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Hanover BancorpHNVR -0.04%67 OCF Margin % is 94.26% as of Jun. 2026, which is 331% above its 10-year median of 21.85. 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 better than 59.72% on this metric.
The historical data trend for Hanover Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanover Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Hanover Bancorp's OCF 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 OCF Margin % of 94.26% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hanover Bancorp and its competitors. This is 331% above median its historical median of 21.85. Over the past decade, Hanover Bancorp's OCF Margin % has ranged from 1.99 to 35.77. According to the industry distribution chart, Hanover Bancorp ranks #601 out of 1492 companies in the Banks industry, placing it in the top 40.3%.
Is Hanover Bancorp's OCF Margin % too high?
Hanover Bancorp's current OCF Margin % of 94.26% is 331% above median its 10-year median of 21.85. Over the past 10 years, this metric has ranged from a low of 1.99 to a high of 35.77. The Banks industry median OCF Margin % is 30.55. Hanover Bancorp's value of 94.26% is 208.6% above this industry median. Based on the distribution chart, Hanover Bancorp ranks #601 out of 1492 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 OCF Margin % compare to PFLC and TRCY?
According to the Banks industry distribution chart, Hanover Bancorp ranks #601 out of 1492 companies for OCF Margin %. This puts Hanover Bancorp in the upper half of its industry. The industry median OCF Margin % is 30.55. Hanover Bancorp's value of 94.26% is 208.6% above this benchmark. Historically, Hanover Bancorp's own OCF Margin % has ranged from 1.99 to 35.77 over the past decade. While the company's 10-year median is 21.85 vs. the industry median of 30.55, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.55, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanover Bancorp's current OCF Margin % of 94.26% is 208.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hanover Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanover Bancorp's current OCF Margin % is 94.26%, which is 331% above median its own 10-year median of 21.85. 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 OCF Margin % is 94.26%, which is 331% above median its 10-year median of 21.85 and 208.6% above the Banks industry median of 30.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Hanover Bancorp (HNVR), the current OCF Margin % is 94.26% 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:
OCF Margin %: 94.26% (331% above median its 10-year median of 21.85)
GF Value™: $23.04 vs. price of $26.94 (16.9% above fair value)
Industry Position: 208.6% above the Banks median (#601 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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