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Hanover BancorpHNVR -0.04%67 FCF Margin % is 92.00% as of Jun. 2026, which is 396% above its 10-year median of 18.56. 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 1,496 Banks companies, Hanover Bancorp ranks better than 62.23% on this metric.
The historical data trend for Hanover Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanover Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hanover Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 92.00% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hanover Bancorp and its competitors. This is 396% above median its historical median of 18.56. According to the industry distribution chart, Hanover Bancorp ranks #565 out of 1496 companies in the Banks industry, placing it in the top 37.8%.
Is Hanover Bancorp's FCF Margin % too high?
Hanover Bancorp's current FCF Margin % of 92.00% is 396% above median its 10-year median of 18.56. The Banks industry median FCF Margin % is 27.28. Hanover Bancorp's value of 92.00% is 237.2% above this industry median. Based on the distribution chart, Hanover Bancorp ranks #565 out of 1496 companies in the Banks industry, which is above 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 FCF Margin % compare to PFLC and TRCY?
According to the Banks industry distribution chart, Hanover Bancorp ranks #565 out of 1496 companies for FCF Margin %. This puts Hanover Bancorp in the upper half of its industry. The industry median FCF Margin % is 27.28. Hanover Bancorp's value of 92.00% is 237.2% above this benchmark. While the company's 10-year median is 18.56 vs. the industry median of 27.28, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.28, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanover Bancorp's current FCF Margin % of 92.00% is 237.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hanover Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanover Bancorp's current FCF Margin % is 92.00%, which is 396% above median its own 10-year median of 18.56. 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 FCF Margin % is 92.00%, which is 396% above median its 10-year median of 18.56 and 237.2% above the Banks industry median of 27.28. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Hanover Bancorp (HNVR), the current FCF Margin % is 92.00% as of Jun. 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:
FCF Margin %: 92.00% (396% above median its 10-year median of 18.56)
GF Value™: $23.04 vs. price of $26.94 (16.9% above fair value)
Industry Position: 237.2% above the Banks median (#565 of 1496)
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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