Demonstrações financeiras detalhadas de Hanover Bancorp, Inc. (HNVR): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Hanover Bancorp, Inc. registou receitas de $143.3M no último exercício, com um CAGR de 5 anos de 28.1%. O lucro líquido atingiu $7.5M, com CAGR de 5 anos de 8.5%.
Margens dos últimos 12 meses: margem bruta 44.5%, margem operacional 3.7%, margem líquida 7.1%.
Ao preço atual de $26.46, HNVR negocia a um P/L de 20.76 e um ROE de 4.69%. A capitalização de mercado é de $189M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $9.5M | $13.0M | $19.3M | $39.3M | $41.5M | $52.0M | $77.3M | $113.9M | $148.4M | $143.3M |
| Custo da Receita | 0 | 0 | 0 | 0 | $14.3M | $8.0M | $11.6M | $54.0M | $84.9M | $80.4M |
| Lucro Bruto | $9.5M | $13.0M | $19.3M | $39.3M | $27.2M | $44.1M | $65.7M | $59.9M | $63.5M | $62.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $5.6M | $8.0M | $10.7M | $13.8M | $12.4M | $14.9M | $20.0M | $21.9M | $27.0M | $35.6M |
| Despesas Operacionais | $6.5M | $9.4M | $12.8M | $3.3M | $21.0M | $30.0M | $35.2M | $39.7M | $47.1M | $53.0M |
| Lucro Operacional | $3.0M | $3.9M | $7.5M | $11.4M | $6.2M | $14.1M | $30.5M | $20.2M | $16.4M | $10.0M |
| EBITDA | $7.8M | $10.0M | $17.2M | $11.0M | $7.6M | $15.5M | $32.2M | $23.7M | $20.2M | $14.1M |
| Despesas com Juros | 0 | 0 | 0 | $2.8M | $13.0M | $7.0M | $7.2M | $50.6M | $79.9M | $70.0M |
| Lucro Antes de Impostos | $3.0M | $3.6M | $6.5M | $10.3M | $6.2M | $14.1M | $30.5M | $20.2M | $16.4M | $10.0M |
| Imposto | $1.1M | $1.5M | $1.9M | $2.2M | $1.2M | $3.2M | $6.9M | $5.0M | $4.0M | $2.5M |
| Lucro Líquido | $2.0M | $2.2M | $4.6M | $8.1M | $5.0M | $10.9M | $23.6M | $15.2M | $12.3M | $7.5M |
| LPA | $0.75 | $0.78 | $1.36 | $1.93 | $1.19 | $2.32 | $3.74 | $2.07 | $1.67 | $1.00 |
| LPA Diluído | $0.75 | $0.78 | $1.36 | $1.93 | $1.19 | $2.28 | $3.68 | $2.05 | $1.66 | $1.00 |
| Ações em Circulação (Diluídas) | $2.6M | $2.8M | $3.4M | $4.2M | $4.2M | $4.8M | $6.2M | $7.1M | $7.4M | $7.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $35.8M | $35.4M | $32.3M | $29.7M |
| Lucro Bruto | $16.7M | $12.5M | $16.4M | $13.7M |
| Lucro Operacional | $4.7M | $136000 | $226000 | -$81000 |
| EBITDA | $5.7M | $1.2M | $2.5M | -$2.4M |
| Lucro Líquido | $3.5M | $33000 | $1.9M | $4.1M |
| LPA | $0.47 | $0.00 | $0.25 | $0.55 |
| LPA Diluído | $0.47 | $0.00 | $0.25 | $0.55 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $27.9M | $35.0M | $57.1M | $87.8M | $80.2M | $151.3M | $149.5M | $176.7M | $162.9M | $208.9M |
| Investimentos de Curto Prazo | 0 | 0 | 0 | 0 | $6.0M | $7.7M | $12.3M | $61.4M | $83.8M | $36.9M |
