Hanover Bancorp Inc
HNVRFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
22.16+0.45 (2.10%)
2026-11-11 23:40 CET
Market cap
151.59 USD m
Revenue, TTM
- USD m
Net income, TTM
10.09 USD m
Free cash flow, TTM
38.02 USD m
EPS diluted, TTM
1.41
P/E
15.77
Price
HNVR against its 20, 50 and 200-day averages2050200beatmiss
20.7% under the 52-week high of 27.94 on 14 Sep 2026. 52-week low 20.19 on 12 Mar 2026. Last 15 sessions, 17.9% high to low
Volume 0.47× normal · the line is the 50-bar volume average
Profile
HNVR52-week range, 25% of the way up
20.1927.94
Hanover Bancorp, Inc. is a bank holding company, which engages in the provision of financial services and commercial banking products and services. It also offers multi-family and commercial mortgages, residential loans, business loans, and lines of credit. The company was founded in 2008 and is headquartered in Mineola, NY.
| Index | RUT |
|---|---|
| Employees | 194 |
| IPO | May 11, 2022 |
| Beta | 0.14 |
| ATR, 14d | 1.01 |
| Rel volume | 0.47 |
| Short float | 1.03% |
| Insider own | 41.93% |
| Inst own | 28.98% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 154.77M |
| Enterprise Value | - |
| Income | 10.09M |
| Sales | 140.72M |
| Book/sh | 28.33 |
| Cash/sh | - |
| Dividend Est. | 0.40 (1.81%) |
| Dividend TTM | 0.40 (1.81%) |
| Dividend Ex-Date | Nov 10, 2026 |
| Dividend Gr. 3/5Y | 10.06% - |
| Payout | 39.83% |
| Employees | 194 |
| IPO | May 11, 2022 |
Ratios
| P/E | 15.77 |
|---|---|
| Forward P/E | 7.47 |
| PEG | 0.21 |
| P/S | 1.10 |
| P/B | 0.78 |
| P/C | - |
| P/FCF | 4.07 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.59 |
| Debt/Eq | 0.50 |
| LT Debt/Eq | 0.43 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.41 |
|---|---|
| EPS next Y | 2.97 |
| EPS next Q | 0.65 |
| EPS this Y | 74.07% |
| EPS next Y | 26.28% |
| EPS next 5Y | 35.89% |
| EPS past 3/5Y | -35.13% -3.31% |
| Sales past 3/5Y | 22.85% 28.13% |
| EPS Y/Y TTM | -6.80% |
| Sales Y/Y TTM | -3.09% |
| EPS Q/Q | 27.75% |
| Sales Q/Q | -0.91% |
| Earnings | Oct 28 BMO |
| EPS/Sales Surpr. | 2.11% -3.60% |
Ownership
| Insider Own | 41.93% |
|---|---|
| Insider Trans | -0.37% |
| Inst Own | 28.98% |
| Inst Trans | 1.40% |
| ROA | 0.42% |
| ROE | 4.98% |
| ROIC | 3.47% |
| Gross Margin | - |
| Oper. Margin | 10.17% |
| Profit Margin | 7.17% |
| SMA20 | -4.21% |
| SMA50 | -11.06% |
| SMA200 | -7.10% |
| Trades | - |
Technical
| Shs Outstand | 6.98M |
|---|---|
| Shs Float | 4.06M |
| Short Float | 1.03% |
| Short Ratio | 1.40 |
| Short Interest | 0.04M |
| 52W High | 27.94 -20.69% |
| 52W Low | 20.19 9.76% |
| Volatility | 4.51% 4.73% |
| ATR (14) | 1.01 |
| RSI (14) | 33.58 |
| Beta | 0.14 |
| Rel Volume | 0.47 |
| Avg Volume | 30.00K |
| Volume | 13,984 |
Performance
| Perf Week | -3.69% |
|---|---|
| Perf Month | -9.66% |
| Perf Quarter | -19.27% |
| Perf Half Y | -2.16% |
| Perf YTD | -4.11% |
| Perf Year | 0.41% |
| Perf 3Y | 23.73% |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 2.50 |
| Target Price | 26.50 |
| Prev Close | 21.70 |
| Price | 22.16 |
| Change % | 2.10% |
Analyst ratings
latest 4 of 4| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Aug 27, 2026 | Initiated | RRaymond James | Mkt Perform | ||
| Jul 10, 2026 | Resumed | PPiper Sandler | Overweight | $26.50 | +19.6% |
| Aug 13, 2025 | Initiated | HHovde Group | Market Perform | $24 | +8.3% |
| Dec 09, 2024 | Downgrade | SStephens | Overweight → Equal-Weight |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| BCBP | BCB Bancorp Inc (NJ) | 281.07M |
