Stock Ratings / Financials / HNVR / dividends

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Hanover Bancorp Inc. (HNVR) Dividend Safety Gauge & 10-Year DRIP Compounder

$23.34 -1.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.25

Hanover Bancorp Inc. (HNVR) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $166.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HNVR Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HNVR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Hanover Bancorp Inc. (NASDAQ: HNVR) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $23.34 (-1.10% 1D, market cap $166.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, HNVR ranks #231 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HNVR compare to BAFN and EBMT in the Financials sector?

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Within the Financials sector (Major Banks), HNVR carries a Roarable C+ (67/100 RQD), trailing P/E of 22.2x, gross margin of —, and ROIC of 3.7%. By comparison, BAFN (BayFirst Financial Corp.) holds a D grade (47/100 RQD, P/E N/A, ROIC -30.1%, cap $166.4M) and EBMT (Eagle Bancorp Montana Inc.) posts a B- grade (71/100 RQD, P/E 11.5x, ROIC 7.7%, cap $170.1M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HNVR?

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Per HNVR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828588), Hanover Bancorp Inc. generated $0 in revenue, $7.5M in net income, and $12.2M in free cash flow against $2.38B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.25 (-0.39%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HNVR)Realized 20D OHLCV Swing Band: ±9.9%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY HNVR SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 41% of 52W Range • RSI-14 at 35.8 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$24.48-1.4% Next Q

Q2 (-2Q)

Grade B$24.13-1% Next Q

Q3 (-1Q)

Grade B$23.88-2.3% Next Q

Current

Grade C+$23.34+1.6% Hist 90D α

Trajectory: B+ (75) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HNVR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, HNVR faces multiple-compression risk if 22.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($25.65) or 200D SMA ($23.91) invalidates the momentum regime and cuts Target Base ($24.29) toward Bear Floor ($18.95).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HNVR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HNVR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.61% Total Yield

1.81% Cash ($0.42/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

16.1% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $22,819

Est. Year-10 Shareholder Yield: $824/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.8K

Yr 2

$12.8K

Yr 3

$13.9K

Yr 4

$15.1K

Yr 5

$16.4K

Yr 6

$17.8K

Yr 7

$19.3K

Yr 8

$21.0K

Yr 9

$22.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in HNVR & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on HNVR and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HNVR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.60%📐 HORIZONTAL RANGE

2026-10-30O $20.96H $23.60L $20.96C $23.34VOL 16.7K

RES: $26.57SUP: $22.24SMA50: $25.65SMA200: $23.91

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HNVR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HNVR Butterfly Map → + Track HNVR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

15.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HNVR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HNVR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HNVR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HNVR)

Financials Rank #231 of 1096 ⚔️ BAFN vs HNVR Full Matrix →

1. Head-to-Head Financials Peer Comparison (HNVR vs. BAFN, EBMT, MNSB, FINW)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hanover Bancorp Inc. (HNVR) ranks #231 by composite RQD confidence (67/100, grade C+) and #915 by equity capitalization ($166.5M). Within this direct 5-issuer industry benchmark cohort, MNSB leads on earnings valuation at 9.8x trailing P/E, while FINW leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. EBMT currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with HNVR at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HNVR ACTIVE Hanover Bancorp Inc.	C+	67/100	22.2x	—	3.7%	-1.10%	$166.5M	Benchmark Subject
BAFN BayFirst Financial Corp.	D	47/100	—	—	-30.1%	-6.00%	$166.4M	/bafn-vs-hnvr →
EBMT Eagle Bancorp Montana Inc.	B-	71/100	11.5x	—	7.7%	-0.70%	$170.1M	/ebmt-vs-hnvr →
MNSB MainStreet Bancshares Inc.	C	64/100	9.8x	—	7.1%	-0.88%	$153.0M	/mnsb-vs-hnvr →
FINW FinWise Bancorp	D	47/100	11.5x	—	8.3%	-1.05%	$185.1M	/finw-vs-hnvr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001828588

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hanover Bancorp Inc. (HNVR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $7.5M, operating cash flow of $13.1M, and free cash flow of $12.2M (+193.7% YoY). On the balance sheet, HNVR closed FY2025 with $2.38B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$7.5M	$13.1M	$12.2M	$2.38B	—
FY2024 (FY)	2024-12-31	$0	$12.3M	$5.4M	$4.1M	$2.31B	—
FY2023 (FY)	2023-09-30	$0	$15.2M	$16.4M	$16.4M	—	—

3. HNVR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HNVR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does HNVR compare to BAFN and EBMT in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for HNVR?

