Andover Bancorp, Inc.

ANDC

ANDCAndover Bancorp, Inc. US flag

Other OTC

20.12

USD

- -

40.08MMarket Cap

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	9.32	11.32	16.19	22.25	16.63	18.98
Return on Assets (%)	- -	0.89	0.98	0.85	0.67	0.56	0.76
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.88	28.71	32.51	27.53	21.52	18.01	22.01
Profit Margin (%)	24.41	26.59	30.11	26.43	20.75	17.36	21.85
Net Income to Common Margin (%)	24.41	26.59	30.11	26.43	20.75	17.36	21.85
Effective Tax Rate (%)	9.19	7.38	7.4	4.01	3.6	3.61	0.74
Dvd Payout Ratio (%)	46.68	39.53	31.19	32.53	41.76	49.34	34.91
Sustainable Growth Rate (%)	- -	5.63	7.79	10.93	12.96	8.42	12.35

Credit (USD)

Credit Ratios 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 Debt	15	18	20	30	10	10	10
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	15	18	20	30	10	10	10
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	9.27	8.09	2.4	3.63	3.13	4.85
Long-Term Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Long-Term Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Long-Term Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Total Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Net Debt to Equity	-30.25	-39.45	-39.77	-113.13	-144.46	-72.5	-98.98
Net Debt/Capital (%)	-28.82	-40.93	-38.73	-55.28	-3,508.27	-86.84	-274.81
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	-1	-1	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	9.27	8.09	2.4	3.63	3.13	4.85
Long-Term Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Long-Term Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Long-Term Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Total Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
CFO/Total Liabilities	1.07	1.81	1.28	1.11	1.11	1.05	1.01
CFO/CapEx	8.42	24.22	16.73	10.39	11.15	21.87	13.67
Altman's Z-Score	0.29	0.24	0.23	0.24	0.25	0.25	0.25

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	45	42	41	42	40	41	37
- Cash & Cash Equivalents	13	19	18	15	29	13	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	15	18	20	30	10	10	10
Enterprise Value	47	41	42	56	21	38	19
Total Capital	58	66	66	43	30	28	38
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt / EV	0.32	0.43	0.47	0.53	0.47	0.26	0.53
EV/Sales	3.06	2.53	2.35	3.03	1.15	2.08	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	11.39	4.69	6.24	9.01	3.51	6.6	3.34
EV/Free Cash Flow to Firm	10.18	4.5	5.89	8.22	3.22	6.31	3.11
Diluted Market Cap	47	43	42	42	41	41	37
Diluted Enterprise Value	49	41	44	56	21	38	19
EV per Share	20.42	17.73	19.58	26.55	10.07	18.56	9.41
TTM Sales	15	16	18	18	18	18	20
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	9	7	6	6	6	6
TTM Free Cash Flow to Firm	5	9	7	7	7	6	6

