Andover Bancorp, Inc. (ANDC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 17 | 18 | 18 | 15 | 12 | 20 | 15 | - |
| Operating profit | $m | 4 | 4 | ||||||
| Net profit | $m | 4 | 5 | 5 | 4 | 3 | 4 | 3 | - |
| EPS reported | $ | 2.17 | 1.63 | ||||||
| Operating cashflow per share | $ | 2.79 | 2.79 | ||||||
| Capex per share | $ | 0.20 | 0.20 | ||||||
| FCF per share | $ | 2.59 | 2.59 | ||||||
| Free cash flow | $m | 5 | 0 | ||||||
| Net debt | $m | -18 | -15 | ||||||
| Book value equity | $m | 28 | 29 | ||||||
| Book value per share | $ | 14.13 | 14.90 | ||||||
| Number of shares | m | 2.01 | 1.98 | ||||||
| DPS (TTM paid) | $ | 0.76 | 0.76 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.55 | - | ||||||
| P/B LTM | x | 1.31 | 1.27 | ||||||
| P/S LTM | x | 1.86 | 2.42 | ||||||
| P/FCF LTM | x | 7.17 | 7.70 | ||||||
| EV/EBITDA LTM | x | 3.78 | 8.78 | ||||||
| EV/Sales LTM | x | 0.73 | 0.83 | ||||||
| Earnings Yield LTM | % | +11.70% | +10.80% | ||||||
| FCF Yield | % | +13.94% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +15.39% | +18.98% | ||||||
| ROIC | % | +10.43% | +10.43% | ||||||
| Operating margin | % | +16.80% | +16.80% | ||||||
| Gross margin | % | +76.33% | +76.33% | ||||||
| FCF/Sales | % | +19.83% | +19.83% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +41.83% | +6.54% | ||||||
| Sales Growth YoY | % | +64.32% | +26.45% | ||||||
| Net Income Growth YoY | % | +38.68% | +2.08% | ||||||
| FCF Growth | % | -4.72% | -100.00% | ||||||
| Operating Profit Growth | % | +36.15% | +28.50% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.09% | +3.78% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +34.97% | +34.91% | ||||||
| FCF/Debt | x | 0.52 | 0.00 | ||||||
| Net Debt/EBITDA | x | -3.60 | -3.60 | ||||||
| EBIT/Net interest | x | 0.71 | 0.71 | ||||||
| Net debt/market cap | % | +26.65% | +24.84% | ||||||
| Net debt/Equity | x | -0.64 | -0.52 | ||||||
| Gross debt/equity | x | 0.35 | 0.34 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Andover Bancorp, Inc. functions as the holding company for Andover Bank, delivering a comprehensive suite of banking solutions to both individual and commercial clients. The institution offers diverse deposit products, such as checking and savings accounts, individual retirement accounts, and certificates of deposit. Its lending portfolio is extensive, encompassing mortgages, construction financing, home equity lines, vehicle and personal loans, alongside various business credit facilities like term loans, commercial real estate financing, Small Business Administration loans, and working capital lines. Specialized funding for investment properties, land development, corporate acquisitions, and partnership buyouts is also available, complemented by equipment, municipal, and non-profit sector financing. Beyond core lending and deposit services, Andover Bank provides essential financial tools including debit and credit cards, overdraft protection, remote check deposit, automated account transfers and payments, and comprehensive cash management services. Other offerings include lockboxes, safe deposit boxes, night deposit services, merchant card processing, and both ACH and wire transfer capabilities. Customers benefit from convenient access via telephone, mobile, and online banking platforms. Furthermore, the company extends its services to include investment opportunities and insurance products. Established in 1884 and headquartered in Andover, Ohio, the bank maintains a local presence through its network of ten branches located in Andover, Ohio, and surrounding vicinities.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Andover Bancorp, Inc. (ANDC)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Andover Bancorp, Inc. functions as the holding company for Andover Bank, delivering a comprehensive suite of banking solutions to both individual and commercial clients. The institution offers diverse deposit products, such as checking and savings accounts, individual retirement accounts, and certificates of deposit. Its lending portfolio is extensive, encompassing mortgages, construction financing, home equity lines, vehicle and personal loans, alongside various business credit facilities like term loans, commercial real estate financing, Small Business Administration loans, and working capital lines. Specialized funding for investment properties, land development, corporate acquisitions, and partnership buyouts is also available, complemented by equipment, municipal, and non-profit sector financing. Beyond core lending and deposit services, Andover Bank provides essential financial tools including debit and credit cards, overdraft protection, remote check deposit, automated account transfers and payments, and comprehensive cash management services. Other offerings include lockboxes, safe deposit boxes, night deposit services, merchant card processing, and both ACH and wire transfer capabilities. Customers benefit from convenient access via telephone, mobile, and online banking platforms. Furthermore, the company extends its services to include investment opportunities and insurance products. Established in 1884 and headquartered in Andover, Ohio, the bank maintains a local presence through its network of ten branches located in Andover, Ohio, and surrounding vicinities.
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