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Hanover BancorpHNVR -0.04%67 EV-to-OCF is 5.78 as of Aug. 27, 2026, which is 44% below its 10-year median of 10.33. GuruFocus rates HNVR with a GF Score™ of 67/100 and a GF Value™ of $23.04 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, Hanover Bancorp ranks worse than 56.43% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Hanover Bancorp's Enterprise Value is $155.54 Mil.
Hanover Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $26.93 Mil. Therefore, Hanover Bancorp's EV-to-OCF for today is 5.78.
The historical rank and industry rank for Hanover Bancorp's EV-to-OCF or its related term are showing as below:
HNVR'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.03 Med: 10.33 Max: 73.04
Current: 5.78
During the past 6 years, the highest EV-to-OCF of Hanover Bancorp was 73.04. The lowest was 3.03. And the median was 10.33.
HNVR's EV-to-OCF is ranked worse than 56.43% of 1492
companies
in the Banks industry
Industry Median: 3.865
vs HNVR: 5.78
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hanover Bancorp's PE Ratio (TTM) for today is calculated as:
Hanover Bancorp's share price for today is $26.94.
Hanover Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.270.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hanover Bancorp EV-to-OCF Related Terms
Hanover Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Hanover Bancorp's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Hanover Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hanover Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Hanover Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Hanover Bancorp's EV-to-OCF falls into.
Hanover Bancorp's current Enterprise Value is $155.54 Mil.
Hanover Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $26.93 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hanover Bancorp (HNVR) has a EV-to-OCF of 5.78 as of Aug. 27, 2026. This is 44% below median its historical median of 10.33. Over the past decade, Hanover Bancorp's EV-to-OCF has ranged from 3.03 to 73.04. According to the industry distribution chart, Hanover Bancorp ranks #842 out of 1492 companies in the Banks industry, placing it in the top 56.4%.
Is Hanover Bancorp's EV-to-OCF too high?
Hanover Bancorp's current EV-to-OCF of 5.78 is 44% below median its 10-year median of 10.33. Over the past 10 years, this metric has ranged from a low of 3.03 to a high of 73.04. The Banks industry median EV-to-OCF is 3.87. Hanover Bancorp's value of 5.78 is 49.5% above this industry median. Based on the distribution chart, Hanover Bancorp ranks #842 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Hanover Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hanover Bancorp's EV-to-OCF compare to PFLC and TRCY?
According to the Banks industry distribution chart, Hanover Bancorp ranks #842 out of 1492 companies for EV-to-OCF. This places Hanover Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.87. Hanover Bancorp's value of 5.78 is 49.5% above this benchmark. Historically, Hanover Bancorp's own EV-to-OCF has ranged from 3.03 to 73.04 over the past decade. While the company's 10-year median is 10.33 vs. the industry median of 3.87, Hanover Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.87, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanover Bancorp's current EV-to-OCF of 5.78 is 49.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanover Bancorp's current EV-to-OCF is 5.78, which is 44% below median its own 10-year median of 10.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hanover Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Hanover Bancorp (HNVR) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.04, compared to a current price of $26.94 — trading 16.9% above its estimated fair value. The current EV-to-OCF is 5.78, which is 44% below median its 10-year median of 10.33 and 49.5% above the Banks industry median of 3.87. Hanover Bancorp's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Hanover Bancorp (HNVR), the current EV-to-OCF is 5.78 as of Aug. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hanover Bancorp (HNVR) Overvalued in 2026?
Based on GuruFocus' analysis, Hanover Bancorp stock appears to be overvalued.
The current stock price of $26.94 is trading 16.9% above its estimated GF Value™ of $23.04.
GuruFocus considers Hanover Bancorp to be Modestly Overvalued.
Key valuation signals for HNVR:
EV-to-OCF: 5.78 (44% below median its 10-year median of 10.33)
GF Value™: $23.04 vs. price of $26.94 (16.9% above fair value)
Industry Position: 49.5% above the Banks median (#842 of 1492)
No single metric tells the full story. See the HNVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hanover Bancorp Inc is a community commercial bank focused on providing personalized and efficient services and products tailored to local needs. The Bank offers a full range of financial services, including a complete suite of consumer, commercial, and municipal banking products such as multifamily and commercial mortgages, government-guaranteed loans, residential loans, business loans, and lines of credit. In addition, it provides customers with access to 24-hour ATM services with no fees, interest-bearing free checking accounts, telephone banking, mobile and internet banking solutions for both consumer and business clients, and safe deposit boxes.
67GF Score
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