ANDC (Andover Bancorp) Moat Score: 2/10 (As of Aug. 08, 2026)

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ANDC Andover Bancorp Inc ANDC
61 GF Score
Price $21.00
GF Value $22.87
Valuation Fairly Valued
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What is Andover Bancorp Moat Score?

Andover Bancorp ANDC 61 Moat Score is 2 as of Aug. 08, 2026. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,608 Banks companies, Andover Bancorp ranks better than 60.07% on this metric.

Andover Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Andover Bancorp has No Moat: Andover Bancorp has a very weak moat with limited market share and brand recognition. It lacks significant customer switching costs, economies of scale, and regulatory barriers. The banking industry is highly competitive, reducing its pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Andover Bancorp might have No Moat - Very weak/transient advantages.

Andover Bancorp  (OTCPK:ANDC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Andover Bancorp Moat Score Related Terms

ANDC vs SSBP, FMFP, LKSB: Moat Score Comparison

For the Banks - Regional subindustry, Andover Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Andover Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Andover Bancorp's Moat Score falls into.


ANDC
61GF Score
Andover Bancorp Inc ANDC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Andover Bancorp (ANDC) has a Moat Score of 2 as of Aug. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Andover Bancorp ranks #642 out of 1608 companies in the Banks industry, placing it in the top 39.9%.
Is Andover Bancorp's Moat Score too high?
Andover Bancorp's current Moat Score is 2. Based on the distribution chart, Andover Bancorp ranks #642 out of 1608 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 Moat Score compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #642 out of 1608 companies for Moat Score. This puts Andover Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Andover Bancorp's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Moat Score is 2 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:

  • Moat Score: 2
  • GF Value™: $22.87 vs. price of $21.00 (8.2% below fair value)
  • GF Score™: 61/100

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 Business Description

Address 600 East Main Street, PO Box 1300, Andover, OH, USA, 44003
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.87
GF Value