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.
Andover BancorpANDC 61 FCF Yield % is 12.45 as of Aug. 08, 2026, which is 8% below its 10-year median of 13.46. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,499 Banks companies, Andover Bancorp ranks better than 68.71% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Andover Bancorp FCF Yield % Related Terms
Andover Bancorp FCF Yield % Historical Data
* Premium members only.
The historical data trend for Andover Bancorp's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's FCF Yield % falls into.
* 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 FCF Yield % of 12.45 as of Aug. 08, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Andover Bancorp and its competitors. This is near median its historical median of 13.46. Over the past decade, Andover Bancorp's FCF Yield % has ranged from 7.19 to 20.10. According to the industry distribution chart, Andover Bancorp ranks #469 out of 1499 companies in the Banks industry, placing it in the top 31.3%.
Is Andover Bancorp's FCF Yield % too high?
Andover Bancorp's current FCF Yield % of 12.45 is near median its 10-year median of 13.46. Over the past 10 years, this metric has ranged from a low of 7.19 to a high of 20.10. The Banks industry median FCF Yield % is 7.94. Andover Bancorp's value of 12.45 is 56.8% above this industry median. Based on the distribution chart, Andover Bancorp ranks #469 out of 1499 companies in the Banks industry, which is above 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 FCF Yield % compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #469 out of 1499 companies for FCF Yield %. This puts Andover Bancorp in the upper half of its industry. The industry median FCF Yield % is 7.94. Andover Bancorp's value of 12.45 is 56.8% above this benchmark. Historically, Andover Bancorp's own FCF Yield % has ranged from 7.19 to 20.10 over the past decade. While the company's 10-year median is 13.46 vs. the industry median of 7.94, Andover Bancorp has consistently been above 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.94, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Andover Bancorp's current FCF Yield % of 12.45 is 56.8% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 7.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current FCF Yield % is 12.45, which is near median its own 10-year median of 13.46. 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 FCF Yield % is 12.45, which is near median its 10-year median of 13.46 and 56.8% above the Banks industry median of 7.94. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current FCF Yield % is 12.45 as of Aug. 08, 2026. 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:
FCF Yield %: 12.45 (near median its 10-year median of 13.46)
GF Value™: $22.87 vs. price of $21.00 (8.2% below fair value)
Industry Position: 56.8% above the Banks median (#469 of 1499)
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
FCF Yield % 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 