| RBKB | Rhinebeck Bancorp Inc | 207.33M |
| DCOM | Dime Commercial Bancshares Inc | 1.85B |
| ESQ | Esquire Financial Holdings Inc | 1.61B |
| PBHC | Pathfinder Bancorp Inc | 104.04M |
| MGYR | Magyar Bancorp Inc | 140.60M |
| LSBK | Lake Shore Bancorp Inc | 146.42M |
| GCBC | Greene Bancorp Inc | 609.00M |
| MCB | Metropolitan Bank Holding Corp | 1.18B |
| FLG | Flagstar Bank NA | 4.16B |
Insider trading
13 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| O'Connor Kevin M | President | Jul 30 '26 | Buy | 26.88 | 10,000 | 268,800 | 12,300 | Aug 03 06:42 PM |
| Golden Robert | Director | Jun 12 '26 | Sale | 24.02 | 3,763 | 90,379 | 183,176 | Jun 16 04:06 PM |
| Golden Robert | Director | Jun 15 '26 | Sale | 24.21 | 661 | 16,005 | 182,515 | Jun 16 04:06 PM |
| Golden Robert | Director | Jun 10 '26 | Sale | 24.20 | 8,419 | 203,759 | 186,939 | Jun 12 03:27 PM |
| Golden Robert | Director | Jun 02 '26 | Sale | 23.10 | 1,847 | 42,668 | 28,341 | Jun 04 04:02 PM |
| Golden Robert | Director | May 29 '26 | Sale | 23.71 | 1,514 | 35,893 | 30,188 | Jun 02 04:04 PM |
| Golden Robert | Director | May 27 '26 | Sale | 23.53 | 1,295 | 30,471 | 31,702 | May 29 02:09 PM |
| Golden Robert | Director | May 19 '26 | Sale | 22.79 | 2,259 | 51,483 | 34,009 | May 21 04:08 PM |
| Golden Robert | Director | May 20 '26 | Sale | 23.01 | 1,012 | 23,291 | 32,997 | May 21 04:08 PM |
| Golden Robert | Director | May 06 '26 | Option Exercise | 13.00 | 10,000 | 130,000 | 36,268 | May 08 04:08 PM |
| Diiorio Lisa A | FSVP & Chief Accounting Off. | May 01 '26 | Option Exercise | 13.00 | 6,000 | 78,000 | 21,778 | May 05 04:04 PM |
| Golden Robert | Director | Feb 06 '26 | Sale | 23.60 | 700 | 16,520 | 195,358 | Feb 09 02:35 PM |
| Golden Robert | Director | Feb 05 '26 | Sale | 23.50 | 500 | 11,750 | 196,058 | Feb 09 02:35 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| BUSM | EA Bridgeway Ultra-Small Company Market ETF | AUM: 111.21M |
| AVSC | Avantis U.S Small Cap Equity ETF | AUM: 3.23B |
| VTWV | Vanguard Russell 2000 Value Index ETF | AUM: 1.29B |
News
latest 14 of 108- Hanover Bancorp, Inc. Reports Third Quarter 2026 Results Highlighted by Increased Net Interest Income and Strong Loan Growth; Declares $0.10 Quarterly Cash Dividend (GlobeNewswire)
- Hanover Bancorp Expands Long Island Footprint with Opening of Riverhead Branch (GlobeNewswire)
- Hanover Bancorp Approves New Share Repurchase Program (GlobeNewswire)
- Hanover Bancorp, Inc. Reports Second Quarter 2026 Results Highlighted by Increased Net Interest Income and Margin Expansion Declares $0.10 Quarterly Cash Dividend (GlobeNewswire)
- Hanover Bancorp, Inc. Appoints Kevin O'Connor President (GlobeNewswire)
- Hanover Bancorp, Inc. Reports First Quarter 2026 Results Highlighted by Continued Margin Expansion and Declares $0.10 Quarterly Cash Dividend (GlobeNewswire)
- Hanover Bancorp, Inc. Completes $35 Million Private Placement of Subordinated Notes (GlobeNewswire)
- Hanover Bancorp, Inc. (HNVR) Reports Break-Even Earnings for Q4 (Zacks)
- Hanover Bancorp, Inc. Announces the Addition of a New Chief Commercial Real Estate Lending Officer (GlobeNewswire)
- Hanover Bancorp, Inc. Reports 2025 Full Year and Fourth Quarter Results and Declares $0.10 Quarterly Cash Dividend (GlobeNewswire)
- First Mid Bancshares (FMBH) Matches Q4 Earnings Estimates (Zacks)
- Hanover Bancorp (HNVR) Stock Jumps 5.3%: Will It Continue to Soar? (Zacks)
