Hanover Bancorp, Inc.

HNVR

HNVRHanover Bancorp, Inc. US flag

NASDAQ Global Select

24.11

USD

+0.36

- -

170.07MMarket Cap

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	10.82	15.96	8.53	- -	6.61	3.87
Return on Assets (%)	- -	0.93	1.42	0.76	- -	0.54	0.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	- -	100	100
EBITDA Margin (%)	4.73	3.28	2.49	5.51	- -	5.65	5.66
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.81	31.19	43.49	31.87	- -	23.94	13.58
Profit Margin (%)	17.46	24.08	33.59	23.94	- -	18.04	10.21
Net Income to Common Margin (%)	17.46	24.08	33.59	23.94	- -	18.04	10.21
Effective Tax Rate (%)	19.95	22.78	22.75	24.88	- -	24.62	24.77
Dvd Payout Ratio (%)	- -	- -	8.67	19.32	- -	23.98	40.18
Sustainable Growth Rate (%)	- -	10.82	14.58	6.88	- -	5.03	2.32

Credit (USD)

Credit Ratios 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 Debt	100	184	126	215	164	142	136
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	100	184	126	215	164	142	136
Total Debt/EBITDA	74.29	124.77	72.43	61.67	- -	36.58	32.79
Net Debt/EBITDA	14.78	22.29	-13.29	3.54	- -	-7.85	-20.11
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.16	8.25	9.38	8.51	8.01	8.29	8.19
Long-Term Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Long-Term Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Long-Term Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Total Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Net Debt to Equity	25.54	26.85	-13.43	6.65	-12.5	-15.44	-41.66
Net Debt/Capital (%)	20.34	21.17	-15.51	5.91	-13.41	-17.32	-65.49
EBITDA	1	1	2	3	- -	4	4
EBITDA-CapEx	- -	-1	1	- -	- -	3	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.16	8.25	9.38	8.51	8.01	8.29	8.19
Long-Term Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Long-Term Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Long-Term Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Total Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
CFO/Total Liabilities	0.07	0.97	1.5	0.84	- -	0.26	0.6
CFO/CapEx	0.52	6.35	22.35	4.81	- -	4.21	15.02
Altman's Z-Score	0.06	0.05	0.12	0.11	0.07	0.12	0.12

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	5.59	7.83	6.6	- -	5.76	6.21
Days Sales Outstanding	- -	65.33	46.61	55.27	- -	63.38	58.81
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	139	130	127	165	165
- Cash & Cash Equivalents	80	151	149	192	177	163	209
+ Preferred Equity and Hybrid Capital	- -	- -	- -	3	3	5	5
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	100	184	126	215	164	142	136
Enterprise Value	14	25	104	145	56	65	60
Total Capital	178	307	299	401	349	338	336
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt / EV	7.21	7.32	1.22	1.48	2.94	2.18	2.26
EV/Sales	0.49	0.56	1.48	2.29	- -	0.95	0.82
EV/EBITDA	10.31	17.04	59.54	41.54	- -	16.77	14.5
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	24.55	1.91	4.14	8.84	- -	11.93	4.61
EV/Free Cash Flow to Firm	8.37	1.65	3.96	7.32	- -	9.64	4.32
Diluted Market Cap	- -	- -	122	134	- -	171	173
Diluted Enterprise Value	20	33	99	160	-10	155	105
EV per Share	1.93	3.5	14.25	20.23	7.76	9.07	8.43
TTM Sales	28	45	70	63	- -	68	73
TTM EBITDA	1	1	2	3	- -	4	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	13	25	16	- -	5	13
TTM Free Cash Flow to Firm	2	15	26	20	- -	7	14

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	4.67	6.76	- -	25.46	12.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	14	25	104	145	56	65	60
Low Price	- -	- -	19.07	17.37	17.22	13.62	17.47
EV/Sales	0.49	0.56	1.48	2.29	- -	0.95	0.82
EV/EBITDA	10.31	17.04	59.54	41.54	- -	16.77	14.5
Price/Earnings	- -	- -	5.12	8.73	- -	13.83	23.06
Price/Earnings Average	- -	- -	5.41	9.1	- -	10.82	22.53
Price/Earnings High	- -	- -	6.6	10.24	- -	16.28	26.94
Price/Earnings Low	- -	- -	5.1	8.38	- -	8.17	17.43
Price/Book Value	- -	- -	0.81	0.71	0.7	0.86	0.84
Price/Book Value Average	- -	- -	0.85	0.74	0.73	0.67	0.83
Price/Book Value High	- -	- -	1.04	0.83	0.82	1.01	0.99
Price/Book Value Low	- -	- -	0.81	0.68	0.68	0.51	0.64
Price/Tangible Book Value	- -	- -	0.94	0.82	0.8	0.99	0.97
Price/Tangible Book Value Average	- -	- -	0.99	0.85	0.84	0.78	0.95
Price/Tangible Book Value High	- -	- -	1.21	0.96	0.94	1.17	1.14
Price/Tangible Book Value Low	- -	- -	0.93	0.78	0.79	0.59	0.74
Price/Sales	- -	- -	1.72	2.09	- -	2.49	2.35
Price/Sales Average	- -	- -	1.82	2.18	- -	1.95	2.3
Price/Sales High	- -	- -	2.22	2.45	- -	2.94	2.75
Price/Sales Low	- -	- -	1.71	2.01	- -	1.47	1.78
Price/Cash Flow	- -	- -	4.8	8.07	- -	31.38	13.23
Price/Cash Flow Average	- -	- -	5.08	8.42	- -	24.56	12.93
Price/Cash Flow High	- -	- -	6.2	9.47	- -	36.94	15.46
Price/Cash Flow Low	- -	- -	4.79	7.75	- -	18.54	10
Price/Free Cash Flow Average	- -	- -	4.93	7.05	- -	19.92	12.13
Price/Free Cash Flow High	- -	- -	6.02	7.93	- -	29.97	14.5
Price/Free Cash Flow Low	- -	- -	4.65	6.49	- -	15.04	9.38
EV/Sales Average	0.7	0.73	1.77	2.55	- -	1.65	1.27
EV/Sales High	0.7	0.73	2.23	2.82	- -	2.6	1.7
EV/Sales Low	0.7	0.73	1.65	2.38	- -	1.19	0.78
EV/EBITDA Average	14.78	22.29	71.16	46.24	- -	29.14	22.48
EV/EBITDA High	14.78	22.29	89.81	51.08	- -	45.96	30.09
EV/EBITDA Low	14.78	22.29	66.38	43.18	- -	20.97	13.7
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	19.12	18.09	17.64	23.06	23.11
High Price	- -	- -	24.68	21.22	20.61	27.14	27
Enterprise Value Average	20	33	124	161	122	113	93
Enterprise Value High	20	33	157	178	139	178	125
Enterprise Value Low	20	33	116	151	114	81	57

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	10.82	15.96	8.53	- -	6.61	3.87
Return on Assets (%)	- -	0.93	1.42	0.76	- -	0.54	0.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	- -	100	100
EBITDA Margin (%)	4.73	3.28	2.49	5.51	- -	5.65	5.66
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.81	31.19	43.49	31.87	- -	23.94	13.58
Profit Margin (%)	17.46	24.08	33.59	23.94	- -	18.04	10.21
Net Income to Common Margin (%)	17.46	24.08	33.59	23.94	- -	18.04	10.21
Effective Tax Rate (%)	19.95	22.78	22.75	24.88	- -	24.62	24.77
Dvd Payout Ratio (%)	- -	- -	8.67	19.32	- -	23.98	40.18
Sustainable Growth Rate (%)	- -	10.82	14.58	6.88	- -	5.03	2.32

Credit (USD)

Credit Ratios 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 Debt	100	184	126	215	164	142	136
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	100	184	126	215	164	142	136
Total Debt/EBITDA	74.29	124.77	72.43	61.67	- -	36.58	32.79
Net Debt/EBITDA	14.78	22.29	-13.29	3.54	- -	-7.85	-20.11
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.16	8.25	9.38	8.51	8.01	8.29	8.19
Long-Term Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Long-Term Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Long-Term Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Total Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Net Debt to Equity	25.54	26.85	-13.43	6.65	-12.5	-15.44	-41.66
Net Debt/Capital (%)	20.34	21.17	-15.51	5.91	-13.41	-17.32	-65.49
EBITDA	1	1	2	3	- -	4	4
EBITDA-CapEx	- -	-1	1	- -	- -	3	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.16	8.25	9.38	8.51	8.01	8.29	8.19
Long-Term Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Long-Term Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Long-Term Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
Total Debt/Equity (%)	128.31	150.3	73.19	115.85	88.76	71.97	67.93
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt/Total Assets (%)	11.76	12.4	6.87	10.02	7.23	6.12	5.71
CFO/Total Liabilities	0.07	0.97	1.5	0.84	- -	0.26	0.6
CFO/CapEx	0.52	6.35	22.35	4.81	- -	4.21	15.02
Altman's Z-Score	0.06	0.05	0.12	0.11	0.07	0.12	0.12

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	5.59	7.83	6.6	- -	5.76	6.21
Days Sales Outstanding	- -	65.33	46.61	55.27	- -	63.38	58.81
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	139	130	127	165	165
- Cash & Cash Equivalents	80	151	149	192	177	163	209
+ Preferred Equity and Hybrid Capital	- -	- -	- -	3	3	5	5
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	100	184	126	215	164	142	136
Enterprise Value	14	25	104	145	56	65	60
Total Capital	178	307	299	401	349	338	336
Total Debt/Capital (%)	56.2	60.05	42.26	53.67	47.02	41.85	40.45
Total Debt / EV	7.21	7.32	1.22	1.48	2.94	2.18	2.26
EV/Sales	0.49	0.56	1.48	2.29	- -	0.95	0.82
EV/EBITDA	10.31	17.04	59.54	41.54	- -	16.77	14.5
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	24.55	1.91	4.14	8.84	- -	11.93	4.61
EV/Free Cash Flow to Firm	8.37	1.65	3.96	7.32	- -	9.64	4.32
Diluted Market Cap	- -	- -	122	134	- -	171	173
Diluted Enterprise Value	20	33	99	160	-10	155	105
EV per Share	1.93	3.5	14.25	20.23	7.76	9.07	8.43
TTM Sales	28	45	70	63	- -	68	73
TTM EBITDA	1	1	2	3	- -	4	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	13	25	16	- -	5	13
TTM Free Cash Flow to Firm	2	15	26	20	- -	7	14

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	4.67	6.76	- -	25.46	12.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	14	25	104	145	56	65	60
Low Price	- -	- -	19.07	17.37	17.22	13.62	17.47
EV/Sales	0.49	0.56	1.48	2.29	- -	0.95	0.82
EV/EBITDA	10.31	17.04	59.54	41.54	- -	16.77	14.5
Price/Earnings	- -	- -	5.12	8.73	- -	13.83	23.06
Price/Earnings Average	- -	- -	5.41	9.1	- -	10.82	22.53
Price/Earnings High	- -	- -	6.6	10.24	- -	16.28	26.94
Price/Earnings Low	- -	- -	5.1	8.38	- -	8.17	17.43
Price/Book Value	- -	- -	0.81	0.71	0.7	0.86	0.84
Price/Book Value Average	- -	- -	0.85	0.74	0.73	0.67	0.83
Price/Book Value High	- -	- -	1.04	0.83	0.82	1.01	0.99
Price/Book Value Low	- -	- -	0.81	0.68	0.68	0.51	0.64
Price/Tangible Book Value	- -	- -	0.94	0.82	0.8	0.99	0.97
Price/Tangible Book Value Average	- -	- -	0.99	0.85	0.84	0.78	0.95
Price/Tangible Book Value High	- -	- -	1.21	0.96	0.94	1.17	1.14
Price/Tangible Book Value Low	- -	- -	0.93	0.78	0.79	0.59	0.74
Price/Sales	- -	- -	1.72	2.09	- -	2.49	2.35
Price/Sales Average	- -	- -	1.82	2.18	- -	1.95	2.3
Price/Sales High	- -	- -	2.22	2.45	- -	2.94	2.75
Price/Sales Low	- -	- -	1.71	2.01	- -	1.47	1.78
Price/Cash Flow	- -	- -	4.8	8.07	- -	31.38	13.23
Price/Cash Flow Average	- -	- -	5.08	8.42	- -	24.56	12.93
Price/Cash Flow High	- -	- -	6.2	9.47	- -	36.94	15.46
Price/Cash Flow Low	- -	- -	4.79	7.75	- -	18.54	10
Price/Free Cash Flow Average	- -	- -	4.93	7.05	- -	19.92	12.13
Price/Free Cash Flow High	- -	- -	6.02	7.93	- -	29.97	14.5
Price/Free Cash Flow Low	- -	- -	4.65	6.49	- -	15.04	9.38
EV/Sales Average	0.7	0.73	1.77	2.55	- -	1.65	1.27
EV/Sales High	0.7	0.73	2.23	2.82	- -	2.6	1.7
EV/Sales Low	0.7	0.73	1.65	2.38	- -	1.19	0.78
EV/EBITDA Average	14.78	22.29	71.16	46.24	- -	29.14	22.48
EV/EBITDA High	14.78	22.29	89.81	51.08	- -	45.96	30.09
EV/EBITDA Low	14.78	22.29	66.38	43.18	- -	20.97	13.7
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	19.12	18.09	17.64	23.06	23.11
High Price	- -	- -	24.68	21.22	20.61	27.14	27
Enterprise Value Average	20	33	124	161	122	113	93
Enterprise Value High	20	33	157	178	139	178	125
Enterprise Value Low	20	33	116	151	114	81	57

Shares Outstanding	7	7	7	7	7	7	7
Diluted Weighted Avg Shares	7	5	6	7	- -	7	7
Basic Weighted Avg Shares	7	5	6	7	- -	7	7
Revenue per Share	4.01	9.85	11.13	8.65	- -	9.24	9.81
EBITDA per Share	0.19	0.32	0.28	0.48	- -	0.52	0.56
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	0.32	0.4	- -	0.4	0.4
Cash Flow per Share	0.08	2.88	3.98	2.24	- -	0.73	1.75
Free Cash Flow per Basic Share	-0.07	2.43	3.8	1.78	- -	0.56	1.63
Cash & Equivalents per Share	11.99	22.1	22.21	28.31	33.09	34.48	34.45
Book Value per Share	10.85	17.03	23.69	25.51	25.28	26.79	27.36
Tangible Book Value per Share	10.56	13.79	20.41	22.17	21.92	23.23	23.76

Hanover Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)