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HNVR Hanover Bancorp, Inc.
Banks, Insurers & Asset Managers
C 51.1 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
D+ 40

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 72.3%
  • Efficiency Ratio Trend -0.40 pp/yr

Capital Efficiency

Weight: 15%
D- 33
  • 5yr Avg ROE 8.1%
  • 5yr Share-Count CAGR 11.7%

Growth Quality

Weight: 15%
A- 84

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 26.6%
  • Efficiency Ratio Trend (growth quality check) -0.40 pp/yr
  • Revenue-Growth Years (5) 4/5

Cash Generation

Weight: 15%
D 34

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.07

Balance Sheet

Weight: 20%
B- 68

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 8.4%

Stability

Weight: 10%
C- 49
  • EPS Volatility (σ/μ) 0.53
  • Negative-Revenue Years (5) 1/5
  • Piotroski F-Score 5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.