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Andover BancorpANDC 67 3-Year Book Growth Rate is 30.00% as of Dec. 2025. GuruFocus rates ANDC with a GF Score™ of 67/100 and a GF Value™ of $22.91 (Modestly Undervalued). Among 1,495 Banks companies, Andover Bancorp ranks better than 94.92% on this metric.
During the past 12 months, Andover Bancorp's average Book Value per Share Growth Rate was 64.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 30.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -11.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Andover Bancorp was 30.00% per year. The lowest was -28.50% per year. And the median was -24.60% per year.
Andover Bancorp (OTCPK:ANDC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Andover Bancorp 3-Year Book Growth Rate Related Terms
ANDC vs SSBP, FMFP, LKSB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Andover Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Andover Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's 3-Year Book Growth Rate falls into.
Andover Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 30.00% mean?
Andover Bancorp (ANDC) has a 3-Year Book Growth Rate of 30.00% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Andover Bancorp and its competitors. According to the industry distribution chart, Andover Bancorp ranks #76 out of 1495 companies in the Banks industry, placing it in the top 5.1%.
Is Andover Bancorp's 3-Year Book Growth Rate too high?
Andover Bancorp's current 3-Year Book Growth Rate is 30.00%. The Banks industry median 3-Year Book Growth Rate is 8.80. Andover Bancorp's value of 30.00% is 240.9% above this industry median. Based on the distribution chart, Andover Bancorp ranks #76 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Andover Bancorp has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Andover Bancorp's 3-Year Book Growth Rate compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #76 out of 1495 companies for 3-Year Book Growth Rate. This places Andover Bancorp in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Andover Bancorp's value of 30.00% is 240.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Andover Bancorp's current 3-Year Book Growth Rate of 30.00% is 240.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Andover Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current 3-Year Book Growth Rate is 30.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Andover Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Andover Bancorp (ANDC) is currently considered Modestly Undervalued. The stock's GF Value™ is $22.91, compared to a current price of $20.12 — trading 12.2% below its estimated fair value. The current 3-Year Book Growth Rate is 30.00% and 240.9% above the Banks industry median of 8.80. Andover Bancorp's overall GF Score™ is 67/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current 3-Year Book Growth Rate is 30.00% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Andover Bancorp (ANDC) Overvalued in 2026?
Based on GuruFocus' analysis, Andover Bancorp stock appears to be undervalued.
The current stock price of $20.12 is trading 12.2% below its estimated GF Value™ of $22.91.
GuruFocus considers Andover Bancorp to be Modestly Undervalued.
Key valuation signals for ANDC:
3-Year Book Growth Rate: 30.00%
GF Value™: $22.91 vs. price of $20.12 (12.2% below fair value)
Industry Position: 240.9% above the Banks median (#76 of 1495)
No single metric tells the full story. See the ANDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Andover Bancorp Inc is a United States-based holding company for Andover bank. The bank is a locally owned and independent community bank. The company provides banking services to personal and business customers. The bank provides a full range of banking products, including consumer, mortgage, and commercial loans; checking, savings, and others. The majority of the Company's income is derived from retail lending activities.
67GF Score
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