Hanover Bancorp (HNVR) Competitors

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

Do insiders and institutionals hold more shares of ORRF or HNVR?

44.3% of Orrstown Financial Services shares are held by institutional investors. Comparatively, 15.0% of Hanover Bancorp shares are held by institutional investors. 4.7% of Orrstown Financial Services shares are held by company insiders. Comparatively, 24.8% of Hanover Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Which has more volatility and risk, ORRF or HNVR?

Orrstown Financial Services has a beta of 0.79, suggesting that its share price is 21% less volatile than the S&P 500. Comparatively, Hanover Bancorp has a beta of 0.07, suggesting that its share price is 93% less volatile than the S&P 500.

Is ORRF or HNVR more profitable?

Orrstown Financial Services has a net margin of 9.74% compared to Hanover Bancorp's net margin of 6.58%. Orrstown Financial Services' return on equity of 14.35% beat Hanover Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Orrstown Financial Services	9.74%	14.35%	1.35%
Hanover Bancorp	6.58%	6.64%	0.54%

Which has stronger valuation and earnings, ORRF or HNVR?

Orrstown Financial Services has higher revenue and earnings than Hanover Bancorp. Orrstown Financial Services 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
Orrstown Financial Services	$286.37M	2.17	$22.05M	$1.96	16.25
Hanover Bancorp	$148.36M	1.05	$12.35M	$1.31	16.39

Do analysts prefer ORRF or HNVR?

Orrstown Financial Services currently has a consensus price target of $36.80, indicating a potential upside of 15.54%. Hanover Bancorp has a consensus price target of $22.00, indicating a potential upside of 2.47%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, equities analysts plainly believe Orrstown Financial Services is more favorable than Hanover Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orrstown Financial Services	0 Sell rating(s)	0 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	3.00
Hanover Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media favor ORRF or HNVR?

In the previous week, Orrstown Financial Services and Orrstown Financial Services both had 4 articles in the media. Orrstown Financial Services' average media sentiment score of 1.06 beat Hanover Bancorp's score of 0.22 indicating that Orrstown Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Orrstown Financial Services	1 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Hanover Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is ORRF or HNVR a better dividend stock?

Orrstown Financial Services pays an annual dividend of $1.04 per share and has a dividend yield of 3.3%. Hanover Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. Orrstown Financial Services pays out 53.1% 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. Orrstown Financial Services has increased its dividend for 10 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Orrstown Financial Services beats Hanover Bancorp on 15 of the 18 factors compared between the two stocks.