| Contas a Receber | 0 | 0 | 0 | 0 | $6.8M | $9.4M | $8.5M | $11.9M | $11.8M | $11.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $27.9M | $35.0M | $57.1M | $95.5M | $93.0M | $172.6M | $173.8M | $253.5M | $261.8M | $260.9M |
| Imobilizado | 0 | 0 | $13.8M | $14.4M | $14.2M | $15.0M | $14.5M | $15.9M | $15.3M | $14.3M |
| Ágio | 0 | 0 | 0 | $1.5M | $1.9M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | $177000 | $4.2M | $4.8M | $5.0M | $6.3M | $6.5M |
| Ativos Totais | $362.3M | $501.4M | $650.0M | $848.8M | $851.6M | $1.48B | $1.84B | $2.27B | $2.31B | $2.38B |
| Contas a Pagar | 0 | 0 | 0 | 0 | $374000 | $1.3M | $915000 | $1.7M | $1.5M | $1.7M |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | 0 | 0 | 0 | $225.8M | $374000 | $1.17B | $1.53B | $1.91B | $1.96B | $2.03B |
| Dívida de Longo Prazo | $60.4M | $82.4M | $124.5M | $115.7M | $100.1M | $184.2M | $126.3M | $153.6M | $132.5M | $125.5M |
| Passivos Totais | $60.4M | $82.4M | $124.5M | $776.9M | $773.6M | $1.36B | $1.67B | $2.09B | $2.12B | $2.18B |
| Reservas | 0 | 0 | 0 | $9.1M | $14.1M | $25.0M | $46.5M | $58.6M | $67.9M | $72.4M |
| Patrimônio Líquido | $32.1M | $41.8M | $54.2M | $72.0M | $78.0M | $122.5M | $172.6M | $184.8M | $196.6M | $200.3M |
| Dívida Total | $60.4M | $82.4M | $124.5M | $115.7M | $100.1M | $184.2M | $126.3M | $164.0M | $141.5M | $136.0M |
| Dívida Líquida | $32.5M | $47.4M | $67.4M | $27.9M | $13.9M | $25.2M | -$35.5M | -$74.1M | -$105.1M | -$109.8M |
| Capital de Giro | $27.9M | $35.0M | $57.1M | -$130.2M | $92.6M | -$993.4M | -$1.36B | -$1.65B | -$1.69B | -$1.77B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $167.6M | $208.9M | $194.4M | $141.2M |
| Ativos Totais | $2.33B | $2.38B | $2.37B | $2.34B |
| Passivos Totais | $2.13B | $2.18B | $2.17B | $2.13B |
| Patrimônio Líquido | $201.8M | $200.3M | $201.4M | $202.7M |
| Dívida Total | $136.5M | $136.0M | $127.6M | $101.7M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $2.0M | $2.2M | $4.6M | $8.1M | $5.0M | $10.9M | $23.6M | $15.2M | $12.3M | $7.5M |
| Depreciação e Amortização | 0 | 0 | 0 | $700000 | $1.3M | $1.5M | $1.7M | $3.5M | $3.9M | $4.1M |
| Compensação em Ações | 0 | 0 | 0 | $416000 | $766000 | $901000 | $1.7M | $1.9M | $1.6M | $1.6M |
| Variação Capital de Giro | 0 | 0 | 0 | $2.2M | -$6.9M | $3.4M | $565000 | -$3.2M | -$6.6M | -$2.9M |
| Fluxo de Caixa Operacional | 0 | 0 | 0 | $8.0M | $566000 | $13.2M | $25.0M | $16.4M | $5.4M | $13.1M |
| CapEx | 0 | 0 | 0 | -$1.5M | -$1.1M | -$2.1M | -$1.1M | -$3.4M | -$1.3M | -$869000 |
| Aquisições | 0 | 0 | 0 | $14.5M | -$3.9M | $26.2M | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$198000 | -$1.8M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | -$2.0M | -$2.9M | -$3.0M | -$3.0M |
| Fluxo de Caixa Livre | 0 | 0 | 0 | $6.4M | -$527000 | $11.1M | $23.9M | $13.0M | $4.1M | $12.2M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $2.7M | $8.2M | -$2.5M | $18.4M |
| CapEx | -$317000 | -$234000 | -$184000 | $184000 |
| Fluxo de Caixa Livre | $2.4M | $8.0M | -$2.7M | $18.6M |
| Dividendos Pagos | -$748000 | -$762000 | -$746000 | -$742000 |
| Compensação em Ações | $323000 | $363000 | $358000 | $441000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +37.3% | +48.2% | +103.0% | +5.7% | +25.4% | +48.6% | +47.3% | +30.3% | -3.4% |
| Crescimento Lucro Líquido (anual) | | +9.5% | +113.8% | +75.7% | -38.5% | +118.2% | +117.1% | -35.6% | -18.6% | -39.3% |
| Crescimento LPA (anual) | | +4.0% | +74.4% | +41.9% | -38.3% | +95.0% | +61.2% | -44.7% | -19.3% | -40.1% |
| Variação de Ações (anual) | | +5.3% | +22.6% | +23.7% | +0.0% | +13.7% | +29.4% | +15.6% | +4.4% | +0.6% |
| Crescimento FCF (anual) | | | | | -108.2% | +2208.7% | +115.3% | -45.7% | -68.1% | +193.7% |
| Margem Bruta | 100.0% | 100.0% | 100.0% | 100.0% | 65.6% | 84.7% | 85.0% | 52.6% | 42.8% | 43.9% |
| Margem Operacional | 32.0% | 30.0% | 38.6% | 29.0% | 15.0% | 27.0% | 39.4% | 17.7% | 11.0% | 6.9% |
| Margem EBITDA | 82.6% | 76.7% | 88.9% | 28.1% | 18.2% | 29.8% | 41.7% | 20.8% | 13.6% | 9.8% |
| Margem Líquida | 20.7% | 16.5% | 23.8% | 20.6% | 12.0% | 20.9% | 30.5% | 13.3% | 8.3% | 5.2% |
| Margem FCF | 0.0% | 0.0% | 0.0% | 16.4% | -1.3% | 21.4% | 31.0% | 11.4% | 2.8% | 8.5% |
| Taxa Efetiva de Imposto | 35.4% | 40.5% | 29.5% | 21.7% | 20.0% | 22.8% | 22.8% | 24.9% | 24.6% | 24.8% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.00 | $0.00 | $0.00 | $1.54 | $-0.13 | $2.34 | $3.89 | $1.82 | $0.56 | $1.63 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.33 | $0.41 | $0.40 | $0.40 |
| Ações em Circulação (Básicas) | $2.6M | $2.8M | $3.4M | $4.2M | $4.2M | $4.7M | $6.1M | $7.0M | $7.4M | $7.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 4.69% |
| Retorno sobre capital investido | 0.15% |
| Retorno sobre ativos | 0.40% |
| Margem bruta | 44.53% |
| Margem operacional | 3.72% |
| Margem líquida | 7.11% |
Saúde financeira
| Dívida / Patrimônio | 0.50 |
| Liquidez corrente | 0.00 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 28.13 | 27.05 | 15.51 | 10.93 | 17.73 | 9.09 | 5.11 | 8.74 | 13.81 | 23.11 |
| P/VP | 1.72 | 1.39 | 1.32 | 1.23 | 1.13 | 0.80 | 0.67 | 0.69 | 0.87 | 0.86 |
| P/V | 5.82 | 4.46 | 3.69 | 2.25 | 2.13 | 1.89 | 1.50 | 1.12 | 1.15 | 1.20 |
| Margem Bruta | 100.0% | 100.0% | 100.0% | 100.0% | 65.6% | 84.7% | 85.0% | 52.6% | 42.8% | 43.9% |
| Margem Operacional | 32.0% | 30.0% | 38.6% | 29.0% | 15.0% | 27.0% | 39.4% | 17.7% | 11.0% | 6.9% |
| Margem Líquida | 20.7% | 16.5% | 23.8% | 20.6% | 12.0% | 20.9% | 30.5% | 13.3% | 8.3% | 5.2% |