margins | |||||
| Gross Profit Margin | 43.91% | 42.79% | 52.60% | 84.96% | 84.69% |
| EBIT Margin | 6.95% | 11.04% | 17.72% | 39.45% | 27.01% |
| EBITDA Margin | 9.84% | 13.65% | 20.79% | 41.71% | 29.85% |
| Operating Profit Margin | 6.95% | 11.04% | 17.72% | 39.45% | 27.01% |
| Pretax Profit Margin | 6.95% | 11.04% | 17.72% | 39.45% | 27.01% |
| Net Profit Margin | 5.22% | 8.32% | 13.31% | 30.47% | 20.86% |
| Continuous Operations Profit Margin | 5.22% | 8.32% | 13.31% | 30.47% | 20.86% |
| Net Income Per EBT | 75.23% | 75.38% | 75.12% | 77.25% | 77.22% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.31% | 0.53% | 0.71% | 1.28% | 0.73% |
| Return on Equity (ROE) | 3.74% | 6.28% | 8.16% | 13.65% | 8.86% |
| Return on Capital Employed (ROCE) | 2.82% | 4.60% | 2.03% | 1.66% | 0.95% |
| Return on Invested Capital (ROIC) | 2.12% | 3.47% | 1.26% | 11.32% | 4.89% |
| Return on Tangible Assets | 0.32% | 0.54% | 0.71% | 1.30% | 0.74% |
| Earnings Yield | 4.34% | 7.23% | 11.91% | 20.31% | 11.01% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.17 | 12.52 | 10.71 | 9.05 | 5.56 |
| Payables Turnover | 46.17 | 55.40 | 29.64 | 12.70 | 6.18 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.01 | 9.67 | 4.34 | 5.35 | 3.47 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.38 | 0.47 | 0.40 |
| Cash Conversion Cycle | 22.09 | 22.56 | 21.77 | 11.62 | 6.59 |
| Days of Sales Outstanding | 30.00 | 29.15 | 34.09 | 40.35 | 65.69 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 7.91 | 6.59 | 12.31 | 28.73 | 59.10 |
| Operating Cycle | 30.00 | 29.15 | 34.09 | 40.35 | 65.69 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.75 | 0.80 | 2.33 | 4.13 | 2.83 |
| Free Cash Flow Per Share | 1.63 | 0.62 | 1.85 | 3.95 | 2.38 |
| Dividend Paid and CapEx Coverage Ratio | 3.37 | 1.39 | 2.59 | 7.92 | 6.35 |
| Capital Expenditure Coverage Ratio | 15.02 | 4.57 | 4.81 | 22.33 | 6.35 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.04 | 0.08 | 0.20 | 0.07 |
| Operating Cash Flow to Sales Ratio | 0.09 | 0.04 | 0.14 | 0.32 | 0.25 |
| Free Cash Flow Yield | 7.06% | 2.70% | 10.20% | 20.63% | 11.28% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 23.11 | 13.81 | 8.40 | 4.92 | 9.08 |
| Price-to-Sales (P/S) Ratio | 1.20 | 1.15 | 1.12 | 1.50 | 1.89 |
| Price-to-Book (P/B) Ratio | 0.86 | 0.87 | 0.69 | 0.67 | 0.80 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 14.17 | 37.06 | 9.80 | 4.85 | 8.86 |
| Price-to-Operating Cash Flow Ratio | 13.23 | 28.94 | 7.77 | 4.63 | 7.47 |
| Price-to-Earnings Growth (PEG) Ratio | -0.58 | -0.71 | -0.19 | 0.08 | 0.10 |
| Enterprise Value Multiple | 7.08 | 7.38 | 6.36 | 2.86 | 8.46 |
| Enterprise Value | 99.80M | 149.39M | 150.63M | 92.34M | 131.42M |
| EV to EBITDA | 7.08 | 7.38 | 6.36 | 2.86 | 8.46 |
| EV to Sales | 0.70 | 1.01 | 1.32 | 1.19 | 2.53 |
| EV to Free Cash Flow | 8.19 | 32.43 | 11.59 | 3.86 | 11.83 |
| EV to Operating Cash Flow | 7.65 | 25.33 | 9.18 | 3.69 | 9.96 |
| Tangible Book Value Per Share | 23.37 | 23.12 | 23.00 | 24.51 | 21.24 |
| Shareholders’ Equity Per Share | 26.80 | 26.56 | 26.40 | 28.46 | 26.24 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.25 | 0.25 | 0.23 | 0.23 |
| Revenue Per Share | 19.18 | 20.04 | 16.18 | 12.75 | 11.14 |
| Net Income Per Share | 1.00 | 1.67 | 2.15 | 3.88 | 2.32 |
| Tax Burden | 0.75 | 0.75 | 0.75 | 0.77 | 0.77 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.18 | 0.19 | 0.26 | 0.28 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Income Quality | 1.74 | 0.48 | 1.08 | 1.06 | 1.22 |
Currency in USD
