Avidbank Holdings Inc (AVBH)
NASDAQ:AVBH
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Earnings Data
Report Date
Jul 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.83Last Year’s EPS
0.75Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented meaningful positives — stronger profitability, healthy loan and deposit growth, margin expansion, improved efficiency, and solid capital metrics — while also acknowledging several near-term risks: material Q1 charge-offs, concentrated venture/SaaS exposure that requires active monitoring, deposit cost pressure that could compress margins, and rising personnel-related expenses as the bank invests to scale. Management reiterated growth targets and emphasized active credit oversight, particularly around venture/SaaS and select criticized real estate credits. Overall, the transcript reflects a cautiously optimistic tone: strong operational progress and capital strength tempered by identifiable credit and funding/liability risks that merit close attention.Company Guidance
Improved Profitability and EPS Growth
Net income of $9.0M in Q1 2026, or $0.84 per diluted share, up from $6.9M / $0.65 in Q4 (≈+30% in net income; ≈+29% in EPS). Return on assets improved to 1.46% from 1.12%, and return on average equity increased to 12.7%.
Strong Loan and Deposit Growth
Loans grew $24M in the quarter and are up $332M (≈18%) since March 31, 2025. Deposits increased $13M in Q1 and are up $270M (≈14%) since March 31, 2025. Management reiterates expectation of low double-digit loan and deposit growth for the year.
Net Interest Margin Expansion
Reported NIM of 4.38% in Q1, up 25 basis points from Q4. Benefits included a special FHLB dividend (~4 bps) and the absence of a prior-quarter interest reversal that reduced Q4 margin (~12 bps).
Lower Credit Provision and Improved Coverage Trends
Provision for credit losses declined to $1.4M in Q1 from $2.8M in Q4 (≈-50%). Nonperforming loans declined by $16.3M (≈75 bps of loans) driven by a construction loan payoff and charge-offs, indicating improvement in measured problem assets this quarter.
Efficiency and Capital Metrics Improved
Efficiency ratio improved to 50.4%. Book value per share increased to $26.33 and Tier 1 capital rose to 11.39%. The bank also executed $693k of share repurchases (25,000 shares at an average $27.69).
Core Fee Income Strength
Higher core banking fee income (service charges, FX, credit card) during the quarter, partially offsetting declines in other noninterest income components.
Balanced Talent Investment for Growth
Headcount increased to 154 (added three people in Q1) with plans to hire additional bankers to support growth; management views hiring as investment in scaling the franchise following a successful IPO.
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 |
|---|---|---|---|
Apr 27, 2026 | $30.41 | $30.40 | -0.03% |
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% |
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 Jul 16, 2026, Before Open (Confirmed).
What is Avidbank Holdings Inc (AVBH) earnings time?
Avidbank Holdings Inc (AVBH) earnings time is at Jul 16, 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 (Q2) is 0.83.