Is Andover Bancorp, Inc. (ANDC) a Buy, Sell, or Hold?
OTC : ANDC
Andover Bancorp, Inc. — Financials
$20.06 USD
$0 (0.0%)
- Volume
- 10
- Average Volume
- 562
- Market Capitalization
- $39.96M
- P/E Ratio
- 9.24
- Dividend Yield
- 3.79%
- Price Target
- Year High
- $21.00
- Year Low
- $18.10
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.35
- Current Ratio
- $0.05
ANDC Financial Statements
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 26.26M | 18.18M | 18.26M | 19.73M | 18.81M | 17.58M | 17.5M | 16.9M | 15.59M | 15.9M |
| costOfRevenue | 6.21M | - | 3.64M | 1.29M | 895.75K | 1.72M | 2.25M | 1.47M | - | - |
| grossProfit | 20.04M | 18.18M | 18.21M | 18.44M | 17.91M | 15.86M | 15.25M | 15.43M | 15.59M | 15.9M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 729.68K | 581.52K | 635.37K | 578.73K | 495.13K | 2.19M | 2.29M | 2.08M | 1.9M | 2.01M |
| sellingAndMarketingExpenses | 380.31K | 362.48K | 462K | 459.1K | 422.21K | 421.25K | 393.66K | 376.5K | 415.66K | 7.01M |
| sellingGeneralAndAdministrativeExpenses | 1.11M | 944K | 1.1M | 1.04M | 917.34K | 8.72M | 8.73M | 8.76M | 8.88M | 9.02M |
| otherExpenses | 14.52M | 14M | 13.19M | 12.33M | 11.17M | - | -3.89M | -4.72M | - | - |
| operatingExpenses | 15.63M | 14.94M | 14.29M | 13.36M | 12.09M | 8.72M | 4.84M | 4.72M | 11.59M | 11.47M |
| costAndExpenses | 21.85M | 14.94M | 11.84M | 14.66M | 12.98M | 12.98M | 13.4M | 12.76M | 11.59M | 11.47M |
| netInterestIncome | 16.15M | 14.4M | 14.43M | 15M | 14.51M | - | - | - | - | - |
| interestIncome | 22.37M | 20.38M | 18.07M | 16.29M | 15.41M | - | - | - | - | - |
| interestExpense | 6.21M | 5.99M | 3.64M | 1.29M | 895.75K | 418.69K | 309.69K | - | - | - |
| depreciationAndAmortization | 651.66K | 657.98K | 693.04K | 722.64K | 800.5K | 838.07K | 756.87K | 845.32K | 891.7K | - |
| ebitda | 5.06M | 3.93M | 4.61M | 5.8M | 6.62M | 5.44M | 4.86M | 4.99M | 14.31M | 13.76M |
| ebit | 4.41M | -657.98K | 3.92M | 5.08M | 5.82M | 4.6M | 4.1M | 10.94M | 13.42M | 13.76M |
| nonOperatingIncomeExcludingInterest | - | 3.9M | 2.5M | 158.52K | 155.78K | - | 50540 | -6.67M | -6.71M | -6.88M |
| operatingIncome | 4.41M | 3.24M | 3.92M | 5.08M | 5.82M | 7.14M | 4.15M | 4.27M | 4.2M | 4.59M |
| totalOtherIncomeExpensesNet | - | 35400 | -2.5M | - | - | -2.55M | -50540 | -122.37K | -2.71M | -2.45M |
| incomeBeforeTax | 4.41M | 3.28M | 3.92M | 5.08M | 5.82M | 4.6M | 4.1M | 4.14M | 4M | 4.43M |
| incomeTaxExpense | 32746 | 118.14K | 141.13K | 203.39K | 430.99K | 339.39K | 376.85K | 320.5K | 165.5K | 672.22K |
| netIncomeFromContinuingOperations | 4.38M | 3.16M | 3.78M | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M | 3.83M | 3.76M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - | - | - |
| netIncome | 4.38M | 3.16M | 3.78M | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M | 3.83M | 3.76M |
| netIncomeDeductions | - | - | - | - | - | - | - | - | - | - |
| bottomLineNetIncome | 4.38M | 3.16M | 3.78M | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M | 3.83M | 3.76M |
