Head to Head Review: Hanover Bancorp (NASDAQ:HNVR) vs. Town and Country Financial (OTCMKTS:TWCF)

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

Insider & Institutional Ownership

15.0% of Hanover Bancorp shares are owned by institutional investors. 23.9% of Hanover Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings for Town and Country Financial and Hanover Bancorp, as provided by MarketBeat.com.

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

Hanover Bancorp has a consensus target price of $24.33, indicating a potential upside of 4.57%. Given Hanover Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Hanover Bancorp is more favorable than Town and Country Financial.

Profitability

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

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

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Town and Country Financial	N/A	N/A	N/A	N/A	N/A
Hanover Bancorp	$143.32 million	1.17	$7.49 million	$1.00	23.27

Hanover Bancorp has higher revenue and earnings 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 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.

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.