Hanover Bancorp, Inc. cash flow to debt ratio of 9.59% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Hanover Bancorp, Inc.'s free cash flow has increased 164.42% from $4.61M last year to $12.18M, signaling increasing performance

Hanover Bancorp, Inc.'s debt to equity ratio is 0.63, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Hanover Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.72 last year to 0.63 today, signaling strengthened financials

Hanover Bancorp, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Hanover Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Hanover Bancorp, Inc.'s profit margin has decreased (-32.23%) in the last year from 8.32% to 5.64%, signaling decreasing performance

Hanover Bancorp, Inc.'s short-term liabilities of $2.03G exceed its short-term assets of $260.86M, signaling financial risk

Hanover Bancorp, Inc.'s return on assets of 0.33% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hanover Bancorp, Inc.'s return on equity of 3.91%, is lower than 15.00%, indicating bad performance

Hanover Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hanover Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Hanover Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Hanover Bancorp, Inc. has a free cash flow yield of 7.32%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hanover Bancorp, Inc.'s yearly earnings has decreased -39.35% since last year from $12.35M to $7.49M, signaling decreasing performance

Hanover Bancorp, Inc.'s yearly revenue has decreased -3.40% since last year from $148.36M to $143.32M, signaling decreasing performance

ROIC 1.70% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hanover Bancorp, Inc.'s 3-year revenue CAGR of 22.85% is positive, indicating growing revenue over the past 3 years

Hanover Bancorp, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance

Hanover Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Hanover Bancorp, Inc. has insufficient data to evaluate this check.

Hanover Bancorp, Inc. has an earnings yield of 4.54%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hanover Bancorp, Inc. is overvalued relative to its fair value price of 21.29 based on EBITDA multiple model

Hanover Bancorp, Inc. has an EV/EBITDA ratio of 7.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Hanover Bancorp, Inc. is undervalued relative to its fair value price of 62.74 based on Earnings Fair Value model

Hanover Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Hanover Bancorp, Inc. has a price-to-book ratio of 0.86x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hanover Bancorp, Inc. has a price-to-sales ratio of 1.20x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue