Hanover Bancorp, Inc. (HNVR)

Hanover Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Income	7.49	12.35	15.16	23.56	10.85
Depreciation & Amortization	2.06	2.15	1.88	1.74	1.48
Provision for Credit Losses	10.38	4.94	3.43	4.45	1
Stock-Based Compensation	1.57	1.59	1.87	1.68	0.9
Net Change in Loans Held-for-Sale	-2.83	-0.46	-	-	-
Other Adjustments	-2.77	-8.53	-2.73	-6.95	-4.46
Changes in Accrued Interest and Accounts Receivable	0.07	0.07	-2.09	0.82	1.92
Changes in Accounts Payable	0.21	-0.19	0.91	-0.38	-0.13
Changes in Accrued Expenses	-1.78	3.07	-0.26	0.16	0.24
Changes in Other Operating Activities	-1.36	-9.54	-1.77	-0.01	1.4
Operating Cash Flow	13.05	5.44	16.4	25.08	13.19
Operating Cash Flow Growth	139.91%	-66.83%	-34.61%	90.12%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.09	0.73	-4.27	-2.57	1.15
Net Change in Loans Held-for-Investment	-15.98	-23.41	-249.04	-369.09	63.64
Net Change in Securities and Investments	-11.49	-21.38	0.35	-1.37	0.98
Payments for Business Acquisitions	-	-	-	-	26.16
Capital Expenditures	-0.87	-1.29	-3.41	-1.12	-2.08
Sale of Property, Plant & Equipment	0.3	-	-	-	-
Investing Cash Flow	-27.95	-45.36	-256.36	-374.15	89.85
Net Change in Deposits	74.11	49.94	207.47	364.52	157.73
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-6	55	-
Short-Term Debt Issued	-	20	-	-	-
Short-Term Debt Repaid	-	-22.29	-4.77	-108.71	-149.24
Net Short-Term Debt Issued (Repaid)	-	-2.29	-4.77	-108.71	-149.24
Long-Term Debt Issued	-	-	100.73	-	24.46
Long-Term Debt Repaid	-7.08	-18.86	-11.8	-4	-49.76
Net Long-Term Debt Issued (Repaid)	-7.08	-18.86	88.93	-4	-25.3
Issuance of Common Stock	-0.47	-0.07	0.11	27.73	0.11
Repurchase of Common Stock	-2.61	-0.2	-0.17	-0.03	-
Net Common Stock Issued (Repurchased)	-3.08	-0.27	-0.06	27.7	0.11
Common Dividends Paid	-3.01	-2.96	-2.93	-2.04	-
Financing Cash Flow	60.94	25.57	282.64	332.47	-16.71
Net Cash Flow	46.05	-14.35	42.68	-16.6	86.34
Free Cash Flow	12.18	4.15	12.99	23.96	11.11
Free Cash Flow Growth	193.68%	-68.08%	-45.77%	115.59%	-
FCF Margin	19.36%	6.53%	21.69%	36.48%	25.22%
Free Cash Flow Per Share	1.68	0.58	1.82	3.89	2.38
Levered Free Cash Flow	-1.26	-14.54	94.58	-87.94	-160.87
Unlevered Free Cash Flow	-1.67	-5.74	-4.74	1.22	2.82

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q