Hanover Bancorp (HNVR) Competitors

X Financial (NYSE:XYF) and Hanover Bancorp (NASDAQ:HNVR) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, community ranking, risk, media sentiment, analyst recommendations, earnings, valuation, dividends and institutional ownership.

Does the media favor XYF or HNVR?

In the previous week, Hanover Bancorp had 3 more articles in the media than X Financial. MarketBeat recorded 5 mentions for Hanover Bancorp and 2 mentions for X Financial. Hanover Bancorp's average media sentiment score of 0.99 beat X Financial's score of 0.00 indicating that Hanover Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Hanover Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community believe in XYF or HNVR?

X Financial received 124 more outperform votes than Hanover Bancorp when rated by MarketBeat users. However, 62.50% of users gave Hanover Bancorp an outperform vote while only 58.11% of users gave X Financial an outperform vote.

Company	Underperform	Outperform
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%
Hanover Bancorp	Outperform Votes 5 62.50%	Underperform Votes 3 37.50%

Do analysts recommend XYF or HNVR?

Hanover Bancorp has a consensus price target of $22.00, suggesting a potential downside of 5.13%. Given Hanover Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Hanover Bancorp is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Hanover Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Do insiders and institutionals have more ownership in XYF or HNVR?

1.1% of X Financial shares are owned by institutional investors. Comparatively, 15.0% of Hanover Bancorp shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 24.8% of Hanover Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Is XYF or HNVR a better dividend stock?

X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.3%. Hanover Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. X Financial pays out 7.4% of its earnings in the form of a dividend. Hanover Bancorp pays out 30.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more risk & volatility, XYF or HNVR?

X Financial has a beta of -0.1, meaning that its share price is 110% less volatile than the S&P 500. Comparatively, Hanover Bancorp has a beta of 0.11, meaning that its share price is 89% less volatile than the S&P 500.

Is XYF or HNVR more profitable?

X Financial has a net margin of 25.03% compared to Hanover Bancorp's net margin of 8.32%. X Financial's return on equity of 20.66% beat Hanover Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	25.03%	20.66%	11.17%
Hanover Bancorp	8.32%	6.71%	0.54%

Which has preferable valuation and earnings, XYF or HNVR?

X Financial has higher revenue and earnings than Hanover Bancorp. X Financial is trading at a lower price-to-earnings ratio than Hanover Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$2.56B	0.27	$167.16M	$4.35	3.24
Hanover Bancorp	$70.28M	2.38	$12.35M	$1.31	17.70

Summary

X Financial and Hanover Bancorp tied by winning 10 of the 20 factors compared between the two stocks.