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Andover Bancorp Inc

Financial Services US ANDC

20.1USD
0.00(0%)

Last update at 2026-06-02T20:00:00Z

Day Range

22.2522.25
LowHigh

52 Week Range

18.0220.05
LowHigh

Fundamentals

  • Previous Close 20.10
  • Market Cap40.71M
  • Volume22
  • P/E Ratio9.22
  • Dividend Yield3.80%
  • Revenue TTM20.04M
  • Revenue Per Share TTM9.95
  • Gross Profit TTM 20.04M
  • Diluted EPS TTM2.17

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 4.41M 3.28M 3.92M 5.08M 5.82M
Minority interest - - - - -
Net income 4.38M 3.16M 3.78M 4.87M 5.39M
Selling general administrative 0.73M 0.58M 0.64M 2.52M 2.23M
Selling and marketing expenses 0.38M 0.36M 0.46M 0.46M 0.42M
Gross profit 20.04M 18.18M 18.21M 18.54M 17.91M
Reconciled depreciation 0.65M 0.66M 0.69M - -
Ebit 4.41M - 3.92M 5.08M 5.82M
Ebitda 5.06M - -0.25540M -0.15852M -0.15578M
Depreciation and amortization 0.65M 0.66M -4.17483M -5.23492M -5.97957M
Non operating income net other - - - - -
Operating income 4.41M 3.24M 3.92M 5.23M 5.98M
Other operating expenses 21.85M 14.94M 11.84M 13.46M 12.09M
Interest expense 6.21M 5.99M 3.64M - 0.00000M
Tax provision 0.03M 0.12M 0.14M - -
Interest income 22.37M 20.38M 18.07M - -
Net interest income 16.15M 14.40M 14.43M - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.03M 0.12M 0.14M 0.20M 0.43M
Total revenue 26.26M 18.18M 18.26M 18.54M 17.91M
Total operating expenses 15.63M 14.94M 14.29M 13.46M 12.09M
Cost of revenue 6.21M 5.99M 3.64M - -
Total other income expense net - 0.04M -2.49553M -0.15852M -0.15578M
Discontinued operations - - - - -
Net income from continuing ops 4.38M 3.16M 3.78M - -
Net income applicable to common shares - - - 4.87M 5.39M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 587.06M 565.58M 558.53M 571.20M 574.72M
Intangible assets - - - 0.05M 0.14M
Earning assets - - - - -
Other current assets - 14.99M 31.39M 2.20M 1.86M
Total liab 558.61M 547.89M 538.25M 557.51M 528.22M
Total stockholder equity 28.45M 17.69M 20.28M 13.68M 46.50M
Deferred long term liab - - - - -
Other current liab 544.27M 406.55M 390.55M - -
Common stock 0.81M 0.81M 0.81M 0.81M 0.81M
Capital stock 0.81M 0.81M - - -
Retained earnings 73.23M 70.38M 68.77M 66.84M 63.55M
Other liab - - - 2.70M 3.59M
Good will 2.65M 2.65M 2.65M 2.65M 2.65M
Other assets - 551.06M 2.09M 545.42M 545.81M
Cash 28.16M 12.83M 29.30M 15.48M 18.49M
Cash and equivalents - - - - -
Total current liabilities 545.06M 407.44M 390.55M 0.17M 0.07M
Current deferred revenue - - - - -
Net debt -18.20506M -12.82612M -19.44616M -15.47949M -18.49345M
Short term debt - - - - -
Short long term debt - - - - -
Short long term debt total 9.96M - 9.85M - -
Other stockholder equity -45.58855M -53.49908M -18.40572M -53.97129M -17.85949M
Property plant equipment - - - 7.59M 7.63M
Total current assets 28.16M 29.99M 29.30M 15.48M 18.49M
Long term investments 148.64M 146.40M - - -
Net tangible assets - - - 10.98M 43.71M
Short term investments - - - - -
Net receivables - 2.17M - - -
Long term debt - - - - -
Inventory - - - 0.00950M -
Accounts payable 0.80M 0.89M - 524.84M 504.81M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - -30.89457M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 276.03M -156.24517M 512.96M -10.29374M -10.41880M
Deferred long term asset charges - - - - -
Non current assets total 558.90M 535.59M 527.15M 10.29M 10.42M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 11.52M -28.06547M 30.40M -20.42501M -48.95041M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities 1.29M -28.06547M 30.40M -35.94772M -55.03374M
Net borrowings - 0.00000M -20.00000M 10.00M 2.50M
Total cash from financing activities 8.43M 5.86M -22.55198M 26.73M 47.52M
Change to operating activities - - - -0.24391M -0.45645M
Net income 4.38M 3.16M 3.78M 4.87M 5.39M
Change in cash 15.34M -16.47241M 13.82M -3.01396M -0.76180M
Begin period cash flow 12.83M 29.30M 15.48M 18.49M 19.26M
End period cash flow 28.16M 12.83M 29.30M 15.48M 18.49M
Total cash from operating activities 5.62M 5.73M 5.97M 6.21M 6.75M
Issuance of capital stock -0.25479M -0.25861M -0.28395M - -
Depreciation 0.65M 0.66M 0.69M 0.72M 0.80M
Other cashflows from investing activities -9.81595M 3.19M 30.94M -0.05330M -0.05330M
Dividends paid 1.53M 1.56M 1.58M -1.58530M -1.68220M
Change to inventory - - - - -
Change to account receivables 0.03M -0.07823M 0.11M -0.33852M -0.08180M
Sale purchase of stock -0.82864M -0.95560M -0.72198M -1.72071M -2.57658M
Other cashflows from financing activities 11.04M 8.64M -0.25216M 40.03M 59.28M
Change to netincome - - - 1.14M 1.09M
Capital expenditures 0.41M 0.26M 0.54M 0.60M 0.40M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -0.40007M 1.03M 0.84M -0.33852M -0.08180M
Stock based compensation 0.54M 0.53M 0.49M 0.45M 0.43M
Other non cash items 0.45M 0.35M 0.17M 0.50M 0.21M
Free cash flow 5.21M 5.47M 5.43M 5.61M 6.35M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ANDC
Andover Bancorp Inc		 - -% 20.10 9.22 - 2.03 1.40 2.48
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

