Stock Ratings / Financials / HNVR / options

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Hanover Bancorp Inc. (HNVR) Options Positioning, Max Pain & Unusual Sweeps

$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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±9.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HNVR)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HNVR.

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Whale Flow & Momentum Playbook: Evaluating HNVR & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on HNVR
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

What is HNVR's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for HNVR.

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