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Andover BancorpANDC 61 Equity-to-Asset is 0.05 as of Dec. 2025, which is at its 10-year median of 0.05. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,524 Banks companies, Andover Bancorp ranks worse than 91.47% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Andover Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $28.45 Mil. Andover Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $587.06 Mil.
The historical rank and industry rank for Andover Bancorp's Equity-to-Asset or its related term are showing as below:
ANDC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.1
Current: 0.05
During the past 7 years, the highest Equity to Asset Ratio of Andover Bancorp was 0.10. The lowest was 0.02. And the median was 0.05.
ANDC's Equity-to-Asset is ranked worse than 91.47% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs ANDC: 0.05
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Andover Bancorp Equity-to-Asset Related Terms
Andover Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Andover Bancorp's Equity-to-Asset 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.
ANDC vs SSBP, FMFP, LKSB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Andover Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Andover Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (ANDC) has a Equity-to-Asset of 0.05 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Andover Bancorp and its competitors. This is near median its historical median of 0.05. Over the past decade, Andover Bancorp's Equity-to-Asset has ranged from 0.02 to 0.10. According to the industry distribution chart, Andover Bancorp ranks #1394 out of 1524 companies in the Banks industry, placing it in the top 91.5%.
Is Andover Bancorp's Equity-to-Asset too high?
Andover Bancorp's current Equity-to-Asset of 0.05 is near median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Andover Bancorp's value of 0.05 is 50% below this industry median. Based on the distribution chart, Andover Bancorp ranks #1394 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #1394 out of 1524 companies for Equity-to-Asset. This places Andover Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Andover Bancorp's value of 0.05 is 50% below this benchmark. Historically, Andover Bancorp's own Equity-to-Asset has ranged from 0.02 to 0.10 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.10, Andover Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Andover Bancorp's current Equity-to-Asset of 0.05 is 50% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current Equity-to-Asset is 0.05, which is near median its own 10-year median of 0.05. 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 Equity-to-Asset is 0.05, which is near median its 10-year median of 0.05 and 50% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Equity-to-Asset is 0.05 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:
Equity-to-Asset: 0.05 (near median its 10-year median of 0.05)
GF Value™: $22.87 vs. price of $21.00 (8.2% below fair value)
Industry Position: 50% below the Banks median (#1394 of 1524)
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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