ScoreComparison
Why is Hanover Bancorp, Inc. ?
1
Flat results in Mar 26
- NET PROFIT(HY) At USD 1.87 MM has Grown at -64.51%
- CREDIT DEPOSIT RATIO(HY) Lowest at 98.53%
- GROSS NPA (%)(Q) Highest at 1.23%
2
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.57% over the previous quarter and currently hold 1.33% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
3
Underperformed the market in the last 1 year
- The stock has generated a return of 11.20% in the last 1 year, much lower than market (S&P 500) returns of 22.99%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Hanover Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Hanover Bancorp, Inc.
11.2%
2.03
23.79%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
68.87%
EBIT Growth (5y)
56.13%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
39.83%
Pledged Shares
0
Institutional Holding
32.92%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
0.76
EV to EBIT
9.82
EV to EBITDA
5.72
EV to Capital Employed
0.54
EV to Sales
0.44
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
5.52%
ROE (Latest)
3.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 16.36 MM
CASH AND EQV(HY)
Highest at USD 110.63 MM
PRE-TAX PROFIT(Q)
At USD 2.97 MM has Grown at 68.27%
-11What is not working for the Company
NET PROFIT(HY)
At USD 1.87 MM has Grown at -64.51%
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.53%
GROSS NPA (%)
(Q
Here's what is working for Hanover Bancorp, Inc.
NII
Highest at USD 16.36 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
At USD 2.97 MM has Grown at 68.27%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 110.63 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Hanover Bancorp, Inc.
Net Profit
At USD 1.87 MM has Grown at -64.51%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 1.23%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 98.53% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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