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Andover Bancorp, Inc. (ANDC)

USD20.10 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 600 East Main Street 44003
Andover, OH, US
CEO Stephen E. Varckette
IPO 2018-02-07
ISIN US0342631035

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
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Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
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Price
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Draw
USD20.10 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
254
Beta
-0.09
Float Shares
2.04M
Free Float %
102.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.50% +8.06% +8.36% +8.36% +4.52% +1.77% +8.59% -12.61% +18.24%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Daily Returns Distribution
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Revenue flow

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Financial Statements

Income Statement

Balance Sheet

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Key Metrics

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Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
20.10
DCF (Unlevered) 24.98 +24.3%
DCF (Levered) 46.04 +129.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Operational MOAT
  • Revenue growth
    +44.4% Q4'23: +21.9% (vs Q2'21)
  • EPS growth
    +41.8% Q4'23: -31.7% (vs Q2'21)
  • FCF margin
    Q4'23: +0.0% (vs Q2'21)
  • EBIT margin
    Q4'23: +16.5% (vs Q2'21)
  • ROIC
    Q4'23: +12.8% (vs Q2'21)
  • Share dilution
    -2.1% Q4'23: -8.1% (vs Q2'21)
  • Debt / EBITDA
    Q4'23: 1.30× (vs Q2'21)
Valuation Multiples From To
Price Forecast (3Y) From To
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P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.09) × ERP
WACC = 80% × Ke + 20% × Kd (62.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 24.98 Current price: 20.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Ownership data is not available for this company yet.

Executive team

Top executives
EBIT / Employee
45.0K
Shares Outstanding
1.99M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brenda Sanford Senior Vice President of Human Resources
Christie K. Joslin Vice President & Treasurer
Daniel J. Weber Senior Vice President & Chief Credit Officer male
Edward Debevec Chief Financial Officer male
Kimberly A. Giddings Senior Vice President of Operations female
Richard Kotila SVP, General Counsel & Secretary male
Sean C. Dockery Senior Vice President & Chief Banking Officer
Stephen E. Varckette President, Chief Executive Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits