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Andover BancorpANDC 61 Earnings per Share (Diluted) is $0.00 as of Dec. 2025. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,411 Banks companies, Andover Bancorp ranks worse than 74.98% on this metric.
Andover Bancorp's EPS (Basic) for the
six
months ended in Dec. 2025 was $0.00.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00.
During the past 12 months, Andover Bancorp's average EPS without NRIGrowth Rate was 41.80% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -1.80% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -2.30% per year.
During the past 7 years, Andover Bancorp's highest 3-Year average EPS without NRI Growth Rate was 13.70% per year. The lowest was -14.20% per year. And the median was -1.35% per year.
Andover Bancorp (OTCPK:ANDC) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Andover Bancorp Earnings per Share (Diluted) Related Terms
Andover Bancorp Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Andover Bancorp's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Andover Bancorp Earnings per Share (Diluted) Chart
ANDC vs SSBP, FMFP, LKSB: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Andover Bancorp's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's PE Ratio distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's PE Ratio falls into.
Andover Bancorp Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Andover Bancorp's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $0.00
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.00 mean?
Andover Bancorp (ANDC) has a Earnings per Share (Diluted) of $0.00 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Andover Bancorp and its competitors. According to the industry distribution chart, Andover Bancorp ranks #1058 out of 1411 companies in the Banks industry, placing it in the top 75%.
Is Andover Bancorp's Earnings per Share (Diluted) too high?
Andover Bancorp's current Earnings per Share (Diluted) is $0.00. Based on the distribution chart, Andover Bancorp ranks #1058 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, Andover Bancorp has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Andover Bancorp's Earnings per Share (Diluted) compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #1058 out of 1411 companies for Earnings per Share (Diluted). This places Andover Bancorp in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.40, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current Earnings per Share (Diluted) is $0.00. 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 Fairly Valued. The stock's GF Value™ is $22.87, compared to a current price of $21.00 — trading 8.2% below its estimated fair value. The current Earnings per Share (Diluted) is $0.00. Andover Bancorp's overall GF Score™ is 61/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Earnings per Share (Diluted) is $0.00 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 $21.00 is trading 8.2% below its estimated GF Value™ of $22.87.
GuruFocus considers Andover Bancorp to be Fairly Valued.
Key valuation signals for ANDC:
Earnings per Share (Diluted): $0.00
GF Value™: $22.87 vs. price of $21.00 (8.2% below fair value)
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.
61GF Score
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