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Profile

Andover Bancorp, Inc. operates as the bank holding company for Andover Bank that provides commercial and retail banking products and services. The company offers savings and checking accounts, individual retirement accounts, and certificates of deposit. It also provides mortgage, construction, home equity, vehicle, student, and personal loans; term, commercial real estate, working capital lines of credit, equipment financing, investment property, land development, acquisitions, and partnership buyouts, as well as municipal and non-profit financing services; and debit and credit cards. In addition, the company provides overdraft protection, remote deposit capture, automatic account transfer and payments, cash management, lock box and safe deposit boxes, lock bags and night deposit, and ACH and wire services; mobile and online banking services; and investment and insurance products. The company was founded in 1884 and is headquartered in Andover, Ohio.

Andover Bancorp Inc

600 East Main Street, Andover, OH, United States, 44003

Key Executives

Name Title Year Born
Mr. Stephen E. Varckette Pres, CEO & Director NA
Mr. Edward B. Debevec VP, Treasurer & CFO 1959
Ms. Kimberly A. Giddings Sr. VP of Operations NA
Mr. Richard B. Kotila VP, Gen. Counsel & Sec. NA
Ms. Nancy C. Cook Sr. VP of HR NA
Mr. Craig A. Cumberworth Sr. VP of Retail Banking NA
Mr. Daniel J. Weber Sr. VP of Credit Admin. & Retail Lending NA
Sean C. Dockery Sr. VP of Commercial Banking & Sr. Lending Officer NA
Mr. Stephen E. Varckette President, CEO & Director NA
Mr. Edward B. Debevec Senior VP, Treasurer & CFO 1959

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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