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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Andover Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $0.00 Mil.
Andover Bancorp's average Total Assets over the quarter that ended in Dec. 2025 was $576.32 Mil. Therefore, Andover Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 0.00%.
The historical rank and industry rank for Andover Bancorp's ROA % or its related term are showing as below:
ANDC'
s ROA % Range Over the Past 10 Years
Min: 0.56 Med: 0.85 Max: 0.98
Current: 0.76
During the past 7 years, Andover Bancorp's highest ROA % was 0.98%. The lowest was 0.56%. And the median was 0.85%.
ANDC's ROA % is ranked worse than 65.18% of 1528
companies
in the Banks industry
Industry Median: 1
vs ANDC: 0.76
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Andover Bancorp ROA % Related Terms
Andover Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Andover Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Andover Bancorp (ANDC) has a ROA % of 0.00% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Andover Bancorp and its competitors. Over the past decade, Andover Bancorp's ROA % has ranged from 0.56 to 0.98. According to the industry distribution chart, Andover Bancorp ranks #996 out of 1528 companies in the Banks industry, placing it in the top 65.2%.
Is Andover Bancorp's ROA % too high?
Andover Bancorp's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 0.98. Based on the distribution chart, Andover Bancorp ranks #996 out of 1528 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 ROA % compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #996 out of 1528 companies for ROA %. This places Andover Bancorp in the lower half of its industry. The industry median ROA % is 1.00. Historically, Andover Bancorp's own ROA % has ranged from 0.56 to 0.98 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current ROA % 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 ROA % 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current ROA % 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:
ROA %: 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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