Hanover Bancorp, Inc. cash flow to debt ratio of 9.59% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Hanover Bancorp, Inc.'s free cash flow has increased 164.42% from $4.61M last year to $12.18M, signaling increasing performance

Hanover Bancorp, Inc.'s debt to equity ratio is 0.50, which means that the company's assets are healthy financed, signaling financial stability.

Hanover Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.72 last year to 0.50 today, signaling strengthened financials

Hanover Bancorp, Inc. has a net cash position, so leverage is healthy.

Hanover Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Hanover Bancorp, Inc.'s profit margin has decreased (14.56%) in the last year from 8.32% to 7.11%, signaling decreasing performance

Hanover Bancorp, Inc.'s short-term liabilities of $2.03B exceed its short-term assets of $260.86M, signaling financial risk

Hanover Bancorp, Inc.'s return on assets of 0.40% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hanover Bancorp, Inc.'s return on equity of 4.69%, is lower than 15.00%, indicating bad performance

Hanover Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hanover Bancorp, Inc. has insufficient public price history to evaluate earnings stability.

Hanover Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Hanover Bancorp, Inc. has a free cash flow yield of 6.29%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hanover Bancorp, Inc.'s yearly earnings has decreased 39.35% since last year from $12.35M to $7.49M, signaling decreasing performance

Hanover Bancorp, Inc.'s yearly revenue has decreased 3.40% since last year from $148.36M to $143.32M, signaling decreasing performance

ROIC 0.15% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hanover Bancorp, Inc.'s 3-year revenue CAGR of 22.85% is positive, indicating growing revenue over the past 3 years

Hanover Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Hanover Bancorp, Inc. has insufficient public price history to evaluate ROE consistency.

Hanover Bancorp, Inc. has insufficient data to evaluate this check.

Hanover Bancorp, Inc. has an earnings yield of 4.72%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hanover Bancorp, Inc. is overvalued relative to its fair value price of 21.29 based on EBITDA multiple model

Hanover Bancorp, Inc. has an EV/EBITDA ratio of 5.94x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Hanover Bancorp, Inc. has insufficient data to evaluate this check.

Hanover Bancorp, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Hanover Bancorp, Inc. has a price-to-book ratio of 0.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hanover Bancorp, Inc. has a price-to-sales ratio of 1.51x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue