Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Hanover Bancorp, Inc. (HNVR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$21.79-5.30%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.05 → 2.96 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for HNVR yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Dividend stays at $0.1 per share quarterly | The company plans to keep paying a $0.1 dividend per share. | Intact | Dividend per share falls below $0.1 in any quarter | Dividend per share: $0.10 per share FY2026-Q3; GAAP. Published target: >= $0.1 per share. Target period is not explicitly aligned with this observation. Aug 7, 20260.1 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
HNVR is a small-cap regional bank with a measured growth and profitability-improvement thesis. Its thesis state is intact, and the recent signal shifted from mixed to mildly favorable, but earnings quality remains fragile and management execution is neutral overall.
HNVR is described as cheap versus peers, while the expectations gap is modestly negative, suggesting expectations are not especially demanding. The priced-in assessment is tagged justified, with low fragility because the evidence does not show a combination of expensive valuation, weak execution, and turbulence.
Near term, loan growth and improved operating efficiency support the business: loans rose to $2.1 billion at September 30, 2026, and the efficiency ratio improved to 64.3% in the third quarter. Net income also increased from the year-earlier quarter, while the latest earnings were in line; the main near-term risk is a guidance cut, and the small-cap history includes a deep miss.
Over the next few quarters, the thesis depends on continued loan growth, stronger profitability, and management maintaining guidance. A guidance cut or rate cuts from the current 3.88% could weigh on the setup, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.
For the next one to three years, HNVR presents a modestly favorable but still fragile banking thesis, supported by loan growth and improving efficiency. The key test is whether those gains continue without a guidance setback. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Hanover Bancorp grew net income to $1.87 million in 2026-Q1. |
| Intact |
| Net income falls below $1 million in any quarter after 2026-Q1 |
Net income: $4.064M FY2026-Q3; GAAP. Published target: >= $1.87 million. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Aug 7, 20264,064,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income rises to at least $2.97 million in 2026-Q1 | Operating income rose to $2.97 million in the same quarter. | Intact | Operating income falls below $1.5 million in any quarter after 2026-Q1 | Operating income: $5.419M FY2026-Q3; GAAP. Published target: >= $2.97 million. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Aug 7, 20265,419,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.88 → $2.96 · observed estimates
$0.09B → $0.09B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-25 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-26 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-27 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-28 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-29 | $2.88 | $89,300,000 | 2 / 2 |
| 2026-07-30 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-07-31 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-01 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-02 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-03 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-04 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-05 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-06 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-07 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-08 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-09 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-10 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-12 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-13 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-14 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-15 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-16 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-17 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-18 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-19 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-20 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-21 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-22 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-23 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-24 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-25 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-26 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-27 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-28 | $3.05 | $89,466,667 | 2 / 2 |
| 2026-08-29 | $3.07 | $89,600,000 | 2 / 2 |
| 2026-08-30 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-08-31 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-01 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-02 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-03 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-04 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-05 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-06 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-07 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-08 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-09 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-10 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-11 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-12 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-13 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-14 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-15 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-16 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-17 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-18 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-19 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-20 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-21 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-22 | $3.07 | $89,600,000 | 3 / 3 |
| 2026-09-23 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-24 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-25 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-26 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-27 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-28 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-29 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-09-30 | $3.04 | $89,325,000 | 3 / 3 |
| 2026-10-01 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-02 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-03 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-04 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-05 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-06 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-07 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-08 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-09 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-10 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-11 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-12 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-13 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-14 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-15 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-16 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-17 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-18 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-19 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-20 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-21 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-22 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-23 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-24 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-25 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-26 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-27 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-28 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-29 | $3.05 | $89,325,000 | 3 / 3 |
| 2026-10-30 | $3.05 | $88,825,000 | 3 / 3 |
| 2026-10-31 | $3.05 | $88,825,000 | 3 / 3 |
| 2026-11-01 | $3.05 | $88,825,000 | 3 / 3 |
| 2026-11-02 | $3.05 | $88,825,000 | 3 / 3 |
| 2026-11-03 | $3.02 | $88,100,000 | 3 / 3 |
| 2026-11-04 | $2.96 | $87,250,000 | 3 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.