Andover Bancorp, Inc. (ANDC)
OTCMKTS · Delayed Price · Currency is USD
21.00
+0.50 (2.44%)
At close: Jul 28, 2026
Andover Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 4.38 | 3.16 | 3.78 | 4.87 | 5.39 |
Depreciation & Amortization | 0.65 | 0.66 | 0.69 | 0.72 | 0.8 |
Other Amortization | - | - | - | 0.05 | 0.01 |
Gain (Loss) on Sale of Assets | - | -0.01 | -0.04 | -0.02 | -0.01 |
Gain (Loss) on Sale of Investments | 0.76 | 0.8 | 0.77 | 0.98 | 0.94 |
Provision for Credit Losses | 0.01 | -0.04 | -0.05 | -0.1 | - |
Accrued Interest Receivable | 0.03 | -0.08 | 0.11 | -0.34 | -0.08 |
Change in Other Net Operating Assets | -0.34 | 0.78 | 0.34 | -0.34 | -0.35 |
Other Operating Activities | -0.2 | -0.32 | -0.44 | -0.13 | -0.14 |
Operating Cash Flow | 5.62 | 5.73 | 5.97 | 6.21 | 6.75 |
Operating Cash Flow Growth | -1.90% | -4.06% | -3.80% | -8.08% | -21.91% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.41 | -0.26 | -0.54 | -0.6 | -0.4 |
Sale of Property, Plant and Equipment | - | 0.01 | 0.02 | 0.01 | - |
Investment in Securities | 11.52 | -30.99 | 21.14 | -20.43 | -48.95 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -9.66 | 3.16 | 8.58 | -14.92 | -5.77 |
Other Investing Activities | -0.16 | 0.01 | 1.2 | -0.02 | 0.09 |
Investing Cash Flow | 1.29 | -28.07 | 30.4 | -35.95 | -55.03 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | - | - | 20 | 10 |
Long-Term Debt Repaid | - | - | -20 | -10 | -7.5 |
Net Debt Issued (Repaid) | - | - | -20 | 10 | 2.5 |
Repurchase of Common Stock | -1.08 | -1.21 | -0.72 | -1.72 | -2.58 |
Common Dividends Paid | -1.53 | -1.56 | -1.58 | -1.59 | -1.68 |
Net Increase (Decrease) in Deposit Accounts | 11.04 | 8.64 | -0.25 | 20.03 | 49.54 |
Other Financing Activities | - | - | - | - | -0.26 |
Financing Cash Flow | 8.43 | 5.86 | -22.55 | 26.73 | 47.52 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 15.34 | -16.47 | 13.82 | -3.01 | -0.76 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 5.21 | 5.47 | 5.43 | 5.61 | 6.35 |
Free Cash Flow Growth | -4.72% | 0.57% | -3.09% | -11.65% | -23.41% |
Free Cash Flow Margin | 25.99% | 30.00% | 29.77% | 30.25% | 35.44% |
Free Cash Flow Per Share | 2.59 | 2.66 | 2.59 | 2.63 | 2.85 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 6.3 | 5.61 | 3.19 | 1.15 | 1 |
Cash Income Tax Paid | 0.34 | 0.17 | 0.11 | 0.12 | 0.73 |