- Hanover Bancorp, Inc. (HNVR) Q3 Earnings and Revenues Lag Estimates (Zacks)
- Hanover Bancorp, Inc. Reports Third Quarter 2025 Results and Declares $0.10 Quarterly Cash Dividend (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-28 | 0.600 | 0.588 | 0.600 | 19.28 | 20.00 | 4 |
| 2026Q2 | 2026-07-23 | 0.580 | 0.565 | 0.550 | 19.57 | 19.83 | 3 |
| 2026Q1 | 2026-04-27 | 0.540 | 0.530 | 0.252 | 19.11 | 19.50 | 2 |
| 2025Q4 | 2026-01-29 | 0.000 | 0.517 | 0.006 | 18.60 | 18.85 | 3 |
| 2025Q3 | 2025-10-30 | 0.470 | 0.473 | 0.467 | 18.01 | 18.75 | 3 |
| 2025Q2 | 2025-07-23 | 0.330 | 0.540 | 0.326 | 18.36 | 19.30 | 2 |
| 2025Q1 | 2025-04-23 | 0.550 | 0.475 | 0.204 | 18.36 | 18.80 | 2 |
| 2024Q4 | 2024-10-23 | 0.500 | 0.430 | 0.507 | 17.06 | 17.30 | 2 |
| 2024Q3 | 2024-07-24 | 0.110 | 0.480 | 0.114 | 16.87 | 17.00 | 2 |
| 2024Q2 | 2024-04-17 | 0.550 | 0.425 | 0.548 | 16.51 | 15.90 | 2 |
| 2024Q1 | 2024-01-24 | 0.540 | - | 0.511 | 16.00 | - | - |
| 2023Q4 | 2023-10-26 | 0.380 | 0.370 | 0.460 | 15.51 | 15.40 | 2 |
| 2023Q3 | 2023-07-27 | 0.420 | 0.355 | 0.419 | 15.48 | 14.80 | 2 |
| 2023Q2 | 2023-04-27 | 0.430 | 0.585 | 0.433 | 15.68 | 16.80 | 2 |
| 2023Q1 | 2023-01-25 | 0.720 | 0.795 | 0.722 | 16.68 | 19.30 | 2 |
| 2022Q4 | 2022-10-26 | 0.790 | 0.745 | 0.789 | 18.42 | 17.50 | 2 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2022FY | 3.710 | 3.340 | 3.679 | 70.13 | 69.00 |
| 2023FY | 2.000 | 1.620 | 2.051 | 63.34 | 61.20 |
| 2024FY | 1.660 | 1.640 | 1.664 | 68.43 | 68.50 |
| 2025FY | 1.350 | 1.861 | 1.000 | 73.32 | 73.60 |
| 2026FY | - | 2.350 | - | - | 78.13 |
| 2027FY | - | 2.968 | - | - | 86.80 |
| 2028FY | - | 3.388 | - | - | 94.13 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-11-09 | 4 | 0 | 4 | 20.15 | 19.80 | 20.40 |
| 2026Q4 | S | 2026-11-02 | 4 | 0 | 3 | 20.33 | 19.80 | 20.90 |
| 2026Q4 | S | 2026-10-30 | 4 | 0 | 2 | 20.48 | 19.80 | 21.00 |
| 2026Q4 | S | 2026-10-28 | 4 | 0 | 1 | 20.75 | 20.20 | 21.00 |
| 2026Q4 | S | 2026-10-10 | 4 | 0 | 0 | 20.98 | 20.90 | 21.10 |
| 2026Q4 | S | 2026-09-21 | 4 | 0 | 2 | 20.98 | 20.90 | 21.10 |
| 2026Q4 | S | 2026-08-25 | 4 | 0 | 1 | 21.00 | 20.90 | 21.10 |
| 2026Q4 | S | 2026-07-27 | 3 | 0 | 1 | 21.00 | 20.90 | 21.10 |
| 2026Q4 | S | 2026-07-24 | 3 | 0 | 0 | 21.17 | 21.10 | 21.20 |
| 2026Q4 | S | 2026-07-15 | 3 | 0 | 0 | 21.23 | 21.20 | 21.30 |
| 2026Q4 | S | 2026-07-13 | 3 | 0 | 1 | 21.23 | 21.20 | 21.30 |
| 2026Q4 | S | 2026-07-09 | 3 | 0 | 2 | 21.23 | 21.20 | 21.30 |
| 2026Q4 | S | 2026-06-05 | 2 | 0 | 2 | 21.20 | 21.20 | 21.20 |
| 2026Q4 | S | 2026-05-01 | 2 | 0 | 2 | 21.25 | 21.20 | 21.30 |
Estimate history
| EPS, annual | 1.932 | 1.188 | 2.28 | 3.679 | 2.051 | 1.664 | 1.004 | 1.4051 | |
|---|---|---|---|---|---|---|---|---|---|
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| EPS, quarterly | 0.114 | 0.507 | 0.204 | 0.326 | 0.467 | 0.006 | 0.252 | 0.55 | 0.597 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 39.267 | 41.497 | 52.024 | 77.301 | 112.916 | 148.361 | 143.322 | 140.72 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| Sales, quarterly | 37.042 | 37.244 | 36.569 | 35.61 | 35.779 | 35.364 | 35.036 | 34.862 | 35.455 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 4.186 | 4.186 | 5.563 | 7.286 | 7.17 | 7.152 | 7.135 | 6.984 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | |
| Shares, quarterly | 7.127 | 7.152 | 7.229 | 7.224 | 7.192 | 7.135 | 7.157 | 7.055 | 6.984 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 130.16 | 130.48 | 133.02 | 105.04 | 68.43 | 48.67 | 40.13 | 34.50 |
