ANDC (Andover Bancorp) ROC %: % (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 ROC %?

Andover Bancorp ANDC 61 ROC % is % as of Dec. 2025. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued).

ROC %does not apply to banks.

ANDC
61GF Score
Andover Bancorp Inc ANDC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Andover Bancorp (ANDC) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Andover Bancorp and its competitors.
Is Andover Bancorp's ROC % too high?
Andover Bancorp's current ROC % is %. 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 ROC % compare to SSBP and FMFP?
Andover Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current ROC % is % 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:

  • ROC %: %
  • 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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.87
GF Value