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Andover Bancorp Inc (ANDC)
OTHER OTC:ANDC
US Market
ANDC
Andover Bancorp
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Andover Bancorp (ANDC) Ratios

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Andover Bancorp Ratios

ANDC's free cash flow for Q2 2023 was $1.00. For the 2023 fiscal year, ANDC's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.05 0.05 0.07 0.08 0.05
Quick Ratio
 0.05 0.05 0.07 0.08 0.05
Cash Ratio
 0.05 0.05 0.03 0.08 0.04
Solvency Ratio
 <0.01 <0.01 <0.01 >-0.01 0.01
Operating Cash Flow Ratio
 0.01 0.01 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -530.45M$ -530.45M$ -517.90M$ -508.95M$ -540.53M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.02 0.02 0.05
Debt-to-Equity Ratio
 0.35 0.35 0.56 0.49 2.18
Debt-to-Capital Ratio
 0.26 0.26 0.36 0.33 0.69
Long-Term Debt-to-Capital Ratio
 0.26 0.26 0.36 0.33 0.69
Financial Leverage Ratio
 20.63 20.63 31.97 27.54 41.80
Debt Service Coverage Ratio
 0.81 0.81 -0.02 -0.11 4.33
Interest Coverage Ratio
 0.71 0.71 0.54 1.08 3.93
Debt to Market Cap
 0.24 0.27 0.24 0.24 0.71
Interest Debt Per Share
 8.03 8.03 7.72 6.43 14.61
Net Debt to EBITDA
 -3.60 -3.60 0.00 76.14 2.47
Profitability Margins
Gross Profit Margin
76.33%76.33%100.00%99.74%93.46%
EBIT Margin
16.80%16.80%-3.62%21.47%25.73%
EBITDA Margin
19.28%19.28%0.00%-1.40%29.39%
Operating Profit Margin
16.80%16.80%17.82%21.47%25.73%
Pretax Profit Margin
16.80%16.80%18.01%21.47%25.73%
Net Profit Margin
16.68%16.68%17.36%20.69%24.70%
Continuous Operations Profit Margin
16.68%16.68%17.36%20.69%24.70%
Net Income Per EBT
99.26%99.26%96.39%96.40%95.99%
EBT Per EBIT
100.00%100.00%101.09%100.00%100.00%
Return on Assets (ROA)
0.75%0.75%0.56%0.68%0.85%
Return on Equity (ROE)
18.98%15.39%17.85%18.63%35.61%
Return on Capital Employed (ROCE)
10.50%10.50%2.05%2.33%2.24%
Return on Invested Capital (ROIC)
10.43%10.43%1.98%2.28%2.15%
Return on Tangible Assets
0.75%0.75%0.56%0.68%0.86%
Earnings Yield
10.87%11.72%7.67%9.29%11.59%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 8.39 8.74 8.98
Payables Turnover
 7.79 7.79 0.00 6.47 7.75
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.75 3.75 2.53 2.42 2.60
Asset Turnover
 0.04 0.04 0.03 0.03 0.03
Working Capital Turnover Ratio
 -0.06 -0.06 -0.05 -0.05 -0.06
Cash Conversion Cycle
 -46.88 -46.88 43.51 -14.69 -6.45
Days of Sales Outstanding
 0.00 0.00 43.51 41.76 40.63
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 46.88 46.88 0.00 56.45 47.07
Operating Cycle
 0.00 0.00 43.51 41.76 40.63
Cash Flow Ratios
Operating Cash Flow Per Share
 2.79 2.79 2.78 2.85 2.92
Free Cash Flow Per Share
 2.59 2.59 2.66 2.59 2.64
CapEx Per Share
 0.20 0.20 0.13 0.26 0.28
Free Cash Flow to Operating Cash Flow
 0.93 0.93 0.95 0.91 0.90
Dividend Paid and CapEx Coverage Ratio
 2.90 2.90 3.15 2.83 2.84
Capital Expenditure Coverage Ratio
 13.67 13.67 21.87 11.15 10.39
Operating Cash Flow Coverage Ratio
 0.56 0.56 0.58 0.61 0.21
Operating Cash Flow to Sales Ratio
 0.21 0.21 0.32 0.33 0.31
Free Cash Flow Yield
12.79%13.94%13.28%13.36%13.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.20 8.53 13.03 10.77 8.63
Price-to-Sales (P/S) Ratio
 1.55 1.42 2.26 2.23 2.13
Price-to-Book (P/B) Ratio
 1.42 1.31 2.33 2.01 3.07
Price-to-Free Cash Flow (P/FCF) Ratio
 7.82 7.17 7.53 7.48 7.49
Price-to-Operating Cash Flow Ratio
 7.17 6.65 7.18 6.81 6.77
Price-to-Earnings Growth (PEG) Ratio
 0.09 0.20 -0.87 -0.50 -1.61
Price-to-Fair Value
 1.42 1.31 2.33 2.01 3.07
Enterprise Value Multiple
 4.44 3.78 0.00 -83.13 9.72
Enterprise Value
 22.50M 19.16M 38.22M 21.23M 56.35M
EV to EBITDA
 4.44 3.78 0.00 -83.13 9.72
EV to Sales
 0.86 0.73 2.10 1.16 2.86
EV to Free Cash Flow
 4.32 3.68 6.99 3.91 10.05
EV to Operating Cash Flow
 4.00 3.41 6.67 3.56 9.08
Tangible Book Value Per Share
 12.81 12.81 7.31 8.41 5.16
Shareholders’ Equity Per Share
 14.13 14.13 8.60 9.67 6.43
Tax and Other Ratios
Effective Tax Rate
 <0.01 <0.01 0.04 0.04 0.04
Revenue Per Share
 13.04 13.04 8.84 8.71 9.27
Net Income Per Share
 2.17 2.17 1.53 1.80 2.29
Tax Burden
 0.99 0.99 0.96 0.96 0.96
Interest Burden
 1.00 1.00 -4.98 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.04 0.04 0.05 0.03 0.03
Stock-Based Compensation to Revenue
 0.02 0.02 0.03 0.03 0.02
Income Quality
 1.28 1.28 1.81 1.58 1.27
Currency in USD