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Andover Bancorp (OTCPK:ANDC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Andover Bancorp Net Margin % Related Terms
Andover Bancorp Net Margin % Historical Data
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The historical data trend for Andover Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's Net Margin % 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 Net Margin % of 0.00% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Andover Bancorp and its competitors. Over the past decade, Andover Bancorp's Net Margin % has ranged from 17.36 to 30.11. According to the industry distribution chart, Andover Bancorp ranks #1009 out of 1525 companies in the Banks industry, placing it in the top 66.2%.
Is Andover Bancorp's Net Margin % too high?
Andover Bancorp's current Net Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 17.36 to a high of 30.11. Based on the distribution chart, Andover Bancorp ranks #1009 out of 1525 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 Net Margin % compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #1009 out of 1525 companies for Net Margin %. This places Andover Bancorp in the lower half of its industry. The industry median Net Margin % is 27.10. Historically, Andover Bancorp's own Net Margin % has ranged from 17.36 to 30.11 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current Net Margin % 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 Net Margin % 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Net Margin % 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:
Net Margin %: 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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