What is Andover Bancorp, Inc. (ANDC) stock price today?

Andover Bancorp, Inc. (ANDC) is currently trading at $21.00, up 0% today.

What is ANDC P/E ratio?

Andover Bancorp, Inc.'s P/E ratio is 9.68. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is ANDC return on equity (ROE)?

Andover Bancorp, Inc.'s return on equity (ROE) is 18.98%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Andover Bancorp, Inc.'s market cap?

Andover Bancorp, Inc. has a market capitalization of $41.84M.

OTC · Banks - Regional

Andover Bancorp, Inc. (ANDC) Stock

$21.00 +0.00% OTC: ANDC Financial Services

Andover Bancorp, Inc. functions as the holding company for Andover Bank, delivering a comprehensive suite of banking solutions to both individual and commercial clients.

Valuation

Metric	Value
Price	$21.00
Market Cap	$41.84M
P/E Ratio	9.68
P/B Ratio	1.49
P/S Ratio	1.59
EPS (TTM)	$2.17
52-Week High	$21.00
52-Week Low	$18.10
Dividend Yield	3.62%

Financials & Margins

Metric	Value
ROE	18.98%
ROA	0.75%
ROCE	10.50%
Gross Margin	76.33%
Operating Margin	16.80%
Net Margin	16.68%
Debt/Equity	0.35
Current Ratio	0.05

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$19.0M	$20.0M	$18.0M	$18.0M	$26.0M
Operating Profit	$6.0M	$5.0M	$4.0M	$3.0M	$4.0M
Net Profit	$5.0M	$5.0M	$4.0M	$3.0M	$4.0M
EPS	$2.42	$2.29	$1.80	$1.53	$2.17
Op Margin	31.0%	25.7%	21.5%	17.8%	16.8%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$575.0M	$572.0M	$559.0M	$566.0M	$587.0M
Total Liabilities	$529.0M	$558.0M	$538.0M	$548.0M	$559.0M
Cash	$18.0M	$15.0M	$29.0M	$13.0M	$28.0M
Borrowings	$20.0M	$30.0M	$10.0M	$10.0M	$10.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$7.0M	$6.0M	$6.0M	$6.0M	$6.0M
Investing Cash Flow	$-55.0M	$-37.0M	$30.0M	$-28.0M	$1.0M
Financing Cash Flow	$47.0M	$18.0M	$-1.0M	$8.0M	$10.0M
Net Cash Flow	$-1.0M	$-3.0M	$14.0M	$-16.0M	$15.0M
Free Cash Flow	$6.0M	$6.0M	$5.0M	$5.0M	$5.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.10
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

Ownership

Insiders Held0.00%

Institutions Held0.14%

Institutions Float Held0.14%

Institutional Holder	Shares	Report Date
Vigilant Capital Management, Llc	4,625	2023-06-30

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
ALBYCommunity Capital Bancshares, Inc.	$32.33	+1.06%	8.40	$41.14M	6.34%
CIZNCitizens Holding Company	$10.50	+2.04%	7.24	$59.05M	0.76%
EXCHExchange Bankshares, Inc.	$69.00	+2.22%	0.00	$40.62M	2.55%
FMFPFirst Community Financial Corporation	$14.00	+0.00%	20.65	$39.61M	1.71%
HCBNHCB Financial Corp.	$73.11	+0.00%	12.76	$73.11M	1.91%

About Andover Bancorp, Inc.

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.

Andover Bancorp, Inc. is headquartered in US.

Andover Bancorp, Inc. (ANDC) stock trades at $21.00 with a market capitalization of $41.84M. The stock is valued at a price-to-earnings (P/E) ratio of 9.68, price-to-book of 1.49, price-to-sales of 1.59. Over the past 52 weeks the stock has ranged between $18.10 and $21.00, and currently trades at its 52-week high. It pays a dividend yielding 3.62%.

On profitability, Andover Bancorp, Inc. generates a return on equity (ROE) of 18.98%, above the typical market average, return on capital employed of 10.50%, an operating margin of 16.80%, a net profit margin of 16.68%.

Official website: www.andover.bank/Andover-Bancorp-Inc