COMP <GO>
HNVR vs BAFN // DIVIDEND YIELD & FCF PAYOUT SAFETY
Hanover Bancorp Inc. (NASDAQ) VS. BayFirst Financial Corp. (NASDAQ) • 15-METRIC TALLY: HNVR 4
— BAFN 1
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: HNVR
LAST: $23.34 (-1.10%) • MKT CAP: $166.5M
dividend-safety
1.81%
LAST: $5.80 (-6.00%) • MKT CAP: $166.4M
dividend-safety
0.40%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HNVR VS. BAFN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HNVR | BAFN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.70% | -30.10% | +33.80 | HNVR | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.32% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 1.81% | 0.40% | +1.41 | HNVR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 3/9 | +1.00 | HNVR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 35.8 | 41.0 | -5.23 | BAFN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $166.5M | $166.4M | $147.4K | HNVR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HNVR REV | BAFN REV | HNVR GROSS % | BAFN GROSS % | HNVR FCF | BAFN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $12.2M | $288.5M |
| FY 2024 | $0 | $0 | — | — | $4.1M | $391.7M |
| FY 2023 | $0 | $0 | — | — | $16.4M | $454.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HNVR // BETA —
BAFN // BETA —