| Total Interest Expense | 64.17 | 70.00 | 79.93 | 50.55 | 7.17 | 6.97 | 13.01 | 12.08 |
| Net Interest Income | 65.99 | 60.48 | 53.09 | 54.49 | 61.25 | 41.71 | 27.12 | 22.42 |
| Loan Loss Provision | 8.23 | 10.38 | 4.94 | 3.43 | 4.45 | 1.00 | 1.25 | 0.65 |
| Net Interest Income After Loan Loss Provision | 57.76 | 50.09 | 48.15 | 51.06 | 56.80 | 40.71 | 25.87 | 21.77 |
| Non-Interest Income | 10.56 | 12.84 | 15.34 | 7.87 | 8.87 | 3.35 | 1.36 | 4.77 |
| Non-Interest Expense | 54.01 | 52.98 | 47.11 | 39.72 | 34.93 | 25.93 | 21.50 | 15.47 |
| Operating Income | 14.31 | 9.95 | 16.38 | 19.21 | 30.75 | 18.13 | 5.73 | 11.07 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | -0.97 | 0.25 | 4.43 | 0.45 | 0.74 |
| Net Income Before Taxes | 14.31 | 9.95 | 16.38 | 20.19 | 30.50 | 13.70 | 5.28 | 10.33 |
| Income Taxes | 3.99 | 2.47 | 4.03 | 5.02 | 6.94 | 2.85 | 0.31 | 2.24 |
| Consolidated Net Income | 10.09 | 7.29 | 11.96 | 14.60 | 22.65 | 10.85 | 4.97 | 8.09 |
| Net Income From Continuing Operations | 10.09 | 7.29 | 11.96 | 14.60 | 22.65 | 10.85 | 4.97 | 8.09 |
| Net Income | 10.09 | 7.29 | 11.96 | 14.60 | 22.65 | 10.85 | 4.97 | 8.09 |
| EPS (Recurring) | 1.42 | 1.00 | 1.66 | 1.95 | 3.71 | 2.93 | 1.26 | 2.05 |
| EPS (Basic, Before Extraordinaries) | 1.41 | 1.01 | 1.67 | 2.07 | 3.73 | 2.32 | 1.19 | 1.93 |
| EPS (Diluted) | 1.41 | 1.00 | 1.66 | 2.05 | 3.68 | 2.28 | 1.19 | 1.93 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | -0.23 | -0.19 | -0.38 | -0.56 | -0.90 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.27 | 1.24 | 1.25 | 1.48 | 1.33 | 0.66 | 0.56 | 0.30 |
| Price To Earnings Ratio | 15.45 | 15.45 | 14.76 | 7.66 | 5.11 | 4.66 | - | - |
| Price To Sales Ratio | 1.26 | 1.17 | 1.12 | 1.14 | 1.52 | - | - | - |
| Operating Margin | 10.17 | 6.95 | 11.04 | 17.01 | 39.77 | 34.85 | 13.82 | 28.18 |
| Net Margin | 7.17 | 5.09 | 8.06 | 12.93 | 29.30 | 20.86 | 11.99 | 20.59 |
| Shares Outstanding | 6.98 | 7.14 | 7.15 | 7.17 | 7.29 | 5.56 | 4.19 | 4.19 |
| Market Capitalization | 151.59 | 151.59 | 164.90 | 129.96 | 139.51 | 142.98 | - | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 33.20 | 32.07 | 32.29 | 32.60 | 32.99 | 32.05 | 32.84 | 33.06 |
| Total Interest Expense | 16.18 | 15.29 | 15.93 | 16.77 | 17.77 | 17.25 | 18.21 | 19.25 |
| Net Interest Income | 17.03 | 16.77 | 16.36 | 15.83 | 15.22 | 14.79 | 14.63 | 13.81 |
| Loan Loss Provision | 1.10 | 0.50 | 0.53 | 6.10 | 1.32 | 2.36 | 0.60 | 0.40 |
| Net Interest Income After Loan Loss Provision | 15.93 | 16.27 | 15.83 | 9.73 | 13.90 | 12.44 | 14.03 | 13.41 |
| Non-Interest Income | 2.25 | 2.80 | 2.74 | 2.77 | 2.79 | 3.56 | 3.73 | 4.19 |
| Non-Interest Expense | 12.39 | 13.65 | 15.61 | 12.36 | 12.01 | 12.62 | 16.00 | 12.40 |
| Operating Income | 5.79 | 5.42 | 2.97 | 0.14 | 4.67 | 3.38 | 1.76 | 5.20 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 5.79 | 5.42 | 2.97 | 0.14 | 4.67 | 3.38 | 1.76 | 5.20 |
| Income Taxes | 1.44 | 1.35 | 1.10 | 0.10 | 1.18 | 0.94 | 0.24 | 1.29 |
| Consolidated Net Income | 4.25 | 3.97 | 1.82 | 0.04 | 3.40 | 2.38 | 1.48 | 3.78 |
| Net Income From Continuing Operations | 4.25 | 3.97 | 1.82 | 0.04 | 3.40 | 2.38 | 1.48 | 3.78 |
| Net Income | 4.25 | 3.97 | 1.82 | 0.04 | 3.40 | 2.38 | 1.48 | 3.78 |
| EPS (Recurring) | 0.60 | 0.55 | 0.25 | 0.01 | 0.47 | 0.33 | 0.20 | 0.51 |
| EPS (Basic, Before Extraordinaries) | 0.60 | 0.55 | 0.25 | 0.01 | 0.47 | 0.33 | 0.20 | 0.51 |
