Hanover Bancorp, Inc. — Earnings Quality Grade A
HNVR · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 59 days, change -5 days YoY
AR growth -0.6% vs revenue growth 7.1%
Revenue 7.1%, CFFO 139.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -32.7% vs revenue 7.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.74. Profits backed by cash
FCF $0.0B, FCF/NI = 1.63
Accruals ratio = -0.2%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Hanover Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25