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	10.18	4.74	5.91	6.18	6.25	6.87	6.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	47	41	42	56	21	38	19
Low Price	18.5	17.06	17.85	19.7	18.25	18.99	18.1
EV/Sales	3.06	2.53	2.35	3.03	1.15	2.08	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.53	10.02	7.84	8.63	10.77	13.03	- -
Price/Earnings Average	13.19	10.11	7.68	8.82	11.2	13.1	- -
Price/Earnings High	15.1	11.65	7.94	10.48	12.76	15.64	- -
Price/Earnings Low	11.89	9.24	7.36	8.6	10.13	12.37	- -
Price/Book Value	1.05	0.87	0.88	3.04	1.99	2.3	1.3
Price/Book Value Average	1.1	0.87	0.86	3.11	2.07	2.31	1.33
Price/Book Value High	1.26	1.01	0.89	3.69	2.36	2.76	1.4
Price/Book Value Low	0.99	0.8	0.83	3.03	1.87	2.18	1.27
Price/Tangible Book Value	1.12	0.92	0.94	3.79	2.29	2.71	1.43
Price/Tangible Book Value Average	1.18	0.93	0.92	3.87	2.39	2.72	1.47
Price/Tangible Book Value High	1.35	1.07	0.95	4.6	2.72	3.25	1.54
Price/Tangible Book Value Low	1.07	0.85	0.88	3.78	2.16	2.57	1.4
Price/Sales	3.06	2.66	2.36	2.28	2.23	2.26	- -
Price/Sales Average	3.22	2.69	2.31	2.33	2.32	2.27	- -
Price/Sales High	3.69	3.1	2.39	2.77	2.65	2.72	- -
Price/Sales Low	2.9	2.46	2.22	2.27	2.1	2.15	- -
Price/Cash Flow	11.39	4.93	6.26	6.77	6.81	7.18	- -
Price/Cash Flow Average	11.99	4.98	6.13	6.93	7.09	7.22	- -
Price/Cash Flow High	13.72	5.74	6.34	8.23	8.08	8.62	- -
Price/Cash Flow Low	10.8	4.55	5.88	6.76	6.41	6.82	- -
Price/Free Cash Flow Average	10.71	4.78	5.79	6.32	6.51	6.9	6.36
Price/Free Cash Flow High	12.27	5.51	5.98	7.51	7.41	8.24	6.68
Price/Free Cash Flow Low	9.66	4.37	5.55	6.16	5.88	6.52	6.05
EV/Sales Average	3.21	2.55	2.31	3.08	1.24	2.09	0.98
EV/Sales High	3.66	2.96	2.38	3.52	1.56	2.53	1.08
EV/Sales Low	2.91	2.32	2.22	3.03	1.02	1.96	0.89
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	19.5	18.5	19	19.75	19.4	20	18.55
High Price	23.5	21.51	19.25	24	23	24	20
Enterprise Value Average	49	41	41	57	23	38	20
Enterprise Value High	56	47	43	65	28	46	22
Enterprise Value Low	44	37	40	56	19	36	18

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	9.32	11.32	16.19	22.25	16.63	18.98
Return on Assets (%)	- -	0.89	0.98	0.85	0.67	0.56	0.76
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.88	28.71	32.51	27.53	21.52	18.01	22.01
Profit Margin (%)	24.41	26.59	30.11	26.43	20.75	17.36	21.85
Net Income to Common Margin (%)	24.41	26.59	30.11	26.43	20.75	17.36	21.85
Effective Tax Rate (%)	9.19	7.38	7.4	4.01	3.6	3.61	0.74
Dvd Payout Ratio (%)	46.68	39.53	31.19	32.53	41.76	49.34	34.91
Sustainable Growth Rate (%)	- -	5.63	7.79	10.93	12.96	8.42	12.35

Credit (USD)

Credit Ratios 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 Debt	15	18	20	30	10	10	10
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	15	18	20	30	10	10	10
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	9.27	8.09	2.4	3.63	3.13	4.85
Long-Term Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Long-Term Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Long-Term Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Total Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Net Debt to Equity	-30.25	-39.45	-39.77	-113.13	-144.46	-72.5	-98.98
Net Debt/Capital (%)	-28.82	-40.93	-38.73	-55.28	-3,508.27	-86.84	-274.81
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	-1	-1	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	9.27	8.09	2.4	3.63	3.13	4.85
Long-Term Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Long-Term Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Long-Term Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
Total Debt/Equity (%)	35.21	35.86	42.47	217.8	48.58	55.98	34.99
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt/Total Assets (%)	3.52	3.32	3.44	5.22	1.77	1.75	1.7
CFO/Total Liabilities	1.07	1.81	1.28	1.11	1.11	1.05	1.01
CFO/CapEx	8.42	24.22	16.73	10.39	11.15	21.87	13.67
Altman's Z-Score	0.29	0.24	0.23	0.24	0.25	0.25	0.25

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	45	42	41	42	40	41	37
- Cash & Cash Equivalents	13	19	18	15	29	13	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	15	18	20	30	10	10	10
Enterprise Value	47	41	42	56	21	38	19
Total Capital	58	66	66	43	30	28	38
Total Debt/Capital (%)	26.04	26.39	29.81	68.53	32.7	35.89	25.92
Total Debt / EV	0.32	0.43	0.47	0.53	0.47	0.26	0.53
EV/Sales	3.06	2.53	2.35	3.03	1.15	2.08	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	11.39	4.69	6.24	9.01	3.51	6.6	3.34
EV/Free Cash Flow to Firm	10.18	4.5	5.89	8.22	3.22	6.31	3.11
Diluted Market Cap	47	43	42	42	41	41	37
Diluted Enterprise Value	49	41	44	56	21	38	19
EV per Share	20.42	17.73	19.58	26.55	10.07	18.56	9.41
TTM Sales	15	16	18	18	18	18	20
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	9	7	6	6	6	6
TTM Free Cash Flow to Firm	5	9	7	7	7	6	6