Where is HNVR trading relative to its 50-day, 200-day, and 52-week technical levels?

HNVR last traded at $23.34 (-1.10% on volume of 16,728 shares), positioning the stock -9.01% below its 50-day simple moving average ($25.65) and -2.38% below its 200-day simple moving average ($23.91). Across its 52-week range of $20.19 to $27.94, HNVR sits at the 40.6% percentile with a 14-day RSI of 35.8 (NEUTRAL RANGE) and an implied next-earnings move of ±9.9% ($21.03 to $25.65).

HNVR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does HNVR pay a dividend and is it safe?

Hanover Bancorp Inc. (HNVR) offers a 1.81% cash dividend yield ($0.42 annualized) and 3.61% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: HNVR RQD Cockpit HNVR 12M Forecast HNVR Earnings & Move HNVR Dividends & DRIP HNVR Insiders & 13F HNVR Whale Options HNVR Profit Sankey HNVR News & Why

ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

HNVR — Hanover Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline

As of: 2026-11-02T14:21Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, Hanover Bancorp Inc. (HNVR) carries a composite score of 67/100 (C+ — Roarable Hold — Upper Neutral / Watch for Breakout) at a current price of $23.34 (-1.10%). Fundamental cash generation scores 12/20 (ROIC 3.7%, FCF yield 7.32%), institutional 13F whale accumulation scores 11/20, insider conviction scores 15/20, macro regime alignment scores 16/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 4/9).

Investor Implication: At 22.2x trailing P/E and 20.6x forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $20.19 – $27.94.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Major Banks (Financials), HNVR is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

HNVR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hanover Bancorp Inc. (HNVR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HNVR Debate Forum (3) ↓

🟢 CATALYST Yahoo • 4d ago

Here's Why Hanover Bancorp (HNVR) is Poised for a Turnaround After Losing 7.8% in 4 Weeks

Hanover Bancorp (HNVR) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Hanover Bancorp (HNVR) Reports Q3 Earnings: What Key Metrics Have to Say

Although the revenue and EPS for Hanover Bancorp (HNVR) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimate

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Hanover Bancorp, Inc. (HNVR) Meets Q3 Earnings Estimates

Hanover Bancorp (HNVR) delivered earnings and revenue surprises of 0.00% and -3.74%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Read Full Source ↗

🟢 CATALYST Yahoo • 5d ago

Hanover Bancorp, Inc. Reports Third Quarter 2026 Results Highlighted by Increased Net Interest Income and Strong Loan Growth; Declares $0.10 Quarterly Cash Dividend

Third Quarter Performance Highlights Net Income: Net income for the quarter ended September 30, 2026 totaled $4.3 million or $0.60 per diluted share (including Series A preferred shares), versus $4.1 million or $0.55 per

Read Full Source ↗

🔴 RISK WATCH Benzinga • 5d ago

Hanover Bancorp Q3 Adj. EPS $0.60, Inline, Sales $19.280M Miss $20.033M Estimate

Hanover Bancorp (NASDAQ:HNVR) reported quarterly earnings of $0.60 per share which met the analyst consensus estimate. This is a 27.66 percent increase over earnings of $0.47 per share from the same period last year.

Read Full Source ↗

🟢 CATALYST Yahoo • 11d ago

Hanover Bancorp, Inc. (HNVR) Earnings Expected to Grow: Should You Buy?

Hanover Bancorp (HNVR) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 11d ago

ConnectOne Bancorp (CNOB) Tops Q3 Earnings and Revenue Estimates

ConnectOne (CNOB) delivered earnings and revenue surprises of +11.77% and +0.66%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HNVR Bull vs. Bear Conversation Board — What's Your Call at $23.34?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HNVR 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $25.21 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is HNVR (C+ • RQD 67/100) a Buy at $23.34?

Welcome to the HNVR (Hanover Bancorp Inc.) Roar Pit. Current RQD Composite is 67/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $18.67 (-20.0%)

Spot @ $23.34

Pump the brakes on HNVR — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on HNVR, but look at what you are paying: 22.2x trailing P/E with tightening sector spreads. Unless Hanover Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $27.54 (+18.0%)

Spot @ $23.34

HNVR cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on HNVR, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $23.34 (52-wk range $20.19 - $27.94), any beat on forward guidance forces shorts and underweight funds to chase.