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EBMT (59) MNSB (51) BAFN (38) FINW (36) ⌘ Pro Terminal β†’

Hanover Bancorp Inc. (HNVR) Options Positioning, Max Pain & Unusual Sweeps

$23.43 +0.39% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.40

Hanover Bancorp Inc. (HNVR) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $165.3M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is HNVR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Hanover Bancorp Inc. (NASDAQ: HNVR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $23.43 (+0.39% 1D, market cap $165.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, HNVR ranks #580 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does HNVR compare to EBMT and MNSB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), HNVR carries a Roarable D+ (53/100 RQD), trailing P/E of 22.2x, gross margin of β€”, and ROIC of 3.7%. By comparison, EBMT (Eagle Bancorp Montana Inc.) holds a C- grade (59/100 RQD, P/E 11.5x, ROIC 7.7%, cap $172.6M) and MNSB (MainStreet Bancshares Inc.) posts a D grade (51/100 RQD, P/E 9.8x, ROIC 7.1%, cap $157.0M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HNVR?
β–Ό

Per HNVR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828588), Hanover Bancorp Inc. generated $1.00B in revenue (+3.1% YoY), $7.5M in net income, and $12.2M in free cash flow against $2.38B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $23.40 (-0.12%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 1.2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY β€’ 50.6% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510053
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk D+
Cash (12)Whales (5)SEC (13)Macro (8)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE-2.3% Base Target
$29 Bull$23 Base$18 Bear
πŸ“¬ FREE HNVR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for HNVR)Realized 20D OHLCV Swing Band: Β±9.1%
Deterministic 5-Pillar Attribution (53/100 Composite)
πŸ” WHY HNVR SCORES 53/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
61
Grade C$24.53-2.7% Next Q
Q2 (-2Q)
58
Grade C$23.86-1.8% Next Q
Q3 (-1Q)
56
Grade C$23.42+0% Next Q
Current
53
Grade D+$23.43-0.9% Hist 90D Ξ±
Trajectory: C (61) β†’ D+ (53)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a HNVR Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While HNVR currently carries a cautious 53/100 (D+) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($25.50) and Max Pain ($24.60) forces dealer call-delta covering toward $29.34.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.08% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HNVRβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œHNVR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±9.1%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HNVR)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HNVR.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HNVR)

  • βœ“Walkthrough of HNVR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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HNVR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.90%β–Ό DESCENDING CHANNEL
2026-11-04O $23.34H $23.43L $23.34C $23.43VOL 18.2K
RES: $26.52SUP: $20.88SMA50: $25.50SMA200: $23.91
$28.43$26.40$24.38$22.36$20.33RES $26.52SUP $20.88$23.432026-05-052026-06-182026-08-052026-09-182026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HNVR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ HNVR Butterfly Map β†’ + Track HNVR β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
15.9%/yr Implied 5Y Growth

vs. +3.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HNVR today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for HNVR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HNVR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HNVR)

Financials Rank #580 of 1097 βš”οΈ EBMT vs HNVR Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (HNVR vs. EBMT, MNSB, BAFN, FINW)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hanover Bancorp Inc. (HNVR) ranks #580 by composite RQD confidence (53/100, grade D+) and #915 by equity capitalization ($165.3M). Within this direct 5-issuer industry benchmark cohort, MNSB leads on earnings valuation at 9.8x trailing P/E, while FINW leads on capital efficiency and profitability with 8.3% ROIC and β€” gross margin. EBMT currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with HNVR at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HNVR ACTIVE
Hanover Bancorp Inc.
D+ 53/100 22.2x β€” 3.7% +0.39% $165.3M Benchmark Subject
EBMT
Eagle Bancorp Montana Inc.
C- 59/100 11.5x β€” 7.7% +2.17% $172.6M /ebmt-vs-hnvr β†’
MNSB
MainStreet Bancshares Inc.
D 51/100 9.8x β€” 7.1% +3.52% $157.0M /mnsb-vs-hnvr β†’
BAFN
BayFirst Financial Corp.
D- 38/100 β€” β€” -30.1% +1.38% $182.7M /bafn-vs-hnvr β†’
FINW
FinWise Bancorp
D- 36/100 11.5x β€” 8.3% +0.46% $183.9M /finw-vs-hnvr β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001828588 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hanover Bancorp Inc. (HNVR) reported GAAP revenue of $1.00B (+3.1% vs. FY2024 revenue of $971.1M , and +1366.8% cumulative change since FY2023) , GAAP net income of $7.5M, operating cash flow of $13.1M, and free cash flow of $12.2M (+193.7% YoY). On the balance sheet, HNVR closed FY2025 with $2.38B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.00B $7.5M $13.1M $12.2M $2.38B β€”
FY2024 (FY) 2024-12-31 $971.1M $12.3M $5.4M $4.1M $2.31B β€”
FY2023 (FY) 2023-09-30 $68.2M $15.2M $16.4M $16.4M β€” β€”

3. HNVR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HNVR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Hanover Bancorp Inc. (NASDAQ: HNVR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $23.43 (+0.39% 1D, market cap $165.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, HNVR ranks #580 in composite RQD confidence.

How does HNVR compare to EBMT and MNSB in the Financials sector?

Within the Financials sector (Major Banks), HNVR carries a Roarable D+ (53/100 RQD), trailing P/E of 22.2x, gross margin of β€”, and ROIC of 3.7%. By comparison, EBMT (Eagle Bancorp Montana Inc.) holds a C- grade (59/100 RQD, P/E 11.5x, ROIC 7.7%, cap $172.6M) and MNSB (MainStreet Bancshares Inc.) posts a D grade (51/100 RQD, P/E 9.8x, ROIC 7.1%, cap $157.0M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HNVR?

Per HNVR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828588), Hanover Bancorp Inc. generated $1.00B in revenue (+3.1% YoY), $7.5M in net income, and $12.2M in free cash flow against $2.38B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HNVR trading relative to its 50-day, 200-day, and 52-week technical levels?

HNVR last traded at $23.43 (+0.39% on volume of 18,246 shares), positioning the stock -8.12% below its 50-day simple moving average ($25.50) and -2.01% below its 200-day simple moving average ($23.91). Across its 52-week range of $20.19 to $27.94, HNVR sits at the 41.8% percentile with a 14-day RSI of 37.3 (NEUTRAL RANGE) and an implied next-earnings move of Β±9.1% ($21.30 to $25.56).

Direct Sub-Reports: HNVR RQD Cockpit HNVR 12M Forecast HNVR Earnings & Move HNVR Dividends & DRIP HNVR Insiders & 13F HNVR Whale Options HNVR Profit Sankey HNVR News & Why
ROARABLE RATING BRIEF β€’ RQD 53/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

HNVR β€” Hanover Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hanover Bancorp Inc. (HNVR) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $23.43 (+0.39% 1D, market capitalization $165.3M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 3.7%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 7.32%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, operating in the Major Banks industry, with a market capitalization of $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hanover Bancorp Inc. (HNVR) reported $1.00B in annual revenue (up from $971.1M in FY2024, +3.1% YoY) and $7.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($68.2M revenue, $15.2M net income) through FY2025, HNVR scaled operating cash flow to $13.1M and free cash flow to $12.2M, backed by $2.38B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 53/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.32% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $20.19 – $27.94 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 22.2x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), HNVR carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can HNVR sustain or expand its β€” operating margin and 3.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.00B and free cash flow of $12.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HNVR's 20.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HNVR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hanover Bancorp Inc. (HNVR) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to HNVR Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HNVR Bull vs. Bear Conversation Board β€” What's Your Call at $23.43?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HNVR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HNVR:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER β€’ Verified $100K Arena Trader πŸ‚ BULLISH 🎯 Target: $29.18 (+25.0%)
πŸ“Œ Pinned Debate

Macro regime fit scores 16 of 20 with beta at 1.0, and the stock trades at a 7.32% FCF yield.

Don't sleep on HNVR's setup in Financials. Macro regime fit scores 16 of 20 with beta at 1.0, and the stock trades at a 7.32% FCF yield.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (53/100) backs up the fundamental quality.

SectorRotator πŸ‚ BULL

@AlphaFlow_Cap Agree on the RQD 53/100 quality, though with 1.0 beta I'm scaling in with half-size at $23.34 and keeping dry powder in case we test $21.71.

MU MultipleCompression RQD DEBATE OPENER β€’ Valuation Discipline 🐻 BEARISH 🎯 Target: $18.67 (-20.0%)
Spot @ $23.34

Net income fell from $15.2M to $7.5M over three periods while ROIC sits at just 3.7%.

Fading this rally in HNVR at $23.34. Net income fell from $15.2M to $7.5M over three periods while ROIC sits at just 3.7%.. With a beta of 1.0 and the stock sitting at $23.34 (52-wk range $20.00–$27.94), the easy multiple expansion is already priced in.

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