Andover Bancorp, Inc.

ANDC

ANDCAndover Bancorp, Inc. US flag

Other OTC

20.11

USD

+0.01

- -

40.06MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	15	16	18	18	18	18	20
+ Sales & Services Revenue	15	16	18	18	18	18	20
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-11	-11	-12	-13	-14	-15	-16
- Operating Expenses	11	11	12	13	14	15	16
+ Selling, General & Admin	1	1	1	1	1	1	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	10	10	11	12	13	14	15
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-4	-5	-6	-5	-4	-3	-4
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-4	-5	-6	-5	-4	-3	-4
Pretax Income	4	5	6	5	4	3	4
- Income Tax Expense (Benefit)	- -	- -	- -	- -	- -	- -	- -
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	4	5	5	4	3	4
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	4	5	5	4	3	4
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	4	5	5	4	3	4
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	4	5	5	4	3	4
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-1	-1	-1	-1
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	24.41	26.59	30.11	26.43	20.75	17.36	21.85
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.73	0.73	0.76	0.74	0.75	0.76	- -
Depreciation Expense	1	1	1	1	1	1	1
Basic Weighted Avg Shares	2	2	2	2	2	2	- -
Basic EPS, GAAP	1.56	1.85	2.42	2.29	1.8	1.53	- -
Basic EPS from Cont Ops	1.56	1.85	2.42	2.29	1.8	1.53	- -
Diluted Weighted Avg Shares	2	2	2	2	2	2	2
Diluted EPS, GAAP	1.56	1.85	2.42	2.29	1.8	1.53	2.17
Diluted EPS from Cont Ops	1.56	1.85	2.42	2.29	1.8	1.53	2.17

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	13	19	18	15	29	13	28
+ Cash & Cash Equivalents	13	19	18	15	29	13	28
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	2	2	2	2	2	2
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	1	2	2	2	2	2	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-14	-21	-20	-18	-31	-15	-30
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	8	8	8	8	7	7
+ Property, Plant & Equip	22	22	22	23	23	23	23
- Accumulated Depreciation	13	14	15	15	16	16	16
+ LT Investments & Receivables	120	159	161	174	167	146	149
+ LT Investments	120	159	161	174	167	146	149
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-128	-167	-168	-182	-174	-154	-156
+ Total Intangible Assets	3	3	3	3	3	3	3
+ Goodwill	3	3	3	3	3	3	3
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-131	-170	-171	-184	-177	-156	-158
Total Assets	427	527	575	571	558	566	587
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	1	1	1
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	-1	-1	-1
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	15	18	20	30	10	10	10
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-15	-18	-20	-30	-10	-10	-10
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-15	-18	-20	-30	-10	-10	-10
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	384	478	528	558	538	548	559
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	2	2	2	2	2	2	2
+ Common Stock	1	1	1	1	1	1	1
+ Additional Paid in Capital	2	2	2	2	2	2	2
- Treasury Stock	15	16	19	20	20	21	22
+ Retained Earnings	57	60	64	67	69	70	73
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	43	49	47	14	20	18	28
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	43	49	47	14	20	18	28
Total Liabilities & Equity	427	527	575	571	558	566	587
Shares Outstanding	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-13	-19	-18	-15	-29	-13	-28
Net Debt to Equity	-30.25	-39.45	-39.77	-113.13	-144.46	-72.5	-98.98
Tangible Common Equity Ratio	9.35	8.77	7.64	1.93	3.17	2.67	4.41
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	4	4	5	5	4	3	4
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	1	4	2	2	1	2	2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	4	1	1	1	1	1
+ Chg in Non-Cash Work Cap	-1	- -	-1	-1	1	1	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	- -	- -	- -	1	1	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	4	9	7	6	6	6	6
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	-1	-1	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	-1	-1	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	-1	-3	-2	-1	-1	-1
+ Increase in Capital Stock	- -	- -	- -	-1	- -	- -	- -
+ Decrease in Capital Stock	-1	-1	-2	-1	- -	-1	-1
+ Net Change in LT Investment	-7	-57	-49	-20	21	-31	12
+ Dec in LT Investment	44	75	39	32	35	19	25
+ Inc in LT Investment	-51	-133	-87	-52	-14	-50	-14
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-17	-34	-6	-15	10	3	-10
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-25	-92	-55	-36	30	-28	1
+ Dividends Paid	-2	-2	-2	-2	-2	-2	-2
+ Net Cash From Debt	-11	2	2	10	-20	- -	- -
+ Cash From Debt	15	5	10	20	- -	- -	- -
+ Repayments of Debt	-26	-2	-8	-10	-20	- -	- -
+ Other Financing Activities	38	90	49	20	- -	9	11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	24	89	48	27	-23	6	8
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	4	6	-1	-3	14	-16	15
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	4	8	6	6	5	5	5
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	4	8	6	6	5	5	5
Free Cash Flow to Equity	- -	11	9	16	-15	5	5
Free Cash Flow per Basic Share	1.51	3.59	2.85	2.64	2.59	2.66	- -
Price/Free Cash Flow	10.18	4.74	5.91	6.18	6.25	6.87	6.2
Cash Flow to Net Income	1.1	2.03	1.25	1.27	1.58	1.81	1.28
Capital Expenditures	- -	- -	- -	-1	-1	- -	- -