Hanover Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022
Net Income	-	12.35	13.59	15.16	23.56
Depreciation & Amortization	-	3.87	3.64	3.49	1.74
Other Amortization	-	0.05	0.05	0.05	0.06
Gain (Loss) on Sale of Investments	-	0.98	-0.5	-0.75	-3.68
Provision for Credit Losses	-	4.94	2.13	3.43	4.45
Accrued Interest Receivable	-	0.07	-2.39	-2.09	0.82
Change in Other Net Operating Assets	-	-8.21	-1.47	-3.55	0.16
Other Operating Activities	-	1.4	2.54	1.96	1.81
Operating Cash Flow	-	5.9	14.44	16.4	25.08
Operating Cash Flow Growth	-	-59.14%	-11.97%	-34.61%	90.12%
Capital Expenditures	-	-1.29	-2.92	-3.41	-1.12
Investment in Securities	-	-21.38	-50.16	0.35	-1.37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-23.87	-214.87	-249.04	-369.09
Other Investing Activities	-	0.73	3.59	-4.27	-2.57
Investing Cash Flow	-	-45.82	-264.36	-256.36	-374.15
Short-Term Debt Issued	-	-	-	-	55
Long-Term Debt Issued	-	20	-	100.73	-
Total Debt Issued	-	20	100.73	100.73	55
Short-Term Debt Repaid	-	-	-	-6	-
Long-Term Debt Repaid	-	-41.15	-	-16.57	-112.71
Total Debt Repaid	-	-41.15	-210.03	-22.57	-112.71
Net Debt Issued (Repaid)	-	-21.15	-109.31	78.16	-57.71
Issuance of Common Stock	-	-	0.17	0.11	27.73
Repurchase of Common Stock	-	-0.2	-0.5	-0.17	-0.03
Common Dividends Paid	-	-2.96	-2.93	-2.93	-2.04
Net Increase (Decrease) in Deposit Accounts	-	49.94	387.39	207.47	364.52
Other Financing Activities	-	-0.07	-	-	-
Financing Cash Flow	-	25.57	274.83	282.64	332.47
Net Cash Flow	-	-14.35	24.91	42.68	-16.6
Free Cash Flow	-	4.61	11.52	12.99	23.96
Free Cash Flow Growth	-	-60.01%	-11.34%	-45.77%	115.59%
Free Cash Flow Margin	-	7.26%	19.06%	22.05%	36.48%
Free Cash Flow Per Share	-	0.64	1.61	1.82	3.89
Cash Interest Paid	-	80.12	60.86	49.65	7.55
Cash Income Tax Paid	-	4.03	4.51	4.4	6.47

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q