Hanover Bancorp, Inc. (HNVR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$27.35+1.98%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HNVR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -25.5% |
| Our one-year growth estimate | diamond | -24.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
HNVR — officer change
Dated 2026-06-01
The filing describes the approval of a new equity incentive plan, not a management change.
Why it matters: A drop in sector revenue growth may show bigger problems. These could affect Hanover's performance.
Worry ifSector revenue growth reported below 15%.
Less concerning ifSector revenue growth remains above 15%.
Why it matters: If sector revenue growth drops below its median, it may impact Hanover's performance.
Worry ifSector revenue growth stays above its median, helping Hanover's growth.
Less concerning ifSector revenue growth falls below its median, showing wider challenges.
Why it matters: Keeping the dividend shows financial stability and care for shareholders. A cut may mean trouble.
Supportive ifThe company confirms a $0.10 dividend payout for Q3 2026.
Worry ifThe company announces a reduction in the dividend payout for Q3 2026.
Why it matters: Net income keeps growing. This shows that the company is improving operations. This can help investors feel more confident.
Supportive ifQ2 net income increases year over year by more than 50% from $1.87 million.
Worry ifQ2 net income growth is less than 50% year over year or declines.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$72 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $206 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,521 loss on $10,000 · 15.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend payout shows the company cares about its shareholders. A change might make investors nervous.
Watch forThe company maintains a dividend of $0.1 per share for Q2.
Also watch forThe company reduces or suspends the dividend payout for Q2.
Why it matters: Kevin O'Connor's experience may help growth and client ties. His leadership could boost performance.
Supportive ifLook for positive changes in client growth or loans after O'Connor's appointment.
Worry ifNo change in key performance metrics since O'Connor started on July 27, 2026.
Why it matters: Growth in operating income shows that the company is improving efficiency. This can attract more investors.
Supportive ifQ2 operating income increases year over year by more than 50% from $2.97 million.
Worry ifQ2 operating income growth is less than 50% year over year or declines.
Why it matters: Growth in net interest income shows strong profits and good management.
Supportive ifQ3 net interest income exceeds $17.2 million, which is a 2.5% growth from Q2.
Worry ifQ3 net interest income is under $16.8 million. This shows a slowdown.
Why it matters: Opening the new branch is important. It helps grow the market and gain customers.
Supportive ifThe Riverhead branch opens as planned in Q3 2026.
Worry ifThe opening of the Riverhead branch is delayed beyond Q3 2026.
Why it matters: Share buybacks can signal management's confidence and support stock price.
Supportive ifThe company announces the start of share repurchases under the new program.
Worry ifNo share repurchases occur by the end of 2026.
Why it matters: Higher net income shows growth and good cost management.
Supportive ifQ3 net income surpasses $4.1 million, showing strong performance.
Worry ifQ3 net income is below $4.1 million. This may show some problems.