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Andover Bancorp, Inc.
ANDCFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $26.26M | 16.7% | $4.39M | $5.20M | N/A |
| 2027 | $28.88M | 16.7% | $4.82M | $5.72M | $5.20M |
| 2028 | $31.77M | 16.7% | $5.31M | $6.29M | $5.20M |
| 2029 | $34.95M | 16.7% | $5.84M | $6.92M | $5.20M |
| 2030 | $38.44M | 16.7% | $6.42M | $7.61M | $5.20M |
| 2031 | $42.29M | 16.7% | $7.06M | $8.37M | $5.20M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.17 | 2025-12-31 |
| EPS growth | +41.8% | Forecast years: 5 |
| Future EPS | $12.441 | EPS × (1 + G)^5 |
| Base P/E | 8.5 | P/E |
| Future price | $105.74 | Future EPS × P/E |
| Fair value today | $65.659 | PV @ 10.0% |
| 30% safety price | $45.962 | Margin of safety |
| 50% safety price | $32.83 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $63.784 | $70.329 | $79.255 |
| 10.0% | $57.173 | $61.999 | $68.309 |
| 11.0% | $51.962 | $55.637 | $60.291 |