Hanover Bancorp, Inc. (HNVR) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Net Interest Income | 15.83M | 15.22M | 14.79M | 14.63M | 13.81M | 13.1M | 13.25M | 12.94M | 12.66M | 11.8M | 13.51M | 13.92M | 15.26M | 16.42M | 14.82M | 14.74M | 15.27M | 16.13M | 10.45M | 7.8M |
| NII Growth % | 14.64% | 16.19% | 11.69% | 13.1% | 9.08% | 11.04% | -1.91% | -7.1% | -17.07% | -28.15% | -8.87% | -5.56% | -0.03% | 1.8% | 41.85% | 88.98% | 108.39% | 118.99% | 60.69% | 19.72% |
| Net Interest Margin % | 0.66% | 0.65% | 0.64% | 0.64% | 0.6% | 0.56% | 0.57% | 0.56% | 0.56% | 0.55% | 0.64% | 0.67% | 0.77% | 0.89% | 0.92% | 1% | 1.05% | 1.09% | 0.68% | 0.88% |
| Interest Income | 32.6M | 32.99M | 32.05M | 32.84M | 33.06M | 34.11M | 33.42M | 32.43M | 31.16M | 28.95M | 28.46M | 25.06M | 22.57M | 19.61M | 16.26M | 15.94M | 16.62M | 17.76M | 12.04M | 9.38M |
| Interest Expense | 16.77M | 17.77M | 17.25M | 18.21M | 19.25M | 21.01M | 20.17M | 19.5M | 18.5M | 17.15M | 14.95M | 11.14M | 7.31M | 3.19M | 1.44M | 1.2M | 1.35M | 1.63M | 1.59M | 1.58M |
| Loan Loss Provision | 6.1M | 1.32M | 2.36M | 600K | 400K | 200K | 4.04M | 300K | 200K | 500K | 500K | 932K | 1.5M | 2.05M | 1M | 500K | 900K | 700K | 0 | 200K |
| Non-Interest Income | 2.77M | 2.79M | 3.56M | 3.73M | 4.19M | 3.95M | 3.62M | 3.58M | 3.25M | 3.71M | 1.97M | 1.76M | 1.41M | 2M | 1.83M | 2.67M | 2.38M | 1.72M | 650K | 692K |
| Non-Interest Income % | 7.82% | 7.78% | 10% | 10.21% | 11.24% | 10.39% | 9.78% | 9.93% | 9.46% | 11.35% | 6.49% | 6.55% | 5.88% | 9.24% | 10.11% | 14.36% | 12.51% | 8.83% | 5.12% | 6.87% |
| Total Revenue | 35.36M | 35.78M | 35.61M | 36.57M | 37.24M | 38.07M | 37.04M | 36.01M | 34.41M | 32.66M | 30.43M | 26.82M | 23.98M | 21.61M | 18.09M | 18.61M | 18.99M | 19.48M | 12.69M | 10.07M |
| Revenue Growth % | -5.05% | -6.01% | -3.87% | 1.56% | 8.24% | 16.56% | 21.72% | 34.28% | 43.47% | 51.14% | 68.26% | 44.07% | 26.29% | 10.92% | 42.55% | 84.8% | 94.12% | 97.06% | 29.95% | -6.04% |
| Non-Interest Expense | 12.36M | 12.01M | 12.62M | 16M | 12.4M | 12.24M | 11.67M | 10.8M | 10.67M | 10.32M | 10.57M | 10.57M | 8.27M | 8.83M | 8.73M | 9.36M | 8.26M | 7.96M | 10.73M | 5.72M |
| Efficiency Ratio | 34.95% | 33.58% | 35.43% | 43.74% | 33.29% | 32.15% | 31.5% | 30% | 31.01% | 31.59% | 34.72% | 39.41% | 34.49% | 40.86% | 48.27% | 50.27% | 43.52% | 40.85% | 84.58% | 56.84% |
| Operating Income | 136K | 4.67M | 3.38M | 1.76M | 5.2M | 4.62M | 1.16M | 5.41M | 5.04M | 4.69M | 4.41M | 4.18M | 6.9M | 7.54M | 6.92M | 7.56M | 8.48M | 9.19M | 366K | 2.57M |