| eps | 2.17 | 1.53 | 1.8 | 2.29 | 2.42 | 1.85 | 1.56 | 1.57 | 1.56 | 1.51 |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 28.16M | 12.83M | 29.3M | 15.48M | 18.49M | 19.26M | 9.48M | 5.82M | 7.99M | 7.59M |
| shortTermInvestments | - | - | - | - | - | - | - | - | - | - |
| cashAndShortTermInvestments | 28.16M | 12.83M | 29.3M | 15.48M | 18.49M | 19.26M | 9.48M | 5.82M | 7.99M | 7.59M |
| netReceivables | 2.14M | 2.17M | 2.09M | 2.2M | 1.86M | - | - | - | - | - |
| accountsReceivables | - | 2.17M | 2.09M | 2.2M | 1.86M | - | - | - | - | - |
| otherReceivables | 2.14M | - | - | - | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - | - | - |
| otherCurrentAssets | -2.14M | 14.99M | -2.09M | 9500 | 20.35M | 1.78M | 4.87M | 10.71M | - | - |
| totalCurrentAssets | 28.16M | 29.99M | 29.3M | 17.69M | 20.35M | 21.03M | 14.35M | 10.71M | 7.99M | 7.59M |
| propertyPlantEquipmentNet | 7M | 7.19M | 7.53M | 7.59M | 7.63M | 7.93M | 8.32M | 8.57M | 9.22M | 9.86M |
| goodwill | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M |
| intangibleAssets | - | - | - | 45794 | 137.38K | 228.97K | 320.55K | 412.14K | 503.73K | 595.31K |
| goodwillAndIntangibleAssets | 2.65M | 2.65M | 2.65M | 2.7M | 2.79M | 2.88M | 2.97M | 3.07M | 3.16M | 3.25M |
| longTermInvestments | 273.21M | 146.4M | 4M | 4.31M | 1.98M | 2.07M | 1.89M | 1.99M | - | - |
| taxAssets | - | 8.97M | - | 9.21M | 443.85K | 472.78K | 526.85K | 1.56M | - | - |
| otherNonCurrentAssets | 276.03M | 370.38M | 512.96M | 530.39M | 541.97M | 492.83M | 399.19M | 371.07M | 391.18M | 379.1M |
| totalNonCurrentAssets | 558.9M | 535.59M | 527.15M | 554.21M | 554.82M | 506.19M | 412.9M | 386.25M | 403.55M | 392.21M |
| otherAssets | - | - | 2.09M | - | - | - | - | - | - | - |
| totalAssets | 587.06M | 565.58M | 558.53M | 571.89M | 575.17M | 527.22M | 427.26M | 396.96M | 411.54M | 399.8M |
| totalPayables | 798.12K | 888.4K | 562.64K | 166.53K | 73670 | - | - | - | - | - |
| accountPayables | 798.12K | 888.4K | 562.64K | 166.53K | 73670 | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | 562.64K | 166.53K | 73670 | 181.59K | 238.74K | 131.93K | 82028 | 154.16K |
| shortTermDebt | - | - | - | - | 10M | 7.5M | - | 5M | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 544.27M | 406.55M | 389.43M | 344.9M | 326.02M | 300.29M | 242.05M | 170.21M | -82028 | -154.16K |
| totalCurrentLiabilities | 545.06M | 407.44M | 390.55M | 345.23M | 336.17M | 307.97M | 242.28M | 175.34M | 82028 | 154.16K |
| longTermDebt | 9.96M | 9.9M | 9.85M | 29.8M | 9.75M | 10M | 15M | 21.22M | 5M | 35.46M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | 134.6M | 179.61M | 178.64M | - | 122.84M | 156.5M | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | 513.6K | 696.3K | 1.15M | - | 1.13M | 968.3K | - | - |
| otherNonCurrentLiabilities | 3.59M | 537.98M | 527.89M | 2.7M | 2.96M | 467.94M | - | 161.17M | 366.38M | 323.7M |
| totalNonCurrentLiabilities | 13.54M | 547.89M | 537.74M | 212.98M | 192.5M | 477.94M | 142.37M | 183.35M | 371.3M | 359M |
