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ANDC

Andover Bancorp, Inc.

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Price alert · ANDC

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19.75 USD 0.00 0.00%
As of Oct 30, 2026
19.75 Day range 19.75
18.10 52-week range 21.00
YTD
+6.47%
1 year
+6.76%
Open
19.75
Prev close
19.75
Mkt cap
39.35M
Vol
100
Avg vol
418
EPS
2.17
P/E
9.10
More statistics
Low
19.75
High
19.75

5D chart

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 8.5×
FY 2016: 14.9×FY 2017: 16.0×FY 2018: 15.0×FY 2019: 12.5×FY 2020: 10.0×FY 2021: 7.9×FY 2022: 8.6×FY 2023: 10.8×FY 2024: 13.1×FY 2025: 8.5×
FY 2016 5y median 8.6× FY 2025
P/S 1.4×
FY 2016: 3.5×FY 2017: 4.0×FY 2018: 3.4×FY 2019: 2.7×FY 2020: 2.4×FY 2021: 2.2×FY 2022: 2.1×FY 2023: 2.2×FY 2024: 2.3×FY 2025: 1.4×
FY 2016 5y median 2.2× FY 2025
P/B 1.3×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.5×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 3.1×FY 2023: 2.0×FY 2024: 2.3×FY 2025: 1.3×
FY 2016 5y median 2.0× FY 2025
P/FCF 7.2×
FY 2016: 0.0×FY 2017: 14.4×FY 2018: 11.1×FY 2019: 12.9×FY 2020: 5.3×FY 2021: 6.8×FY 2022: 7.5×FY 2023: 7.5×FY 2024: 7.5×FY 2025: 7.2×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 3.8×
FY 2016: 6.1×FY 2017: 4.1×FY 2018: 15.5×FY 2019: 10.7×FY 2020: 7.5×FY 2021: 6.6×FY 2022: 9.7×FY 2023: 4.6×FY 2024: 9.7×FY 2025: 3.8×
FY 2016 5y median 6.6× FY 2025
EV/Sales 0.7×
FY 2016: 5.3×FY 2017: 3.8×FY 2018: 4.6×FY 2019: 3.0×FY 2020: 2.3×FY 2021: 2.3×FY 2022: 2.9×FY 2023: 1.2×FY 2024: 2.1×FY 2025: 0.7×
FY 2016 5y median 2.1× FY 2025
FCF Yield 13.9%
FY 2016: 0.0%FY 2017: 7.0%FY 2018: 9.0%FY 2019: 7.7%FY 2020: 19.0%FY 2021: 14.7%FY 2022: 13.3%FY 2023: 13.4%FY 2024: 13.3%FY 2025: 13.9%
FY 2016 5y median 13.4% FY 2025

Profitability

Gross Margin 76.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 91.3%FY 2019: 87.2%FY 2020: 90.2%FY 2021: 95.2%FY 2022: 93.5%FY 2023: 99.7%FY 2024: 100.0%FY 2025: 76.3%
FY 2016 5y median 95.2% FY 2025
Operating Margin 16.8%
FY 2016: 28.9%FY 2017: 26.9%FY 2018: 25.2%FY 2019: 23.7%FY 2020: 40.6%FY 2021: 31.0%FY 2022: 25.7%FY 2023: 21.5%FY 2024: 17.8%FY 2025: 16.8%
FY 2016 5y median 21.5% FY 2025
Net Margin 16.7%
FY 2016: 23.6%FY 2017: 24.6%FY 2018: 22.6%FY 2019: 21.3%FY 2020: 24.2%FY 2021: 28.7%FY 2022: 24.7%FY 2023: 20.7%FY 2024: 17.4%FY 2025: 16.7%
FY 2016 5y median 20.7% FY 2025
ROE 15.4%
FY 2016: 9.2%FY 2017: 9.5%FY 2018: 10.0%FY 2019: 8.7%FY 2020: 8.7%FY 2021: 11.6%FY 2022: 35.6%FY 2023: 18.6%FY 2024: 17.8%FY 2025: 15.4%
FY 2016 5y median 17.8% FY 2025
ROIC 10.4%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.7%FY 2019: 2.0%FY 2020: 2.9%FY 2021: 2.2%FY 2022: 2.1%FY 2023: 2.3%FY 2024: 2.0%FY 2025: 10.4%
FY 2016 5y median 2.2% FY 2025
ROA 0.7%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.0%FY 2019: 0.9%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.7%FY 2024: 0.6%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 44.4%
FY 2016: 10.2%FY 2017: -2.0%FY 2018: 8.4%FY 2019: 3.5%FY 2020: 0.5%FY 2021: 7.0%FY 2022: 4.9%FY 2023: -7.5%FY 2024: -0.4%FY 2025: 44.4%
FY 2016 FY 2025
Operating Income 36.2%
FY 2016: 24.0%FY 2017: -8.6%FY 2018: 1.7%FY 2019: -2.7%FY 2020: 72.1%FY 2021: -18.5%FY 2022: -12.8%FY 2023: -22.8%FY 2024: -17.3%FY 2025: 36.2%
FY 2016 FY 2025
EPS (diluted) 41.8%
FY 2016: 13.5%FY 2017: 3.3%FY 2018: 0.6%FY 2019: -0.6%FY 2020: 18.6%FY 2021: 30.8%FY 2022: -5.4%FY 2023: -21.4%FY 2024: -15.0%FY 2025: 41.8%
FY 2016 FY 2025
Free Cash Flow -4.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 20.2%FY 2019: -30.1%FY 2020: 124.6%FY 2021: -23.5%FY 2022: -9.6%FY 2023: -3.1%FY 2024: 0.6%FY 2025: -4.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 49.3×FY 2017: 97.4×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 49.3×FY 2017: 97.4×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 0.9×FY 2017: 0.1×FY 2018: 0.7×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 2.2×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -3.6×
FY 2016: 2.0×FY 2017: -0.2×FY 2018: 4.1×FY 2019: 1.1×FY 2020: -0.3×FY 2021: 0.2×FY 2022: 2.5×FY 2023: -4.2×FY 2024: -0.7×FY 2025: -3.6×
FY 2016 5y median -0.7× FY 2025
Interest Coverage 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 13.4×FY 2020: 17.1×FY 2021: 6.5×FY 2022: 3.9×FY 2023: 1.1×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 3.1%FY 2017: 2.9%FY 2018: 3.1%FY 2019: 3.7%FY 2020: 3.9%FY 2021: 4.0%FY 2022: 3.8%FY 2023: 3.9%FY 2024: 3.8%FY 2025: 4.1%
FY 2016 5y median 3.9% FY 2025
Payout Ratio 34.9%
FY 2016: 46.7%FY 2017: 45.8%FY 2018: 45.9%FY 2019: 46.7%FY 2020: 39.5%FY 2021: 31.2%FY 2022: 32.5%FY 2023: 41.8%FY 2024: 49.3%FY 2025: 34.9%
FY 2016 5y median 34.9% FY 2025

Annual · latest fiscal year ends 2025-12-31