Hanover Bancorp, Inc.

HNVR

HNVRHanover Bancorp, Inc. US flag

NASDAQ Global Select

24.66

USD

-0.21

- -

176.48MMarket Cap

Income Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2020	09/30/2021	09/30/2022	09/30/2023	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	28	45	70	63	- -	68	73
+ Sales & Services Revenue	28	45	70	63	- -	68	73
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	11	15	20	22	- -	27	29
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-11	-15	-20	-22	- -	-27	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-14	-30	-20	- -	-16	-10
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-14	-30	-20	- -	-16	-10
Pretax Income	6	14	30	20	- -	16	10
- Income Tax Expense (Benefit)	1	3	7	5	- -	4	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	5	11	24	15	- -	12	7
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	5	11	24	15	- -	12	7
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	5	11	24	15	- -	12	7
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	5	11	24	15	- -	12	7
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	2	3	- -	4	4
EBITDA Margin (%)	4.73	3.28	2.49	5.51	- -	5.65	5.66
EBITA	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	- -	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	17.46	24.08	33.59	23.94	- -	18.04	10.21
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	0.32	0.4	- -	0.4	0.4
Depreciation Expense	1	1	2	3	- -	4	4
Basic Weighted Avg Shares	7	5	6	7	- -	7	7
Basic EPS, GAAP	0.7	2.37	3.74	2.07	- -	1.67	1
Basic EPS from Cont Ops	0.7	2.37	3.74	2.07	- -	1.67	1
Diluted Weighted Avg Shares	7	5	6	7	- -	7	7
Diluted EPS, GAAP	0.7	2.33	3.68	2.05	- -	1.66	1
Diluted EPS from Cont Ops	0.7	2.33	3.68	2.05	- -	1.66	1

Balance Sheet (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2020	09/30/2021	09/30/2022	09/30/2023	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	86	159	162	203	238	247	246
+ Cash & Cash Equivalents	80	151	149	192	177	163	209
+ ST Investments	6	8	12	11	61	84	37
+ Accounts & Notes Receiv	7	9	9	11	12	12	12
+ Accounts Receivable, Net	7	9	9	11	12	12	12
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-93	-168	-170	-214	-250	-258	-258
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	14	15	14	16	16	15	14
+ Property, Plant & Equip	19	20	21	24	16	25	26
- Accumulated Depreciation	5	5	7	8	- -	10	11
+ LT Investments & Receivables	17	16	17	15	65	88	101
+ LT Investments	17	16	17	15	65	88	101
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-31	-31	-31	-31	-81	-103	-115
+ Total Intangible Assets	2	23	24	24	24	25	26
+ Goodwill	2	19	19	19	19	19	19
+ Other Intangible Assets	- -	4	5	5	5	6	7
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-33	-55	-55	-55	-105	-128	-141
Total Assets	852	1,485	1,840	2,150	2,270	2,312	2,383
+ Payables & Accruals	- -	1	1	2	2	2	2
+ Accounts Payable	- -	1	1	2	2	2	2
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-1	-1	-2	-2	-2	-2
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-1	-1	-2	-2	-2	-2
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	100	184	126	215	164	142	136
+ LT Borrowings	100	184	126	204	154	132	125
+ LT Finance Leases	- -	- -	- -	11	10	9	11
+ Other LT Liabilities	-100	-184	-126	-215	-164	-142	-136
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-100	-184	-126	-215	-164	-142	-136
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	774	1,362	1,667	1,964	2,085	2,115	2,183
+ Preferred Equity and Hybrid Capital	- -	- -	- -	3	3	5	5
+ Share Capital & APIC	64	97	127	126	126	125	124
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	64	97	127	126	126	125	123
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	14	25	46	59	59	68	72
+ Other Equity	- -	- -	-1	-1	-2	-1	-1
Equity Before Minority Interest	78	123	173	186	185	197	200
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	78	123	173	186	185	197	200
Total Liabilities & Equity	852	1,485	1,840	2,150	2,270	2,312	2,383
Shares Outstanding	7	7	7	7	7	7	7
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	11	10	9	11
Net Debt	20	33	-23	12	-23	-30	-83
Net Debt to Equity	25.54	26.85	-13.43	6.65	-12.5	-15.44	-41.66
Tangible Common Equity Ratio	8.94	6.79	8.19	7.48	7.02	7.27	7.19
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2020	09/30/2021	09/30/2022	09/30/2023	12/31/2023	12/31/2024	12/31/2025

+ Net Income	5	11	24	15	- -	12	7
+ Depreciation & Amortization	1	1	2	3	- -	4	4
+ Non-Cash Items	1	-3	-1	1	- -	-4	4
+ Stock-Based Compensation	1	1	2	2	- -	2	2
+ Deferred Income Taxes	- -	- -	1	1	- -	1	2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	-4	-4	-2	- -	-6	1
+ Chg in Non-Cash Work Cap	-7	3	1	-3	- -	-7	-3
+ (Inc) Dec in Accts Receiv	-4	2	1	-2	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	1	- -	- -	- -
+ Inc (Dec) in Other	-3	2	- -	-2	- -	-6	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	1	13	25	16	- -	5	13
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-2	-1	-3	- -	-1	-1
+ Acq of Fixed Prod Assets	-1	-2	-1	-3	- -	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	28	- -	- -	- -	-2
+ Increase in Capital Stock	- -	- -	28	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	-2
+ Net Change in LT Investment	-4	1	-1	- -	- -	-21	-11
+ Dec in LT Investment	1	6	7	- -	- -	601	119
+ Inc in LT Investment	-5	-5	-8	- -	- -	-623	-131
+ Net Cash From Acq & Div	- -	26	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	59	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-33	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-3	65	-372	-253	- -	-23	-16
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-7	90	-374	-256	- -	-45	-28
+ Dividends Paid	- -	- -	-2	-3	- -	-3	-3
+ Net Cash From Debt	-16	-175	-113	84	- -	-21	-7
+ Cash From Debt	40	24	- -	101	- -	20	- -
+ Repayments of Debt	-56	-199	-113	-17	- -	-41	-7
+ Other Financing Activities	15	158	419	201	- -	50	73
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-1	-17	332	283	- -	26	61
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-8	86	-17	43	- -	-14	46
EBITDA	1	1	2	3	- -	4	4
EBITDA Margin (%)	4.73	3.28	2.49	5.51	- -	5.65	5.66
Free Cash Flow	-1	11	24	13	- -	4	12
Net Cash Paid for Acquisitions	- -	-26	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-1	11	24	13	- -	4	12
Free Cash Flow to Equity	- -	-163	-89	100	- -	-15	5
Free Cash Flow per Basic Share	-0.07	2.43	3.8	1.78	- -	0.56	1.63
Price/Free Cash Flow	- -	- -	4.67	6.76	- -	25.46	12.41
Cash Flow to Net Income	0.11	1.22	1.06	1.08	- -	0.44	1.74
Capital Expenditures	-1	-2	-1	-3	- -	-1	-1