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	10.18	4.74	5.91	6.18	6.25	6.87	6.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	47	41	42	56	21	38	19
Low Price	18.5	17.06	17.85	19.7	18.25	18.99	18.1
EV/Sales	3.06	2.53	2.35	3.03	1.15	2.08	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.53	10.02	7.84	8.63	10.77	13.03	- -
Price/Earnings Average	13.19	10.11	7.68	8.82	11.2	13.1	- -
Price/Earnings High	15.1	11.65	7.94	10.48	12.76	15.64	- -
Price/Earnings Low	11.89	9.24	7.36	8.6	10.13	12.37	- -
Price/Book Value	1.05	0.87	0.88	3.04	1.99	2.3	1.3
Price/Book Value Average	1.1	0.87	0.86	3.11	2.07	2.31	1.33
Price/Book Value High	1.26	1.01	0.89	3.69	2.36	2.76	1.4
Price/Book Value Low	0.99	0.8	0.83	3.03	1.87	2.18	1.27
Price/Tangible Book Value	1.12	0.92	0.94	3.79	2.29	2.71	1.43
Price/Tangible Book Value Average	1.18	0.93	0.92	3.87	2.39	2.72	1.47
Price/Tangible Book Value High	1.35	1.07	0.95	4.6	2.72	3.25	1.54
Price/Tangible Book Value Low	1.07	0.85	0.88	3.78	2.16	2.57	1.4
Price/Sales	3.06	2.66	2.36	2.28	2.23	2.26	- -
Price/Sales Average	3.22	2.69	2.31	2.33	2.32	2.27	- -
Price/Sales High	3.69	3.1	2.39	2.77	2.65	2.72	- -
Price/Sales Low	2.9	2.46	2.22	2.27	2.1	2.15	- -
Price/Cash Flow	11.39	4.93	6.26	6.77	6.81	7.18	- -
Price/Cash Flow Average	11.99	4.98	6.13	6.93	7.09	7.22	- -
Price/Cash Flow High	13.72	5.74	6.34	8.23	8.08	8.62	- -
Price/Cash Flow Low	10.8	4.55	5.88	6.76	6.41	6.82	- -
Price/Free Cash Flow Average	10.71	4.78	5.79	6.32	6.51	6.9	6.36
Price/Free Cash Flow High	12.27	5.51	5.98	7.51	7.41	8.24	6.68
Price/Free Cash Flow Low	9.66	4.37	5.55	6.16	5.88	6.52	6.05
EV/Sales Average	3.21	2.55	2.31	3.08	1.24	2.09	0.98
EV/Sales High	3.66	2.96	2.38	3.52	1.56	2.53	1.08
EV/Sales Low	2.91	2.32	2.22	3.03	1.02	1.96	0.89
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	19.5	18.5	19	19.75	19.4	20	18.55
High Price	23.5	21.51	19.25	24	23	24	20
Enterprise Value Average	49	41	41	57	23	38	20
Enterprise Value High	56	47	43	65	28	46	22
Enterprise Value Low	44	37	40	56	19	36	18

Shares Outstanding	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	- -
Revenue per Share	6.37	6.94	8.05	8.66	8.69	8.84	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.73	0.73	0.76	0.74	0.75	0.76	- -
Cash Flow per Share	1.71	3.75	3.04	2.92	2.85	2.78	- -
Free Cash Flow per Basic Share	1.51	3.59	2.85	2.64	2.59	2.66	- -
Cash & Equivalents per Share	5.64	8.43	8.59	7.35	14.06	6.3	14.14
Book Value per Share	18.65	21.36	21.6	6.5	9.73	8.69	14.28
Tangible Book Value per Share	17.34	20.1	20.31	5.22	8.46	7.39	12.95

Andover Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)