净利润和收入 - 第一季度净利润为410万美元，每股稀释收益为0.55美元，较上一季度增长7.8%[1] - 第一季度净利息收入为1290万美元，较上一季度增长2.2%[2] - Hanover Bancorp, Inc. 2024年第一季度净利润为4,061,000美元，同比增长26.5%[40] 存款和贷款 - 核心存款增长5.1%，总存款增长12.3%[6] - 贷款总额为20.1亿美元，较去年同期增长12.2%[7] - 不良贷款占总贷款组合的比例为0.74%，拨备覆盖率为0.99%[8] - Hanover Bancorp, Inc. 2024年第一季度不良贷款占总贷款比例为0.74%[43] - Hanover Bancorp, Inc. 2024年第一季度房屋抵押贷款总额为730,017,000美元，同比增长2.47%[44] 收入来源 - 非利息收入较去年同期增长103.6%，创下公司历史记录[4] - SBA贷款销售额较去年同期增长152%[9] - 2024年第一季度，Hanover Bancorp, Inc.的贷款利息收入为29737千美元，较2023年同期的23941千美元增长了24.3%[48] - 2024年第一季度，Hanover Bancorp, Inc.的投资证券利息收入为1457千美元，较2023年同期的198千美元增长了636.9%[48] 资产质量和风险 - 银行的资产质量比同行中表现强劲，2024年3月31日，不良贷款为1490万美元，占总贷款余额的0.74%[28] - 银行2024年第一季度录得信贷损失准备费用为30万美元，信贷损失准备余额为1990万美元，较去年同期有所增长[29] - Hanover Bancorp, Inc. 2024年第一季度资产回报率为0.74%[42] 股利和股东权益 - 每股有形账面价值为23.01美元，较去年同期增长4.5%[12] - 董事会批准每股普通股和A类优先股的现金股利为0.10美元[13] 利差和资产规模 - 银行的净利差在2024年第一季度略微增加至2.41%，主要是由于贷款平均收益率的增加和借款成本的降低[32] - 银行的总资产为23.08亿美元，核心存款为14.53亿美元，时间存款为4.64亿美元，总存款为19.17亿美元[39]

First Quarter Performance Highlights Net Income: Net income for the quarter ended March 31, 2024 totaled $4.1 million or $0.55 per diluted share (including Series A preferred shares), versus $3.8 million or $0.51 per diluted share (including Series A preferred shares) in the prior linked quarter and $3.2 million or $0.43 per diluted share (including Series A preferred shares) in the comparable 2023 quarter. Our first quarter results reflect linked quarter and year over year increases in diluted earnings per ...

B. Riley Financial Inc. (RILY) - 有大约76%的股票被做空[4] - 股票价格上涨近30%，市值达到了2.22倍的账面价值[5] - 有望从投资银行领域的复苏中受益[6] Upstart Holdings (UPST) - 有大约36.65%的股票被做空[13] - 贷款额下降了19%，预计在2024年后期经济环境将进一步压缩[13] Hanover Bancorp, Inc. (HNVR) - 股票有14天的相对强度指数为13，显示投资者悲观情绪[14] - 股票价格相对价值较低，前瞻性股息收益率为2.76%[18]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2023 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For ☐ the transition period from to Commission file number: 001-41384 HANOVER BANCORP, INC. (Exact name of registrant as specified in its charter) New York 81-3324480 (State or ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File No. 001-41384 HANOVER BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New York 81-3324480 (State o ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File No. 001-41384 HANOVER BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New York 81-3324480 (State ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File No. 001-41384 HANOVER BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter) New York 81-3324480 (Sta ...