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Avidbank Holdings Inc (AVBH)
NASDAQ:AVBH
Earnings Data
Report Date
Apr 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.8Last Year’s EPS
0.71Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive operating momentum: double-digit loan and deposit growth, expanded NIM and net interest income, improved investment portfolio yields, and a better efficiency ratio. Key near-term risks include a modest uptick in NPAs driven by a few construction and sponsor loans (one sizable $16M construction exposure), higher provisions and a Q4 charge-off spike, and an elevated noninterest expense run rate. Management expressed confidence that credit issues are well collateralized and reiterated a target of 10–15% growth in 2026, while acknowledging margin and expense headwinds to monitor.Company Guidance
Strong Loan Growth
Loans increased $190 million in Q4 and $283 million for the year, representing a 15% annualized growth rate; growth was broad-based across verticals except construction and led by sponsor finance and corporate banking.
Deposit Growth and Core Funding
Deposits rose $92 million in Q4 and $241 million for the year (13% annual growth). Noninterest-bearing deposits increased by $44 million in the quarter, and the bank is now 100% core funded.
Profitability and Earnings Momentum
Q4 net income was $6.9 million ($0.65 per diluted share). Adjusted net income for 2025 was $24.9 million ($2.80 per share). Pre-provision net revenue (PPNR) improved to $12.9 million in Q4 from $10.7 million in Q3.
Net Interest Margin Expansion
NIM expanded to 4.13% in Q4 from 3.90% in Q3 (≈23 bps improvement). Net interest income rose to $25.0 million from $22.7 million, driven by loan/deposit growth, portfolio repositioning, and a 32 bps decrease in cost of interest-bearing deposits.
Higher-Yielding Investment Portfolio
Purchased $62 million of securities at a 4.48% average yield in Q4, increasing available-for-sale securities to $218 million with an overall yield of 4.61% (vs 2.55% in Q3), improving the earning asset profile.
Improved Operating Efficiency
Adjusted efficiency ratio improved to 51.72% from 55.72% in Q3, reflecting revenue benefits from growth and portfolio repositioning and some operational leverage.
AVBH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AVBH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 29, 2026 | $27.59 | $29.10 | +5.47% |
Oct 23, 2025 | $25.68 | $26.18 | +1.95% |
Aug 25, 2025 | $24.45 | $24.52 | +0.29% |
Apr 22, 2025 | $21.30 | $21.35 | +0.23% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Avidbank Holdings Inc (AVBH) report earnings?
Avidbank Holdings Inc (AVBH) is schdueled to report earning on Apr 28, 2026, Before Open (Confirmed).
What is Avidbank Holdings Inc (AVBH) earnings time?
Avidbank Holdings Inc (AVBH) earnings time is at Apr 28, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AVBH EPS forecast?
AVBH EPS forecast for the fiscal quarter 2026 (Q1) is 0.8.