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The latest update is out from Avidbank Holdings ( (AVBH) ).
On January 29, 2026, Avidbank Holdings reported a strong rebound in quarterly performance, posting net income of $6.9 million, or $0.65 per diluted share, for the fourth quarter of 2025, after a $37.7 million loss in the third quarter tied to a major securities portfolio repositioning. While the company recorded a full‑year 2025 net loss of $19.6 million due to a $62.4 million loss on the sale of available‑for‑sale securities, adjusted results showed underlying earnings growth, with adjusted net income rising 18% to $24.9 million and net interest margin expanding to 3.80% for the year. Fourth‑quarter operating trends were notably positive, with strong loan and deposit growth, a wider 4.13% net interest margin, improved efficiency ratios, and higher book value per share. Asset quality metrics weakened as non‑performing assets rose to 0.95% of total assets by December 31, 2025, largely from downgrades of two construction loans and one commercial loan, though management emphasized these credits are well collateralized and reaffirmed confidence in overall asset quality and underwriting discipline. The company also highlighted the strategic impact of its August 2025 initial public offering, which raised $61.3 million in net proceeds used alongside securities sales to pay down short‑term borrowings and reposition the securities portfolio into higher‑yielding assets, supporting improved funding costs and margins going into 2026.
The most recent analyst rating on (AVBH) stock is a Hold with a $27.00 price target. To see the full list of analyst forecasts on Avidbank Holdings stock, see the AVBH Stock Forecast page.
Spark’s Take on AVBH Stock
According to Spark, TipRanks’ AI Analyst, AVBH is a Neutral.
Overall score reflects mid-tier fundamentals (profitability and cash conversion, but uneven revenue/margins and higher leverage sensitivity) as the primary driver. Technicals are supportive with an above-DMA trend and neutral-to-positive momentum. The score is held back by the negative P/E and the recent event-driven quarterly loss despite the IPO-led balance sheet actions.
To see Spark’s full report on AVBH stock, click here.
More about Avidbank Holdings
Avidbank Holdings, Inc. (NASDAQ: AVBH) is the holding company for Avidbank, a California state‑chartered bank based in San Jose that operates across five lending and deposit verticals. The bank focuses on commercial lending and deposit services, generating revenue primarily through net interest income on loans and securities funded by a diversified deposit base and other borrowings.
Average Trading Volume: 51,428
Technical Sentiment Signal: Buy
Current Market Cap: $301.8M
See more insights into AVBH stock on TipRanks’ Stock Analysis page.