ANDC (Andover Bancorp) Dividend Payout Ratio: 0.00 (As of Dec. 2025)

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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 Dividend Payout Ratio?

Andover Bancorp ANDC 61 Dividend Payout Ratio is 0.00 as of Dec. 2025. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,167 Banks companies, Andover Bancorp ranks worse than 53.81% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Andover Bancorp's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.00.

The historical rank and industry rank for Andover Bancorp's Dividend Payout Ratio or its related term are showing as below:

ANDC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.31   Med: 0.4   Max: 0.49
Current: 0.35

During the past 7 years, the highest Dividend Payout Ratio of Andover Bancorp was 0.49. The lowest was 0.31. And the median was 0.40.

ANDC's Dividend Payout Ratio is ranked worse than
53.81% of 1167 companies
in the Banks industry
Industry Median: 0.33 vs ANDC: 0.35

As of today (2026-08-09), the Dividend Yield % of Andover Bancorp is 3.62%.

During the past 7 years, the highest Trailing Annual Dividend Yield of Andover Bancorp was 4.17%. The lowest was 3.13%. And the median was 3.82%.

Andover Bancorp's Dividends per Share for the months ended in Dec. 2025 was $0.00.

During the past 12 months, Andover Bancorp's average Dividends Per Share Growth Rate was 0.70% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 0.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 0.70% per year.

During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Andover Bancorp was 0.70% per year. The lowest was 0.70% per year. And the median was 0.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Andover Bancorp (OTCPK:ANDC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Andover Bancorp Dividend Payout Ratio Related Terms

Andover Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Andover Bancorp's Dividend Payout Ratio 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.

Andover Bancorp Dividend Payout Ratio Chart

Andover Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 0.31 0.33 0.42 0.49 0.35

Andover Bancorp Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.33 0.40 0.44 0.00 0.00

ANDC vs SSBP, FMFP, LKSB: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Andover Bancorp's Dividend Payout Ratio falls into.


ANDC
61GF Score
Andover Bancorp Inc ANDC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Andover Bancorp Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Andover Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.76/ 2.17
=0.35

Andover Bancorp's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0/ 0
=N/A

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.00 mean?
Andover Bancorp (ANDC) has a Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Andover Bancorp and its competitors. Over the past decade, Andover Bancorp's Dividend Payout Ratio has ranged from 0.31 to 0.49. According to the industry distribution chart, Andover Bancorp ranks #628 out of 1167 companies in the Banks industry, placing it in the top 53.8%.
Is Andover Bancorp's Dividend Payout Ratio too high?
Andover Bancorp's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.49. Based on the distribution chart, Andover Bancorp ranks #628 out of 1167 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 Dividend Payout Ratio compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #628 out of 1167 companies for Dividend Payout Ratio. This places Andover Bancorp in the lower half of its industry. The industry median Dividend Payout Ratio is 0.33. Historically, Andover Bancorp's own Dividend Payout Ratio has ranged from 0.31 to 0.49 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.33, based on 1,167 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current Dividend Payout Ratio 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 Dividend Payout Ratio 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Dividend Payout Ratio 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:

  • Dividend Payout Ratio: 0.00
  • 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

Get the complete analysis for ANDC

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.87
GF Value