Financial Comparison: Grupo Supervielle (NYSE:SUPV) versus Hanover Bancorp (NASDAQ:HNVR)

Hanover Bancorp (NASDAQ:HNVR) and Grupo Supervielle (NYSE:SUPV) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, earnings, analyst recommendations, institutional ownership, profitability, valuation and dividends.

Valuation and Earnings

This table compares Hanover Bancorp and Grupo Supervielle”s 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	1.24	$7.49 million	$1.27	19.83
Grupo Supervielle	$1.65 billion	0.37	-$38.87 million	($0.63)	-11.21

Hanover Bancorp has higher earnings, but lower revenue than Grupo Supervielle. Grupo Supervielle is trading at a lower price-to-earnings ratio than Hanover Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

15.0% of Hanover Bancorp shares are held by institutional investors. 24.4% of Hanover Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Hanover Bancorp and Grupo Supervielle’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hanover Bancorp	6.71%	6.00%	0.50%
Grupo Supervielle	-3.60%	-2.67%	-0.35%

Analyst Ratings

This is a summary of current ratings and target prices for Hanover Bancorp and Grupo Supervielle, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hanover Bancorp	0	2	2	0	2.50
Grupo Supervielle	1	4	2	0	2.14

Hanover Bancorp presently has a consensus target price of $28.50, suggesting a potential upside of 13.14%. Grupo Supervielle has a consensus target price of $13.17, suggesting a potential upside of 86.50%. Given Grupo Supervielle’s higher probable upside, analysts plainly believe Grupo Supervielle is more favorable than Hanover Bancorp.

Volatility and Risk

Hanover Bancorp has a beta of 0.1, suggesting that its stock price is 90% less volatile than the S&P 500. Comparatively, Grupo Supervielle has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500.

Summary

Hanover Bancorp beats Grupo Supervielle on 10 of the 13 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 Grupo Supervielle

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal & Business Banking, Corporate Banking, Bank Treasury, Consumer Finance, Insurance, and Asset Management and Other Services segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit and debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising life, home, personal accidents, technology, ATMs, protected bag, and protected content; and asset management and other services, as well as operates as a digital online broker. It operates through a network of bank branches, ATMs, and self-service terminals, as well as ATMs with biometric identification. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is based in Buenos Aires, Argentina.