| otherLiabilities | - | 140.92M | -390.04M | - | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - | - | - | - |
| totalLiabilities | 558.61M | 547.89M | 538.25M | 558.21M | 528.67M | 478.42M | 384.65M | 358.69M | 371.38M | 359.15M |
| treasuryStock | -21.79M | -20.96M | -20M | -19.56M | -18.61M | -16.17M | -14.89M | -13.77M | -12.87M | -11.77M |
| preferredStock | - | - | - | - | - | - | - | - | - | - |
| commonStock | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K | 814.24K |
| retainedEarnings | 73.23M | 70.38M | 68.77M | 66.84M | 63.55M | 59.79M | 57.21M | 55.23M | 53.16M | 51.01M |
| additionalPaidInCapital | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| netIncome | 4.38M | 3.16M | 3.78M | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M | 3.83M | 3.76M |
| depreciationAndAmortization | 651.66K | 657.98K | 693.04K | 722.64K | 800.5K | 875.25K | 756.87K | 845.32K | 891.7K | - |
| deferredIncomeTax | - | - | - | 44498 | -347.42K | - | -369.35K | -449.96K | -336.02K | - |
| stockBasedCompensation | 535.54K | 533.26K | 488.1K | 449.4K | 429.22K | 438.58K | 423.82K | 457.89K | 468.41K | - |
| changeInWorkingCapital | -400.07K | 1.03M | 843.57K | -582.43K | -538.25K | -102.67K | -787.56K | 1.06M | 1.31M | - |
| accountsReceivables | 27126 | -78233 | 107.02K | -338.52K | -81804 | -311.38K | -54465 | -7932 | -132.4K | - |
| inventory | - | - | - | - | - | - | - | - | - | - |
| accountsPayables | - | - | - | - | - | - | - | - | - | - |
| otherWorkingCapital | -427.2K | 1.11M | 736.55K | -243.91K | -456.45K | 208.71K | -733.1K | 1.07M | 1.44M | - |
| otherNonCashItems | 453.21K | 351.17K | 167.31K | 698.9K | 1.01M | 3M | 350.86K | 1.47M | -1.92M | -3.76M |
| netCashProvidedByOperatingActivities | 5.62M | 5.73M | 5.97M | 6.21M | 6.75M | 8.47M | 4.1M | 5.51M | 4.59M | - |
| investmentsInPropertyPlantAndEquipment | -410.94K | -261.96K | -535.35K | -597.58K | -403.46K | -356.92K | -486.81K | -345.96K | -292.87K | - |
| acquisitionsNet | - | - | - | 8100 | 48.86M | 57.22M | 101.2K | 256.69K | - | - |
| purchasesOfInvestments | -13.61M | -49.86M | - | -52.41M | -87.46M | -132.51M | -51.06M | -12.33M | - | - |
| salesMaturitiesOfInvestments | 25.13M | 18.87M | - | 32.03M | 38.6M | 75.29M | 43.74M | 26.74M | - | - |
| otherInvestingActivities | -9.82M | 3.19M | 30.94M | -14.97M | -54.63M | -91.42M | -17M | 9.25M | -7.45M | - |
| netCashProvidedByInvestingActivities | 1.29M | -28.07M | 30.4M | -35.95M | -55.03M | -91.78M | -24.71M | 8.9M | -7.74M | - |
| netDebtIssuance | - | - | -20M | 10M | 2.5M | 2.5M | -11.22M | -9.78M | 545K | - |
| longTermNetDebtIssuance | - | - | -20M | 10M | 2.5M | 2.5M | -11.22M | -9.78M | 545K | - |
| shortTermNetDebtIssuance | - | - | - | - | - | - | - | - | - | - |
| netStockIssuance | -1.08M | -1.21M | -721.98K | -1.72M | -2.58M | -1.46M | -1.12M | -896.99K | -1.1M | - |
| netCommonStockIssuance | -1.08M | -1.21M | -721.98K | -1.72M | -2.58M | -1.46M | -1.12M | -896.99K | -1.1M | - |
