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Hanover Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$14.7M in Q3 2026 · $38.0M over twelve months

Operating cash flow$15.0M
Capital spending−$275K
Free cash flow+$14.7M
Cash / net income3.4×

Analysis

In Q3 2026, Hanover Bancorp generated $15.0M of operating cash flow and spent $275K on capital projects, leaving free cash flow of $14.7M. That is $12.3M more than in Q3 2025 ($2.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $39.2M; the largest uses were other investing ($158M), buybacks ($6.1M), dividends ($3.0M); besides operations, cash came from other financing ($104M); the cash balance fell by $25.0M.

Operating cash flow was $15.0M against net income of $4.3M — 3.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$7.8M, prepaid and other assets +$1.2M, depreciation & amortization +$497K.

Free cash flow

Hanover Bancorp: free cash flow by quarterHanover Bancorp: free cash flow by quarter$6.3MQ4 2024$56KQ1 2025$1.7MQ2 2025$2.4MQ3 2025$8.0MQ4 2025−$2.7MQ1 2026$18.0MQ2 2026$14.7MQ3 2026
Operating cash flow less capital spending.
Hanover Bancorp: operating cash flow against capital spendingHanover Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$5.5M−$789KQ4 2024$284K$228KQ1 2025$1.8M$90KQ2 2025$2.7M$317KQ3 2025$8.2M$234KQ4 2025−$2.5M$184KQ1 2026$18.4M$442KQ2 2026$15.0M$275KQ3 2026
Latest (Q3 2026): Operating cash flow $15.0M, Capital spending $275K.

Where the cash came from and went

Hanover Bancorp: sources (+) and uses (−) of cash, Q3 2026Hanover Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$109MOther financing$98.1MOperating cash flow$15.0MBuybacks−$2.2MCash drawn (+) / kept (−)−$1.3MDividends−$731KCapital spending−$275KTaxes on employees’ shares−$17K
Hanover Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Hanover Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$158MOther financing$104MOperating cash flow$39.2MCash drawn (+) / kept (−)$25.0MBuybacks−$6.1MDividends−$3.0MCapital spending−$1.1MTaxes on employees’ shares−$384K

From profit to cash

Hanover Bancorp: net income to operating cash flow, Q3 2026Hanover Bancorp: net income to operating cash flow, Q3 2026Net income$4.3MDepreciation & amortization$497KStock-based pay$451KPrepaid and other assets$1.2MOther liabilities$7.8MOperating cash flow$15.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$15.0M−$275K−$2.2M−$731K−$1.3M$14.7M
Q2 2026$18.4M−$442K—−$742K$53.2M$18.0M
Q1 2026−$2.5M−$184K—−$746K$14.5M−$2.7M
Q4 2025$8.2M−$234K−$1.3M−$762K−$41.3M$8.0M
Q3 2025$2.7M−$317K—−$748K−$3.0M$2.4M
Q2 2025$1.8M−$90K—−$750K−$4.3M$1.7M
Q1 2025$284K−$228K—−$749K$2.6M$56K
Q4 2024$5.5M$789K—−$742K−$21.6M$6.3M

Hanover Bancorp: income statement and cash flow

Hanover Bancorp, Q3 2026: revenue $19.3M (+7% year over year), operating margin 30.0%. The chart follows the revenue to costs, profit and cash.

Hanover Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.