Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Andover Bancorp's Enterprise Value is $23.63 Mil.
Andover Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil. Therefore, Andover Bancorp's EV-to-OCF for today is .
The historical rank and industry rank for Andover Bancorp's EV-to-OCF or its related term are showing as below:
ANDC'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.42 Med: 6.45 Max: 12.78
Current: 4.21
During the past 7 years, the highest EV-to-OCF of Andover Bancorp was 12.78. The lowest was 3.42. And the median was 6.45.
ANDC's EV-to-OCF is ranked worse than 50.4% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs ANDC: 4.21
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Andover Bancorp's PE Ratio (TTM) for today is calculated as:
Andover Bancorp's share price for today is $21.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Andover Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.170.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Andover Bancorp EV-to-OCF Related Terms
Andover Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Andover Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Andover Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's EV-to-OCF falls into.
Andover Bancorp's current Enterprise Value is $23.63 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Andover Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
* 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.
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:
EV-to-OCF:
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
Get the complete analysis for ANDC
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ANDC has been successfully added to your 