| commonStockIssuance | -254.79K | -258.61K | -283.95K | -764.97K | -143.47K | - | 27.34M | 25.9M | 21.55M | - |
| commonStockRepurchased | -828.64K | -955.6K | -721.98K | -1.72M | -2.43M | -1.29M | -1.12M | -896.99K | -1.1M | - |
| netPreferredStockIssuance | - | - | - | - | - | - | - | - | - | - |
| netDividendsPaid | -1.53M | -1.56M | -1.58M | -1.59M | -1.68M | -1.68M | -1.74M | -1.76M | -1.76M | - |
| commonDividendsPaid | -1.53M | -1.56M | -1.58M | -1.59M | -1.68M | -1.68M | -1.74M | -1.76M | -1.76M | - |
| preferredDividendsPaid | - | - | - | - | - | - | - | - | - | - |
| otherFinancingActivities | 11.04M | 8.64M | -252.16K | 20.03M | 49.28M | 90.32M | 38.28M | -4.63M | 9.83M | - |
| netCashProvidedByFinancingActivities | 8.43M | 5.86M | -22.55M | 26.73M | 47.52M | 89.67M | 24.21M | -17.07M | 7.52M | - |
| date | 2023-12-31 | 2023-06-30 | 2022-06-30 | 2021-12-31 | 2021-06-30 |
|---|---|---|---|---|---|
| revenue | 11.25M | 10.6M | 9.42M | 10.37M | 9.23M |
| costOfRevenue | - | - | - | - | - |
| grossProfit | 11.25M | 10.6M | 9.42M | 10.37M | 9.23M |
| researchAndDevelopmentExpenses | - | - | - | - | - |
| generalAndAdministrativeExpenses | - | - | - | - | - |
| sellingAndMarketingExpenses | - | - | - | - | - |
| sellingGeneralAndAdministrativeExpenses | 5.79M | - | - | - | - |
| otherExpenses | -2.89M | 2.85M | 2.46M | 3.46M | 2.18M |
| operatingExpenses | 2.89M | 2.85M | 2.46M | 3.46M | 2.18M |
| costAndExpenses | 9.39M | 8.54M | 6.84M | 7.71M | 6.07M |
| netInterestIncome | - | - | - | - | - |
| interestIncome | - | - | - | - | - |
| interestExpense | 210.32K | 388.53K | 302.42K | 181.82K | 147.95K |
| depreciationAndAmortization | 43812 | 122.08K | 86065 | 808.66K | - |
| ebitda | 1.9M | 2.18M | 2.67M | 3.47M | 3.16M |
| ebit | 1.86M | 2.06M | 2.58M | 2.66M | 3.16M |
| nonOperatingIncomeExcludingInterest | - | - | - | 4.25M | 3.88M |
| operatingIncome | 1.86M | 7.75M | 6.96M | 6.92M | 7.05M |
| totalOtherIncomeExpensesNet | - | - | - | -4.25M | -3.88M |
| incomeBeforeTax | 1.86M | 2.06M | 2.58M | 2.66M | 3.16M |
| incomeTaxExpense | 55572 | 85558 | 121.88K | 138.82K | 292.17K |
| netIncomeFromContinuingOperations | 1.8M | 1.98M | 2.46M | 2.52M | 2.87M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - |
| netIncome | 1.8M | 1.98M | 2.46M | 2.52M | 2.87M |
| netIncomeDeductions | - | - | - | - | - |
| bottomLineNetIncome | 1.8M | 1.98M | 2.46M | 2.52M | 2.87M |
| eps | 0.86 | 0.94 | 1.15 | 1.16 | 1.26 |
| date | 2023-12-31 | 2023-06-30 | 2022-06-30 | 2021-12-31 | 2021-06-30 |
|---|---|---|---|---|---|
| cashAndCashEquivalents | -26.2M | -23.14M | -19.28M | 18.49M | -17.73M |
| shortTermInvestments | - | - | - | - | - |
| cashAndShortTermInvestments | -26.2M | -23.14M | -19.28M | 18.49M | -17.73M |
| netReceivables | 2.09M | - | - | 1.86M | - |
| accountsReceivables | 2.09M | - | - | 1.86M | - |
| otherReceivables | - | - | - | - | - |
| inventory | - | - | - | - | - |
| prepaids | - | - | - | - | - |
