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Andover BancorpANDC 61 5-Year Share Buyback Ratio is 2.40 as of Dec. 2025. GuruFocus rates ANDC with a GF Score™ of 61/100 and a GF Value™ of $22.87 (Fairly Valued). Among 1,090 Banks companies, Andover Bancorp ranks better than 92.57% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Andover Bancorp's current 5-Year Share Buyback Ratio was 2.40%.
ANDC's 5-Year Share Buyback Ratio is ranked better than 92.57% of 1090
companies
in the Banks industry
Industry Median: -0.5
vs ANDC: 2.40
Andover Bancorp (OTCPK:ANDC) 5-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Andover Bancorp 5-Year Share Buyback Ratio Related Terms
ANDC vs SSBP, FMFP, LKSB: 5-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Andover Bancorp's 5-Year Share Buyback Ratio, along with its competitors' market caps and 5-Year Share Buyback 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 5-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's 5-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's 5-Year Share Buyback Ratio falls into.
Andover Bancorp 5-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from five years ago to the current year. The annualized percentage change is calculated with least-square regression based on the latest six years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 5-Year Share Buyback Ratio of 2.40 mean?
Andover Bancorp (ANDC) has a 5-Year Share Buyback Ratio of 2.40 as of Dec. 2025. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for Andover Bancorp and its competitors. According to the industry distribution chart, Andover Bancorp ranks #81 out of 1090 companies in the Banks industry, placing it in the top 7.4%.
Is Andover Bancorp's 5-Year Share Buyback Ratio too high?
Andover Bancorp's current 5-Year Share Buyback Ratio is 2.40. Based on the distribution chart, Andover Bancorp ranks #81 out of 1090 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 5-Year Share Buyback Ratio compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #81 out of 1090 companies for 5-Year Share Buyback Ratio. This places Andover Bancorp in the top 7% 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 5-Year Share Buyback Ratio for a Banks company?
A good 5-Year Share Buyback Ratio depends on the Banks industry context. However, 5-Year Share Buyback 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 5-Year Share Buyback Ratio mean?
A high 5-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for Andover Bancorp and its competitors. Andover Bancorp's current 5-Year Share Buyback Ratio is 2.40. 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 5-Year Share Buyback Ratio is 2.40. 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 5-Year Share Buyback Ratio calculated?
5-Year Share Buyback Ratio is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current 5-Year Share Buyback Ratio is 2.40 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:
5-Year Share Buyback Ratio: 2.40
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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5-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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