Fifth District Bancorp (NASDAQ:FDSB) vs. Hanover Bancorp (NASDAQ:HNVR) Head to Head Contrast

Hanover Bancorp (NASDAQ:HNVR) and Fifth District Bancorp (NASDAQ:FDSB) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, earnings, dividends, valuation and profitability.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Hanover Bancorp	7.33%	6.44%	0.54%
Fifth District Bancorp	6.97%	1.27%	0.31%

Analyst Recommendations

This is a breakdown of current ratings for Hanover Bancorp and Fifth District Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hanover Bancorp	0	2	2	0	2.50
Fifth District Bancorp	0	1	0	0	2.00

Hanover Bancorp presently has a consensus target price of $28.50, suggesting a potential upside of 29.60%. Given Hanover Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Hanover Bancorp is more favorable than Fifth District Bancorp.

Institutional and Insider Ownership

15.0% of Hanover Bancorp shares are owned by institutional investors. 24.4% of Hanover Bancorp shares are owned by insiders. Comparatively, 8.6% of Fifth District Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk and Volatility

Hanover Bancorp has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500. Comparatively, Fifth District Bancorp has a beta of 0.24, meaning that its share price is 76% less volatile than the S&P 500.

Earnings & Valuation

This table compares Hanover Bancorp and Fifth District Bancorp”s top-line 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	1.08	$7.49 million	$1.40	15.71
Fifth District Bancorp	$14.95 million	6.20	$4.09 million	$0.34	52.04

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

Summary

Hanover Bancorp beats Fifth District Bancorp on 11 of the 14 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 Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.