| EPS (Diluted) | 0.60 | 0.55 | 0.25 | 0.01 | 0.47 | 0.33 | 0.20 | 0.51 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | -0.10 | -0.09 | -0.05 | 0.01 | -0.09 | -0.06 | -0.04 | -0.12 |
| Stock Option Compensation Expense | 0.36 | 0.35 | 0.28 | 0.29 | 0.26 | 0.31 | 0.39 | 0.64 |
| Price To Earnings Ratio | 15.45 | 22.18 | 21.52 | 15.36 | 14.82 | 17.58 | 13.63 | 14.76 |
| Price To Sales Ratio | 1.26 | 1.19 | 1.10 | 1.20 | 1.13 | 1.13 | 1.06 | 1.16 |
| Operating Margin | 16.32 | 15.54 | 8.48 | 0.38 | 13.05 | 9.50 | 4.83 | 13.95 |
| Net Margin | 11.98 | 11.40 | 5.21 | 0.12 | 9.51 | 6.68 | 4.04 | 10.15 |
| Shares Outstanding | 6.98 | 7.06 | 7.16 | 7.14 | 7.19 | 7.22 | 7.23 | 7.15 |
| Market Capitalization | 151.59 | 166.89 | 154.85 | 166.22 | 161.98 | 165.47 | 157.92 | 164.90 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 95.79 | 12.77 | 5.50 | 9.93 | 8.30 | 6.24 | 6.10 |
| Investments | 227.88 | 257.96 | 212.67 | 162.99 | 178.31 | 94.93 | 100.23 |
| Net Loans | 1,982.06 | 1,962.74 | 1,859.88 | 1,610.69 | 1,238.57 | 717.15 | 713.30 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.65 | 0.00 | - | - | - | - | - |
| Net Property, Plant & Equipment | 24.17 | 23.67 | 26.25 | 14.46 | 15.00 | 14.16 | 14.41 |
| Interest Receivables | 11.78 | 11.85 | 10.64 | 8.55 | 9.36 | 6.77 | 3.27 |
| Deferred Tax Assets | 15.36 | 15.04 | 13.85 | 9.77 | 3.56 | - | - |
| Other Intangible Assets | 40.77 | 41.55 | 33.10 | 30.93 | 31.53 | 12.36 | 11.54 |
| Total Assets | 2,398.45 | 2,325.58 | 2,161.88 | 1,847.32 | 1,484.64 | 851.61 | 848.84 |
| Total Deposits | 2,028.39 | 1,954.28 | 1,735.07 | 1,528.11 | 1,164.66 | 664.76 | 650.29 |
| Total Debt | 136.03 | 141.52 | 215.37 | 126.32 | 184.16 | 100.14 | 115.73 |
| Long Term Debt | 92.99 | 93.96 | 145.36 | 59.46 | 169.18 | 100.14 | 115.73 |
| Provision for Risks Charges | 0.63 | 0.31 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 15.71 | 13.47 | 12.34 | 7.27 | - | - | - |
| Other Liabilities | 17.43 | 19.36 | 13.19 | 13.05 | 13.29 | 8.66 | 10.87 |
| Total Liabilities | 2,198.19 | 2,128.94 | 1,975.97 | 1,674.74 | 1,362.11 | 773.56 | 776.89 |
| Preferred Stock - Carrying Value | 5.04 | 5.04 | 2.96 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 195.22 | 191.60 | 182.94 | 172.58 | 122.53 | 78.04 | 71.95 |
| Total Shareholders Equity | 200.27 | 196.64 | 185.91 | 172.58 | 122.53 | 78.04 | 71.95 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 200.27 | 196.64 | 185.91 | 172.58 | 122.53 | 78.04 | 71.95 |
| Total Liabilities & Stockholders Equity | 2,398.45 | 2,325.58 | 2,161.88 | 1,847.32 | 1,484.64 | 851.61 | 848.84 |
| Book Value Per Share | 27.36 | 26.79 | 25.51 | 23.69 | 22.02 | 18.65 | 17.19 |
| Tangible Book Value Per Share | 24.65 | 24.07 | 22.79 | 21.00 | 18.49 | 18.19 | 16.84 |
| Tier 1 Capital | 204.43 | 201.74 | 190.93 | 178.34 | 123.67 | - | - |
| Tier 2 Capital | 18.31 | 18.95 | 14.86 | 13.02 | 8.89 | - | - |
| Full-Time Employees | 194 | 185 | 176 | 162 | 136 | 95 | - |
| Price to Book Ratio | 0.77 | 0.88 | 0.72 | 0.81 | 0.85 | - | - |
| Return on Assets | 0.31 | 0.53 | 0.73 | 1.36 | 0.93 | 0.59 | - |
| Return on Equity | 3.68 | 6.25 | 8.15 | 15.35 | 10.82 | 6.63 | - |
| Return on Invested Capital | 2.49 | 4.12 | 4.41 | 9.76 | 3.72 | 2.79 | 4.31 |
| Current Ratio | 0.11 | 0.12 | 0.17 | 0.14 | 0.24 | 0.40 | 0.42 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 34.35 | 17.98 | 13.78 | 21.13 | 24.48 | 9.77 | 7.46 | 5.77 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 4.80 | -4.92 | -8.34 | -4.73 | 0.56 | 3.43 | -6.89 | 2.19 |
