Hanover Bancorp, Inc. (HNVR)

Hanover Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Net Income	9.46	7.49	12.35	13.59	15.16	23.56
Depreciation & Amortization	5.98	4.15	3.87	3.64	3.49	1.74
Other Amortization	0.06	0.05	0.05	0.05	0.05	0.06
Gain (Loss) on Sale of Assets	-0.17	-0.17	-	-	-	-
Gain (Loss) on Sale of Investments	1.77	1.6	0.98	-0.5	-0.75	-3.68
Provision for Credit Losses	8.46	10.38	4.94	2.13	3.43	4.45
Net Decrease (Increase) in Loans Originated / Sold - Operating	8.27	-	-	-	-	-
Accrued Interest Receivable	0.02	0.07	0.07	-2.39	-2.09	0.82
Change in Other Net Operating Assets	-3.76	-5.2	-8.21	-1.47	-3.55	0.16
Other Operating Activities	3.4	3.07	1.4	2.54	1.96	1.81
Operating Cash Flow	26.93	13.05	5.44	14.44	16.4	25.08
Operating Cash Flow Growth	284.75%	139.91%	-62.32%	-11.97%	-34.61%	90.12%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Capital Expenditures	-1.18	-0.87	-1.29	-2.92	-3.41	-1.12
Sale of Property, Plant and Equipment	0.3	0.3	-	-	-	-
Investment in Securities	-29.28	-11.49	-21.38	-50.16	0.35	-1.37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-37.08	-15.98	-23.41	-214.87	-249.04	-369.09
Other Investing Activities	2.02	0.09	0.73	3.59	-4.27	-2.57
Investing Cash Flow	-65.21	-27.95	-45.36	-264.36	-256.36	-374.15

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Short-Term Debt Issued	-	-	-	-	-	55
Long-Term Debt Issued	-	-	20	-	100.73	-
Total Debt Issued	93.98	-	20	100.73	100.73	55
Short-Term Debt Repaid	-	-	-	-	-6	-
Long-Term Debt Repaid	-	-7.08	-41.15	-	-16.57	-112.71
Total Debt Repaid	-132.81	-7.08	-41.15	-210.03	-22.57	-112.71
Net Debt Issued (Repaid)	-38.83	-7.08	-21.15	-109.31	78.16	-57.71
Issuance of Common Stock	0.12	-	-	0.17	0.11	27.73
Repurchase of Common Stock	-4.86	-2.61	-0.2	-0.5	-0.17	-0.03
Common Dividends Paid	-3	-3.01	-2.96	-2.93	-2.93	-2.04
Net Increase (Decrease) in Deposit Accounts	61.56	74.11	49.94	387.39	207.47	364.52
Other Financing Activities	-	-0.47	-0.07	-	-	-
Financing Cash Flow	14.99	60.94	25.57	274.83	282.64	332.47

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Net Cash Flow	-23.29	46.05	-14.35	24.91	42.68	-16.6

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Free Cash Flow	25.75	12.18	4.15	11.52	12.99	23.96
Free Cash Flow Growth	260.62%	193.68%	-63.99%	-11.34%	-45.77%	115.59%
Free Cash Flow Margin	38.54%	19.36%	6.53%	19.06%	22.05%	36.48%
Free Cash Flow Per Share	3.56	1.68	0.58	1.61	1.82	3.89

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Sep 30, 2022
Cash Interest Paid	65.46	69.79	80.12	60.86	49.65	7.55
Cash Income Tax Paid	1.6	2.58	4.03	4.51	4.4	6.47

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 8, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 27, 2026

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