| otherCurrentAssets | 53.41M | 23.14M | 19.28M | - | 17.73M |
| totalCurrentAssets | 29.3M | 23.14M | 19.28M | 20.35M | 17.73M |
| propertyPlantEquipmentNet | 7.53M | 7.59M | 7.82M | 7.63M | 7.76M |
| goodwill | 2.65M | - | - | 2.65M | - |
| intangibleAssets | - | - | - | 137.38K | - |
| goodwillAndIntangibleAssets | 2.65M | - | - | 2.79M | - |
| longTermInvestments | 4M | 273.26M | 533.98M | 1.98M | 255.91M |
| taxAssets | 7.95M | - | - | 443.85K | - |
| otherNonCurrentAssets | 505.01M | 528.56M | 555.64M | 541.97M | 541.44M |
| totalNonCurrentAssets | 527.15M | 536.15M | 563.47M | 554.82M | 549.2M |
| otherAssets | 2.09M | - | - | - | - |
| totalAssets | 558.53M | 559.3M | 582.75M | 575.17M | 566.93M |
| totalPayables | 562.64K | - | - | 73670 | - |
| accountPayables | 562.64K | - | - | 73670 | - |
| otherPayables | - | - | - | - | - |
| accruedExpenses | 562.64K | - | - | 73670 | - |
| shortTermDebt | - | - | - | 10M | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - |
| taxPayables | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - |
| otherCurrentLiabilities | 388.86M | 296.06M | 318.52M | 326.02M | 280.4M |
| totalCurrentLiabilities | 389.99M | 296.06M | 318.52M | 336.17M | 280.4M |
| longTermDebt | 9.85M | 14.83M | 19.77M | 9.75M | 12.5M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - |
| deferredRevenueNonCurrent | 134.6M | - | - | 178.64M | - |
| deferredTaxLiabilitiesNonCurrent | 513.6K | - | - | 1.15M | - |
| otherNonCurrentLiabilities | 3.3M | 232.99M | 224.83M | 2.96M | 225.15M |
| totalNonCurrentLiabilities | 148.26M | 247.81M | 244.6M | 192.5M | 237.65M |
| otherLiabilities | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - |
| totalLiabilities | 538.25M | 543.87M | 563.12M | 528.67M | 518.05M |
| treasuryStock | -20M | -19.7M | -19.05M | -18.61M | -16.61M |
| preferredStock | - | - | - | - | - |
| commonStock | 814.24K | 2.41M | 2.41M | 814.24K | 2.41M |
| retainedEarnings | 68.77M | 67.55M | 65.22M | 63.55M | 61.82M |
| additionalPaidInCapital | 1.6M | - | - | 1.6M | - |
| date | 2023-06-30 |
|---|---|
| netIncome | 1.98M |
| depreciationAndAmortization | - |
| deferredIncomeTax | - |
| stockBasedCompensation | - |
| changeInWorkingCapital | - |
| accountsReceivables | - |
| inventory | - |
| accountsPayables | - |
| otherWorkingCapital | - |
| otherNonCashItems | -1.98M |
| netCashProvidedByOperatingActivities | - |
| investmentsInPropertyPlantAndEquipment | - |
| acquisitionsNet | - |
| purchasesOfInvestments | - |
| salesMaturitiesOfInvestments | - |
| otherInvestingActivities | - |
| netCashProvidedByInvestingActivities | - |
| netDebtIssuance | - |
| longTermNetDebtIssuance | - |
| shortTermNetDebtIssuance | - |
| netStockIssuance | - |
| netCommonStockIssuance | - |
| commonStockIssuance | - |
| commonStockRepurchased | - |
| netPreferredStockIssuance | - |
| netDividendsPaid | - |
| commonDividendsPaid | - |
| preferredDividendsPaid | - |
| otherFinancingActivities | - |
| netCashProvidedByFinancingActivities | - |