Head to Head Survey: Hanover Bancorp (NASDAQ:HNVR) versus Town and Country Financial (OTCMKTS:TWCF)

Hanover Bancorp (NASDAQ:HNVR) and Town and Country Financial (OTCMKTS:TWCF) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, analyst recommendations, risk, dividends and valuation.

Insider & Institutional Ownership

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

Profitability

This table compares Hanover Bancorp and Town and Country Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hanover Bancorp	5.22%	5.18%	0.44%
Town and Country Financial	N/A	N/A	N/A

Valuation & Earnings

This table compares Hanover Bancorp and Town and Country Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hanover Bancorp	$143.32 million	1.17	$7.49 million	$1.00	23.36
Town and Country Financial	N/A	N/A	N/A	N/A	N/A

Hanover Bancorp has higher revenue and earnings than Town and Country Financial.

Analyst Ratings

This is a summary of current ratings and target prices for Hanover Bancorp and Town and Country Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hanover Bancorp	1	2	2	0	2.20
Town and Country Financial	0	0	0	0	0.00

Hanover Bancorp presently has a consensus target price of $24.33, suggesting a potential upside of 4.17%. Given Hanover Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Hanover Bancorp is more favorable than Town and Country Financial.

Summary

Hanover Bancorp beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

About Hanover Bancorp

Hanover Bancorp, Inc., a bank holding company for Hanover Community Bank, provides personal and business lending and deposit services to businesses, municipalities, and individuals in the New York metro area. The company offers checking, credit cards, debit cards, money market, savings, government and municipal banking, and professional services, as well as time deposits, including certificate of deposit and individual retirement accounts. It also provides business loans, commercial real estate financing, small business administration, lending directory services, and residential mortgage. In addition, the company offers cash management, online and mobile banking, merchant services, and digital solutions. Its banking offices are located in Nassau, Suffolk, Queens, Kings, New York Counties, New York, Monmouth County, Freehold, and New Jersey. The company was founded in 2008 and is headquartered in Mineola, New York.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.