All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2020; the latest 2021-08-17.
From the record
Hanover Bancorp, Inc.'s filings since 2020 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2021-08-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+25.2% a year over 6 filed years; profitable in 6 of 6.
From the record
Hanover Bancorp, Inc.'s 6 filed years say what it did: revenue went from $40 million in fiscal 2020 to $130 million in fiscal 2025, up 25.2% a year; it rose in 4 of 5 years; the deepest fall was 2% from fiscal 2024 to fiscal 2025; net income was positive in 6 of 6 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 5.2% a year. 31% of cash flow returned. Insiders: 11 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Hanover Bancorp, Inc.'s diluted share count grew about 5.2% a year, and dividends and buybacks returned about 31% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 11 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $269 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 4%: 4¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Hanover Bancorp, Inc. earned about 4 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count grew 1.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 33% of 155 in its family; net margin 5.7%.
From the record
Hanover Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $130 million in fiscal 2025 ranks in the bottom 19% by size; a net margin of 5.7% ranks in the bottom 4%; revenue growth of 21.9% a year over the last 3 filed years ranks in the top 25% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 5.6/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Hanover Bancorp, Inc.'s leadership is put at 5.6 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 44% of 160 in its family; the record of its people begins on 2022-05-10 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.5 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
top 49% of 142 in its family for room to expand.
From the record
Hanover Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $209 million against no long-term debt tagged leaves 8.8% of its assets as net cash, top 11% of its family; cash from operations less capital spending is 9.3% of revenue (bottom 13%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 20% of 152 in its family for growth drivers.
From the record
Hanover Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 21.9% a year over the last three filed years against 25.2% over all 6, slowing (bottom 12% of its family); the newest year grew -1.9% (bottom 18%); capital spending grew -7.6% a year (bottom 30%) (its annual reports). Hanover Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 8% of 150 in its family for expectations against reality.
From the record
Hanover Bancorp, Inc.'s newest year against its own record: revenue of $130 million in fiscal 2025 came in 27% below the $179 million its prior three years' pace pointed to (bottom 10% of its family); net income of $7 million against a prior three-year average of $17 million (bottom 6%); a net margin of 5.7% against 19.4% before (bottom 8%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made