| Cash from Operating Activities | 39.15 | 13.05 | 5.44 | 16.40 | 25.05 | 13.19 | 0.56 | 7.96 |
| Capital Expenditures | -16.14 | -0.87 | -1.29 | -3.41 | -1.12 | -2.08 | -1.09 | -1.52 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -32.99 | 0.00 | -9.52 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 | 59.16 | 0.00 | 24.05 |
| Purchase or Sale of Investments | -38.14 | -11.49 | -21.38 | 0.35 | -1.37 | 0.98 | -3.68 | 0.16 |
| Purchase of Investments | -75.95 | -130.96 | -622.63 | 0.00 | -8.00 | -4.70 | -5.00 | -1.89 |
| Sale Or Maturity of Investments | 37.81 | 119.46 | 601.25 | 0.35 | 6.63 | 5.68 | 1.32 | 2.05 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -159.15 | -27.95 | -45.36 | -256.36 | -374.15 | 89.85 | -7.29 | -45.82 |
| Cash Dividends Paid | -2.98 | -3.01 | -2.96 | -2.93 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -5.98 | -2.30 | -0.07 | 0.11 | 25.72 | 0.11 | 0.22 | 5.11 |
| Repurchase of Common Pref Stock | -6.10 | -1.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.12 | -0.47 | -0.07 | 0.11 | 25.72 | 0.11 | 0.22 | 5.11 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.11 | 27.77 | 0.11 | 0.11 | 5.05 |
| Issuance or Reduction of Debt, Net | -31.73 | -7.08 | -21.15 | 78.16 | -57.71 | -174.54 | -15.59 | -8.77 |
| Change in Long Term Debt | -31.73 | -7.08 | -21.15 | 84.16 | -57.71 | -174.54 | -15.59 | -8.77 |
| Issuance of Long Term Debt | 93.99 | 0.00 | 20.00 | 100.72 | 75.00 | 24.45 | 40.20 | 25.00 |
| Reduction of Long Term Debt | -125.72 | -7.08 | -41.15 | -16.57 | -132.71 | -199.00 | -55.79 | -33.77 |
| Net Financing Active Other Cash Flow | -0.38 | -0.78 | -0.20 | -0.17 | -0.03 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | -0.38 | -0.78 | -0.20 | -0.17 | -0.03 | - | - | - |
| Cash from Financing Activities | 95.01 | 60.94 | 25.57 | 282.64 | 332.50 | -16.71 | -0.90 | 68.59 |
| Net Change in Cash | -24.99 | 46.05 | -14.35 | 42.68 | -16.60 | 86.33 | -7.62 | 30.73 |
| Free Cash Flow | 38.02 | 12.18 | 4.15 | 12.99 | 23.93 | 11.11 | -0.53 | 6.44 |
| Preferred Dividends (Cash Flow) | - | - | - | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 5.06 | 18.30 | 139.48 | 12.80 | 4.92 | - | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | 0.09 | 0.73 | -4.27 | -2.57 | 1.15 | 1.36 | 0.29 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 13.34 | 10.93 | 14.85 | 95.79 | 14.04 | 12.34 |
| Investments | 277.85 | 275.06 | 308.56 | 227.88 | 273.53 | 276.89 |
| Net Loans | 2,064.73 | 1,978.75 | 1,973.55 | 1,982.06 | 1,966.33 | 1,944.88 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 20.59 | 21.06 | 22.12 | 24.17 | 24.92 | 25.28 |
| Interest Receivables | 11.90 | 11.65 | 11.52 | 11.78 | 11.82 | 11.66 |
| Deferred Tax Assets | - | - | - | 15.36 | 1.40 | 1.52 |
| Other Intangible Assets | 52.77 | 38.54 | 39.71 | 40.77 | 39.54 | 39.40 |
| Total Assets | 2,441.82 | 2,336.63 | 2,370.95 | 2,398.45 | 2,331.58 | 2,311.98 |
| Total Deposits | 2,110.91 | 2,012.84 | 2,022.35 | 2,028.39 | 1,974.82 | 1,951.28 |
| Total Debt | 101.43 | 101.67 | 127.60 | 136.03 | 136.53 | 144.09 |
| Long Term Debt | 88.11 | 101.67 | 127.60 | 92.99 | 136.53 | 137.01 |
| Provision for Risks Charges | 0.66 | 0.66 | 0.66 | 0.63 | 0.45 | 0.50 |
| Deferred Tax Liabilities | - | - | - | 15.71 | - | - |
| Other Liabilities | 25.91 | 18.72 | 18.91 | 17.43 | 17.95 | 17.22 |
| Total Liabilities | 2,238.90 | 2,133.88 | 2,169.51 | 2,198.19 | 2,129.75 | 2,113.09 |
