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Andover Bancorp, Inc. ANDC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score
57/100
2/5 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Andover Bancorp, Inc. (ANDC) is a Banks - Regional company in the Financial Services sector, currently trading at $20.00. It has a SharesGrow Score of 54/100, indicating a mixed investment profile with 2 out of 7 criteria passed.

Financials: revenue is $26M, +12.2%/yr average growth. Net income is $4M, growing at -0.1%/yr. Net profit margin is 16.7% (healthy). Gross margin is 76.3% (-17.7 pp trend).

Balance sheet: total debt is $10M against $28M equity (Debt-to-Equity (D/E) ratio 0.35, conservative). Current ratio is 0.05 (tight liquidity). Debt-to-assets is 1.7%. Total assets: $587M.

SharesGrow 7-Criteria breakdown: Value ?/100 (Fail), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

ANDC SharesGrow Score Overview

57/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 0/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 35/100
Gross margin is + market cap
FUTURE 0/100
Analyst outlook — as buy
INCOME 70/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — ANDC

—
VALUE N/A
N/A
No analyst coverage available for this stock.
~
GROWTH Partial
48/100
ANDC: +12.2%/yr revenue is, -0.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✓
PAST Pass
100/100
ANDC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
✗
HEALTH Fail
33/100
Balance sheet ANDC: Debt-to-Equity (D/E) ratio 0.35 (conservative), Current ratio is 0.05 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
✗
MOAT Fail
35/100
ANDC: Gross margin is 76.3% (-17.7 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.
View details →
—
FUTURE N/A
N/A
No analyst coverage available for this stock.
✓
INCOME Pass
70/100
ANDC: Net profit margin is 16.7%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range18.1-20
Volume300
Avg Volume (30D)701
Market Cap$40.71M
Beta (1Y)-0.09
Dividend Yield$0.7600
Share Statistics
IPO Date2018-02-07
Employees98
CEOStephen E. Varckette
Financial Highlights & Ratios
Revenue (TTM)$26.26M
Gross Profit$20.04M
EBITDA$5.06M
Net Income$4.38M
Operating Income$4.41M
Total Cash$28.16M
Total Debt$9.96M
Net Debt$-18.21M
Total Assets$587.06M
Price / Sales (P/S)1.55
Analyst Forecast
Company Info
CountryUS
ExchangeOther OTC
CurrencyUSD
ISINUS0342631035

Price Chart

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ANDC
Andover Bancorp, Inc. ↗  ·  Other OTC
Financial Services • Banks - Regional
18.10 52WK RANGE 20.00

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