HNVR
Hanover Bancorp, Inc.
HNVR has slightly lower modeled downside risk, despite its lower overall score.
JPM
JPMorgan Chase & Co.
JPM has the edge over HNVR overall, supported by stronger fundamentals and stronger valuation.
HNVR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
HNVR's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HNVR.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
HNVR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.7x | $9.35 | -58% |
| Forward | 7.9x | $22.23 | — |
| Fair | 11x | $16.03 | -28% |
| Current | 16x | $22.23 | — |
| Expensive | 17x | $24.34 | +9.5% |
Historical ranges are pointers, not guarantees.
HNVR's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 7.9x next year's earnings, in its cheap range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over HNVR in the historical PE scenario, which offers more potential upside but is not a forecast.
HNVR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
HNVR has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
HNVR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.81 | +101% |
| Q3 2026 | $1.40 | -7.9% |
| Q2 2026 | $1.27 | -17% |
| Q1 2026 | $1.05 | -20% |
| Q4 2025 | $1.00 | -40% |
| Q3 2025 | $1.52 | -7.9% |
| Q2 2025 | $1.53 | -7.3% |
| Q1 2025 | $1.31 | -33% |
| Q4 2024 | $1.66 | -9.8% |
HNVR's earnings per share have fallen from their peak: $1.40 over the past year, against $4.43 in mid-2022.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over HNVR on earnings, with more consistent year-over-year improvement.
HNVR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $19.3M | +7.1% |
| Q2 2026 | $19.6M | +6.6% |
| Q1 2026 | $19.1M | +4.1% |
| Q4 2025 | $18.6M | +3.3% |
| Q3 2025 | $18M | +5.6% |
| Q2 2025 | $18.4M | +8.8% |
| Q1 2025 | $18.4M | +11% |
| Q4 2024 | $18M | +13% |
HNVR's revenue has grown year over year for 11 quarters in a row: $19M last quarter, up 7.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +4.1 points |
| Q2 2026 | 28% | +9.3 points |
| Q1 2026 | 16% | +5.9 points |
| Q4 2025 | 0.7% | -28 points |
| Q3 2025 | 26% | -1.1 points |
| Q2 2025 | 18% | +12 points |
| Q1 2025 | 9.6% | -23 points |
| Q4 2024 | 29% | -2.8 points |
HNVR's operating margin was 30% last quarter, up 4.1 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over HNVR on profitability, with a higher operating margin.
HNVR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.7M | +504% |
| Q2 2026 | $18M | +$20.2M |
| Q1 2026 | -$2.7M | -169% |
| Q4 2025 | $8M | +278% |
| Q3 2025 | $2.4M | +18% |
| Q2 2025 | -$2.2M | +$708K |
| Q1 2025 | $3.9M | +18% |
| Q4 2024 | $2.1M | -44% |
HNVR has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
HNVR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.5% | -106K shares |
| 1 year | -2.3% | -165K shares |
| 3 years | -0.1% | -6.1K shares |
| 5 years | +50% | +2.4M shares |
HNVR has 7M diluted shares, down 2.3% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q4 2025 | $1.3M |
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over HNVR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
HNVR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | -1.2x | Net Cash |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 3.5x | Elevated |
| Q2 2025 | 4.5x | High |
| Q1 2025 | 5.4x | High |
| Q4 2024 | 4.2x | High |
HNVR's net debt is less than a year of its operating earnings (EBITDA), down from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HNVR.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM has the edge over HNVR on leverage, with a lower net debt burden relative to earnings.
HNVR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.8 | Neutral |
| Stochastic | 21.6 | Neutral |
HNVR's weekly RSI is 36 (neutral) and its Stochastic is 22 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
HNVR PE vs Financial Services Sector
| Metric | HNVR | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 78 | 60 | 18 pts above |
HNVR is trading at 16x earnings, a 22% premium to the Financial Services sector's median of 13x.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over HNVR on valuation relative to its sector.
HNVR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.0 | 7.4% below |
| 20 week MA | $25.2 | 12% below |
| 50 week MA | $23.7 | 6.3% below |
| 100 week MA | $23.1 | 3.8% below |
| 200 week MA | $20.6 | 8% above |
HNVR has fallen below most of its moving averages, though it's still 8% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM has the edge over HNVR on trend strength, trading above more of its moving averages.
HNVR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $21.5 | $19.9 | -7.8% |
| 2023 | $19.9 | $17.6 | -11% |
| 2024 | $17.6 | $22.4 | +27% |
| 2025 | $22.4 | $23.4 | +4.7% |
| 2026 YTD | $23.4 | $22.2 | -5% |
HNVR has finished lower in two of the last four years. It's down 5% so far in 2026.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has the edge over HNVR on returns for 2026, with the stronger performance.