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Hanover BancorpHNVR -0.04%67 Net Margin % is 20.77% as of Jun. 2026, which is 1% below its 10-year median of 20.99. 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 1,523 Banks companies, Hanover Bancorp ranks worse than 85.49% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Hanover Bancorp's Net Income for the
three
months ended in Jun. 2026 was $4.06 Mil. Hanover Bancorp's Revenue for the
three
months ended in Jun. 2026 was $19.57 Mil. Therefore, Hanover Bancorp's net margin for the quarter that ended in Jun. 2026 was 20.77%.
The historical rank and industry rank for Hanover Bancorp's Net Margin % or its related term are showing as below:
HNVR'
s Net Margin % Range Over the Past 10 Years
Min: 10.21 Med: 20.99 Max: 33.59
Current: 12.57
HNVR's Net Margin % is ranked worse than 85.49% of 1523
companies
in the Banks industry
Industry Median: 27.3
vs HNVR: 12.57
Hanover Bancorp (NAS:HNVR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hanover Bancorp Net Margin % Related Terms
Hanover Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Hanover Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanover Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hanover Bancorp's Net 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 Net Margin % of 20.77% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hanover Bancorp and its competitors. This is near median its historical median of 20.99. Over the past decade, Hanover Bancorp's Net Margin % has ranged from 10.21 to 33.59. According to the industry distribution chart, Hanover Bancorp ranks #1302 out of 1523 companies in the Banks industry, placing it in the top 85.5%.
Is Hanover Bancorp's Net Margin % too high?
Hanover Bancorp's current Net Margin % of 20.77% is near median its 10-year median of 20.99. Over the past 10 years, this metric has ranged from a low of 10.21 to a high of 33.59. The Banks industry median Net Margin % is 27.30. Hanover Bancorp's value of 20.77% is 23.9% below this industry median. Based on the distribution chart, Hanover Bancorp ranks #1302 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to PFLC and TRCY?
According to the Banks industry distribution chart, Hanover Bancorp ranks #1302 out of 1523 companies for Net Margin %. This places Hanover Bancorp in the lower half of its industry. The industry median Net Margin % is 27.30. Hanover Bancorp's value of 20.77% is 23.9% below this benchmark. Historically, Hanover Bancorp's own Net Margin % has ranged from 10.21 to 33.59 over the past decade. While the company's 10-year median is 20.99 vs. the industry median of 27.30, Hanover Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanover Bancorp's current Net Margin % of 20.77% is 23.9% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hanover Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanover Bancorp's current Net Margin % is 20.77%, which is near median its own 10-year median of 20.99. 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 Net Margin % is 20.77%, which is near median its 10-year median of 20.99 and 23.9% below the Banks industry median of 27.30. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hanover Bancorp (HNVR), the current Net Margin % is 20.77% 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:
Net Margin %: 20.77% (near median its 10-year median of 20.99)
GF Value™: $23.04 vs. price of $26.94 (16.9% above fair value)
Industry Position: 23.9% below the Banks median (#1302 of 1523)
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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