| Preferred Stock - Carrying Value | 5.04 | 5.04 | 5.04 | 5.04 | 5.04 | 5.04 |
| Common Equity | 197.87 | 197.71 | 196.40 | 195.22 | 196.79 | 193.84 |
| Total Shareholders Equity | 202.91 | 202.75 | 201.44 | 200.27 | 201.83 | 198.88 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 202.91 | 202.75 | 201.44 | 200.27 | 201.83 | 198.88 |
| Total Liabilities & Stockholders Equity | 2,441.82 | 2,336.63 | 2,370.95 | 2,398.45 | 2,331.58 | 2,311.98 |
| Book Value Per Share | 28.33 | 28.02 | 27.44 | 27.36 | 27.36 | 26.83 |
| Tangible Book Value Per Share | 25.59 | 25.31 | 24.76 | 24.65 | 24.67 | 24.15 |
| Tier 1 Capital | 215.72 | 215.65 | 210.22 | 204.43 | 205.43 | 203.28 |
| Tier 2 Capital | 20.57 | 19.79 | 19.73 | 18.31 | 19.58 | 19.34 |
| Full-Time Employees | - | - | - | 194 | - | - |
| Price to Book Ratio | 0.77 | 0.85 | 0.79 | 0.84 | 0.84 | 0.86 |
| Return on Assets | 0.42 | 0.40 | 0.33 | 0.31 | 0.47 | 0.48 |
| Return on Equity | 4.98 | 4.60 | 3.84 | 3.68 | 5.60 | 5.69 |
| Return on Invested Capital | 1.46 | 1.31 | 0.55 | 0.01 | 1.01 | 0.71 |
| Current Ratio | 0.59 | 0.61 | 0.88 | 0.11 | 0.78 | 0.71 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 7.43 | 19.04 | -3.19 | 11.08 | 3.45 | 1.50 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 7.55 | -0.59 | 0.68 | -2.83 | -0.70 | -3.56 |
| Cash from Operating Activities | 14.97 | 18.44 | -2.51 | 8.25 | 2.75 | -2.06 |
| Capital Expenditures | -15.28 | -0.44 | -0.18 | -0.23 | -0.32 | -0.09 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 |
| Purchase or Sale of Investments | -5.52 | -29.34 | -6.51 | 3.23 | 3.35 | -9.07 |
| Purchase of Investments | -11.48 | -32.28 | -18.73 | -13.47 | -19.33 | -15.04 |
| Sale Or Maturity of Investments | 5.96 | 2.94 | 12.22 | 16.69 | 22.68 | 5.97 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -108.81 | -33.79 | 1.85 | -18.41 | -14.87 | -7.72 |
| Cash Dividends Paid | -0.73 | -0.74 | -0.75 | -0.76 | -0.75 | -0.75 |
| Preferred Dividends (Cash Flow) | 0.00 | - | - | - | 0.00 | - |
| Change in Capital Stock | -2.17 | -2.53 | 0.00 | -1.28 | -0.55 | 0.00 |
| Repurchase of Common Pref Stock | -2.17 | -2.65 | 0.00 | -1.28 | -0.55 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.12 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.01 | -25.06 | -6.68 | 0.00 | -7.08 | 0.00 |
| Change in Long Term Debt | 0.01 | -25.06 | -6.68 | 0.00 | -7.08 | 0.00 |
| Issuance of Long Term Debt | 0.01 | -0.06 | 94.04 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | -25.00 | -100.72 | 0.00 | -7.08 | 0.00 |
| Net Financing Active Other Cash Flow | -0.02 | -0.01 | -0.33 | -0.03 | -0.02 | -0.01 |
| Other Financing Activities Uses | -0.02 | -0.01 | -0.33 | -0.03 | -0.02 | -0.01 |
| Cash from Financing Activities | 95.17 | -37.85 | -13.80 | 51.49 | 15.15 | 14.08 |
| Net Change in Cash | 1.34 | -53.20 | -14.46 | 41.34 | 3.03 | 4.30 |
| Free Cash Flow | 14.70 | 18.00 | -2.70 | 8.02 | 2.43 | -2.15 |
| Price to Free Cash Flow | 5.06 | 7.40 | 60.21 | 18.76 | 49.53 | 56.96 |
Revenue breakdown
| State Commercial Banks | 2024: 68.43M 2025: 73.32M |
|---|---|
| United States | 2024: 68.43M 2025: 73.32M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.02% | 0.0M | 4.1M | 35.66K |
| 2026-10-15 | 1.25% | 0.1M | 4.1M | 43.34K |
| 2026-09-30 | 1.37% | 0.1M | 4.1M | 47.21K |
| 2026-09-15 | 1.57% | 0.1M | 4.1M | 56.46K |
| 2026-08-31 | 2.26% | 0.1M | 4.1M | 61.35K |
| 2026-08-14 | 2.19% | 0.1M | 4.2M | 68.36K |
| 2026-07-31 | 2.44% | 0.1M | 4.1M | 60.87K |