| Operating Margin % | 0.38% | 13.05% | 9.5% | 4.83% | 13.95% | 12.13% | 3.13% | 15.02% | 14.66% | 14.36% | 14.5% | 15.59% | 28.79% | 34.88% | 38.25% | 40.61% | 44.65% | 47.19% | 2.88% | 25.51% |
| Operating Income Growth % | -97.38% | 1.13% | 191.89% | -67.36% | 3.01% | -1.51% | -73.74% | 29.32% | -26.96% | -37.8% | -36.21% | -44.69% | -18.58% | -18.01% | 1790.16% | 194.24% | 340.98% | 402.68% | -79.47% | 692.9% |
| Pretax Income | 136K | 4.67M | 3.38M | 1.76M | 5.2M | 4.62M | 1.16M | 5.41M | 5.04M | 4.69M | 4.41M | 4.18M | 6.9M | 7.54M | 6.92M | 7.56M | 8.48M | 9.19M | 366K | 2.57M |
| Pretax Margin % | 0.38% | 13.05% | 9.5% | 4.83% | 13.95% | 12.13% | 3.13% | 15.02% | 14.66% | 14.36% | 14.5% | 15.59% | 28.79% | 34.88% | 38.25% | 40.61% | 44.65% | 47.19% | 2.88% | 25.51% |
| Income Tax | 103K | 1.18M | 940K | 244K | 1.29M | 1.08M | 315K | 1.35M | 1.28M | 1.17M | 1.32M | 972K | 1.57M | 1.71M | 1.58M | 1.7M | 1.94M | 2.14M | 145K | 514K |
| Effective Tax Rate % | 75.74% | 25.25% | 27.79% | 13.82% | 24.89% | 23.37% | 27.18% | 24.89% | 25.38% | 24.87% | 29.89% | 23.25% | 22.68% | 22.71% | 22.91% | 22.48% | 22.91% | 23.25% | 39.62% | 20.01% |
| Net Income | 33K | 3.49M | 2.44M | 1.52M | 3.9M | 3.54M | 844K | 4.06M | 3.76M | 3.52M | 3.09M | 3.21M | 5.34M | 5.83M | 5.33M | 5.86M | 6.54M | 7.06M | 221K | 2.06M |
| Net Margin % | 0.09% | 9.76% | 6.86% | 4.16% | 10.48% | 9.3% | 2.28% | 11.28% | 10.94% | 10.79% | 10.17% | 11.97% | 22.26% | 26.96% | 29.49% | 31.48% | 34.42% | 36.22% | 1.74% | 20.4% |
| Net Income Growth % | -99.15% | -1.36% | 189.45% | -62.55% | 3.69% | 0.45% | -72.72% | 26.55% | -29.51% | -39.53% | -41.98% | -45.24% | -18.34% | -17.43% | 2313.12% | 185.16% | 330.35% | 356.4% | -84.32% | 725.3% |
| Net Income (Continuing) | 33K | 3.49M | 2.44M | 1.52M | 3.9M | 3.54M | 844K | 4.06M | 3.76M | 3.52M | 3.09M | 3.21M | 5.34M | 5.83M | 5.33M | 5.86M | 6.54M | 7.06M | 221K | 2.06M |
| EPS (Diluted) | 0.00 | 0.47 | 0.33 | 0.20 | 0.52 | 0.46 | 0.11 | 0.55 | 0.51 | 0.46 | 0.42 | 0.43 | 0.72 | 0.79 | 0.76 | 0.78 | 1.16 | 0.99 | 0.04 | 0.37 |
| EPS Growth % | -99.15% | 2.17% | 200% | -63.64% | 1.96% | 0% | -73.81% | 27.91% | -29.17% | -41.77% | -44.74% | -44.87% | -37.93% | -20.2% | 1819.19% | 110.81% | 452.38% | 350% | -84.16% | 729.6% |
| EPS (Basic) | 0.00 | 0.47 | 0.33 | 0.20 | 0.53 | 0.46 | 0.12 | 0.55 | 0.51 | 0.47 | 0.42 | 0.44 | 0.73 | 0.80 | 0.77 | 0.78 | 1.18 | 0.99 | 0.04 | 0.37 |
| Diluted Shares Outstanding | 7.45M | 7.28M | 7.51M | 7.47M | 7.46M | 7.44M | 7.2M | 7.42M | 7.14M | 7.41M | 7.15M | 7.1M | 7.1M | 7.38M | 6.7M | 7.19M | 5.58M | 7.1M | 5.58M | 5.58M |