ANDC (Andover Bancorp) Tariff Resilience Score: 9/10 (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ANDC Andover Bancorp Inc ANDC
61 GF Score
Price $21.00
GF Value $22.87
Valuation Fairly Valued
View Full Analysis

What is Andover Bancorp Tariff Resilience Score?

Andover Bancorp ANDC 61 Tariff Resilience Score is 9 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 1,605 Banks companies, Andover Bancorp ranks better than 99.31% on this metric.

Andover Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Andover Bancorp has As a financial institution, Andover Bancorp has minimal direct exposure to tariffs. Its operations are primarily domestic, and it is insulated from international trade fluctuations, making it highly resilient to tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Andover Bancorp might have Highly Resilient.

Andover Bancorp  (OTCPK:ANDC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Andover Bancorp Tariff Resilience Score Related Terms

ANDC vs SSBP, FMFP, LKSB: Tariff Resilience Score Comparison

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

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

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


ANDC
61GF Score
Andover Bancorp Inc ANDC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 9 mean?
Andover Bancorp (ANDC) has a Tariff Resilience Score of 9 as of Aug. 08, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Andover Bancorp ranks #11 out of 1605 companies in the Banks industry, placing it in the top 0.7%.
Is Andover Bancorp's Tariff Resilience Score too high?
Andover Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, Andover Bancorp ranks #11 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #11 out of 1605 companies for Tariff Resilience Score. This places Andover Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Andover Bancorp's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.87
GF Value