Hanover BancorpHNVR -1.77%67 EV-to-FCF is 11.16 as of Jul. 04, 2026, which is 5% below its 10-year median of 11.80. GuruFocus rates HNVR with a GF Score™ of 67/100 and a GF Value™ of $21.66 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,193 Banks companies, Hanover Bancorp ranks worse than 66.14% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hanover Bancorp's Enterprise Value is $105.23 Mil.
Hanover Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $9.43 Mil. Therefore, Hanover Bancorp's EV-to-FCF for today is 11.16.
The historical rank and industry rank for Hanover Bancorp's EV-to-FCF or its related term are showing as below:
HNVR'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.26 Med: 11.8 Max: 169.57
Current: 11.16
During the past 6 years, the highest EV-to-FCF of Hanover Bancorp was 169.57. The lowest was 3.26. And the median was 11.80.
HNVR's EV-to-FCF is ranked worse than 66.14% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs HNVR: 11.16
EV-to-FCF 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-FCF 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 $23.34.
Hanover Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.050.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hanover Bancorp EV-to-FCF Related Terms
Hanover Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Hanover Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Hanover Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hanover Bancorp's EV-to-FCF falls into.
Hanover Bancorp's current Enterprise Value is $105.23 Mil.
Hanover Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.43 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-FCF of 11.16 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hanover Bancorp and its competitors. This is near median its historical median of 11.80. Over the past decade, Hanover Bancorp's EV-to-FCF has ranged from 3.26 to 169.57. According to the industry distribution chart, Hanover Bancorp ranks #789 out of 1193 companies in the Banks industry, placing it in the top 66.1%.
Is Hanover Bancorp's EV-to-FCF too high?
Hanover Bancorp's current EV-to-FCF of 11.16 is near median its 10-year median of 11.80. Over the past 10 years, this metric has ranged from a low of 3.26 to a high of 169.57. The Banks industry median EV-to-FCF is 6.61. Hanover Bancorp's value of 11.16 is 68.8% above this industry median. Based on the distribution chart, Hanover Bancorp ranks #789 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, Hanover Bancorp has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hanover Bancorp's EV-to-FCF compare to UBAB and NODB?
According to the Banks industry distribution chart, Hanover Bancorp ranks #789 out of 1193 companies for EV-to-FCF. This places Hanover Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.61. Hanover Bancorp's value of 11.16 is 68.8% above this benchmark. Historically, Hanover Bancorp's own EV-to-FCF has ranged from 3.26 to 169.57 over the past decade. While the company's 10-year median is 11.80 vs. the industry median of 6.61, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanover Bancorp's current EV-to-FCF of 11.16 is 68.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hanover Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanover Bancorp's current EV-to-FCF is 11.16, which is near median its own 10-year median of 11.80. 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 Fairly Valued. The stock's GF Value™ is $21.66, compared to a current price of $23.34 — trading 7.8% above its estimated fair value. The current EV-to-FCF is 11.16, which is near median its 10-year median of 11.80 and 68.8% above the Banks industry median of 6.61. Hanover Bancorp's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Hanover Bancorp (HNVR), the current EV-to-FCF is 11.16 as of Jul. 04, 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 $23.34 is trading 7.8% above its estimated GF Value™ of $21.66.
GuruFocus considers Hanover Bancorp to be Fairly Valued.
Key valuation signals for HNVR:
EV-to-FCF: 11.16 (near median its 10-year median of 11.80)
GF Value™: $21.66 vs. price of $23.34 (7.8% above fair value)
Industry Position: 68.8% above the Banks median (#789 of 1193)
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
Get the complete analysis for HNVR
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HNVR has been successfully added to your 