| 2026-07-15 | 2.18% | 0.1M | 4.1M | 51.97K |
| 2026-06-30 | 1.55% | 0.1M | 4.1M | 44.75K |
| 2026-06-15 | 1.07% | 0.0M | 4.1M | 31.71K |
| 2026-05-29 | 0.68% | 0.0M | 4.1M | 21.24K |
| 2026-05-15 | 1.15% | 0.0M | 4.1M | 11.90K |
| 2026-04-30 | 1.50% | 0.1M | 4.1M | 10.12K |
| 2026-04-15 | 1.28% | 0.1M | 5.3M | 11.91K |
| 2026-03-31 | 1.59% | 0.1M | 4.6M | 12.65K |
| 2026-03-13 | 1.54% | 0.1M | 4.6M | 13.01K |
| 2026-02-27 | 1.39% | 0.1M | 4.6M | 14.91K |
| 2026-02-13 | 1.52% | 0.1M | 4.6M | 15.91K |
| 2026-01-30 | 1.23% | 0.1M | 4.6M | 18.57K |
| 2026-01-15 | 1.33% | 0.1M | 4.6M | 16.17K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-05 | 8-K | Current report | 2026-11-05 | SEC |
| 2026-10-28 | 8-K | Current report | 2026-10-28 | SEC |
| 2026-09-10 | 8-K | Current report | 2026-09-10 | SEC |
| 2026-09-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-01 | SEC |
| 2026-08-26 | 8-K | Current report | 2026-08-26 | SEC |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-30 | SEC |
| 2026-08-03 | 3 | Initial statement of beneficial ownership of securities | 2026-07-27 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-20 | 8-K | Current report | 2026-07-20 | SEC |
| 2026-06-29 | S-8 | Initial registration statement for securities to be offered to employees pursuant to employee benefit plans | SEC | |
| 2026-06-18 | EFFECT | Effectiveness filing by commission order | SEC | |
| 2026-06-18 | 424B3 | SEC | ||
| 2026-06-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-12 | SEC |
| 2026-06-16 | CORRESP | SEC | ||
| 2026-06-15 | UPLOAD | Upload Submission | SEC | |
| 2026-06-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | S-4 | Registration statement for securities to be issued in business combination transactions | SEC | |
| 2026-06-04 | 8-K | Current report | 2026-06-04 | SEC |
| 2026-06-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-29 | SEC |
| 2026-06-01 | 8-K | Current report | 2026-05-28 | SEC |
| 2026-05-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-19 | SEC |
| 2026-05-18 | SCHEDULE 13G/A | SEC | ||
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-06 | SEC |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-01 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 268.80K | 1 | 0 | 0 |
| 2026-06 | 0 | 0 | 352.81K | 4 |
| 2026-05 | 0 | 0 | 141.14K | 4 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 28.27K | 2 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 106.25K | 1 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 3.97% |
| ALLIANCEBERNSTEIN L.P. | 3.61% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.10% |
| Fourthstone LLC | 2.02% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 1.81% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.47% |
| Bull Street Advisors, LLC | 1.09% |
| DIMENSIONAL FUND ADVISORS LP | 1.07% |
| STATE STREET CORP | 1.02% |
| Nuveen, LLC | 1.00% |
Funds
| Fund | % owned |
|---|---|
| Thompson Bond Fund | 56.69% |
| Angel Oak Financial Strategies Income Term Trust | 55.89% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.24% |
| iShares Russell 2000 ETF | 1.54% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.77% |
| iShares Russell 2000 Value ETF | 0.74% |
| Fidelity Small Cap Index Fund | 0.64% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.36% |
| The Gabelli Small Cap Growth Fund | 0.35% |
| Multi-Manager Small Cap Equity Strategies Fund | 0.33% |
OakChart. HNVR. Cached 15 minutes.