Avidia Bancorp, Inc. (AVBC) AI Stock Analysis

• Market Cap: $371.41M
• Dividend Yield: N/A
• Average Volume (3M): 57.93K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.39
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 250
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 20,076,250
• 10 Day Avg. Volume: 59,469
• 30 Day Avg. Volume: 57,932
• PEG Ratio: 0.72
• Price to Book (P/B): 0.82
• Price to Sales (P/S): 2.11
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.73
• Enterprise Value/Revenue: 4.35
• Enterprise Value/Gross Profit: 7.78
• Enterprise Value/Ebitda: -131.10
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $21.00 ▲(24.04% Upside)
• Action: Reiterated Date: 12/09/25
• Date: Action: Reiterated 12/09/25

Avidia Bancorp, Inc. receives a moderate overall stock score. The company's stable financial performance, despite some concerns about revenue and cash flow growth, is a key factor. Positive technical indicators suggest a bullish trend, although caution is advised due to overbought signals. The recent board appointment is a strategic positive, enhancing the company's governance and operational capabilities. However, the lack of valuation data limits a comprehensive assessment.

Positive Factors

Improved Capital Structure

A meaningful reduction in leverage improves balance-sheet resilience, lowers funding risk and enhances regulatory flexibility. Sustained lower debt-to-equity supports lending capacity, dividend policy and cushions credit shocks, strengthening long-term financial stability and strategic optionality.

Core Earning Expansion (Loans & Deposits)

Loan and deposit expansion that raised NIM to 3.54% reflects durable improvement in core net interest income generation. Strong core spread and volume growth are structural drivers of bank profitability and free cash flow, supporting reinvestment, provisioning and shareholder returns over multiple quarters.

Capital Return & Tangible Book Growth

Starting a recurring cash dividend while tangible book value rose signals management confidence and disciplined capital allocation. Consistent dividends and tangible equity growth reinforce investor trust, anchor payout policy and indicate surplus capital beyond regulatory minima for the medium term.

Negative Factors

Stagnant Revenue Growth

Persistent stagnant revenue constrains scalable earnings power and limits operating leverage. Without meaningful top-line growth, margin gains or cost reductions must offset growth shortfalls, which can pressure return on equity, reduce reinvestment capacity and hinder long-term competitive positioning.

Elevated Noninterest Expenses

Large noninterest charges, such as a $10M foundation contribution and higher compensation, materially depressed annual earnings. If elevated operating costs persist, they erode core profitability, reduce capital available for lending or dividends, and make earnings more sensitive to revenue volatility.

Deteriorating Asset Quality

Rising charge-offs and non-performing loans increase credit risk and pressure provision expense and capital ratios over time. Continued asset-quality stress can constrain loan growth, raise funding costs and compress margins, weakening durable earnings and limiting strategic initiatives until credit metrics normalize.

Avidia Bancorp, Inc. Business Overview & Revenue Model

Company Description

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. The company also offers commercial and industrial loans, one-to four-family residential mortgage loans, home equity loans and second mortgage loans, multi-family mortgage loans, commercial real estate loans, construction and land loans, and consumer loans, as well as land development, business term, and auto loans. In addition, it provides payments processing services, invests in securities, primarily of U.S. Treasury securities, U.S. Government agency securities, and municipal securities. The company was founded in 1869 and is headquartered in Hudson, Massachusetts.

How the Company Makes Money

Avidia Bancorp generates revenue primarily through interest income and non-interest income. Interest income is derived from the interest earned on loans, including commercial, residential, and consumer loans, as well as interest from investment securities. Non-interest income includes fees from various banking services, such as account maintenance, transaction fees, and wealth management services. The bank also earns income from mortgage origination and servicing. Avidia Bancorp's revenue model is supported by a strong customer base and effective management of interest rate risk, while partnerships with local businesses and community organizations help enhance its service offerings and customer engagement.

Avidia Bancorp, Inc. Financial Statement Overview

Summary

Avidia Bancorp, Inc. demonstrates a stable financial position with some areas of concern. While the company shows operational efficiency and reduced leverage, stagnant revenue and cash flow growth could pose challenges. The balance sheet improvements are a positive sign, but the decline in profitability metrics warrants attention. Overall, the company maintains a moderate financial standing with potential for improvement.

Income Statement

Avidia Bancorp, Inc. shows a moderate income statement performance. The gross profit margin decreased slightly from 66.54% to 61.73%, indicating a reduction in profitability. The net profit margin also declined from 9.98% to 8.41%, reflecting a decrease in net income relative to revenue. However, the company maintained stable EBIT and EBITDA margins, suggesting operational efficiency. Revenue growth was stagnant, which could be a concern for future profitability.

Balance Sheet

The balance sheet of Avidia Bancorp, Inc. indicates a strong equity position with a debt-to-equity ratio improving from 2.37 to 1.82, showing reduced leverage. Return on equity decreased from 6.88% to 5.92%, suggesting a decline in profitability from shareholders' equity. The equity ratio is not provided, but the overall balance sheet shows improved stability with reduced debt levels.

Cash Flow

Cash flow analysis reveals a mixed performance. The free cash flow to net income ratio improved from 80.02% to 88.06%, indicating better cash conversion from earnings. However, the operating cash flow to net income ratio remains low, suggesting potential challenges in converting income to cash. Free cash flow growth was stagnant, which could impact future liquidity.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	147.61M	140.75M	124.65M	88.85M	87.08M
Gross Profit	82.12M	88.50M	82.94M	88.85M	87.08M
EBITDA	-5.68M	18.41M	19.55M	0.00	0.00
Net Income	-3.29M	11.48M	12.44M	8.96M	17.35M
Balance Sheet
Total Assets	2.84B	2.66B	2.60B	2.48B	2.32B
Cash, Cash Equivalents and Short-Term Investments	15.90M	329.37M	318.83M	77.85M	310.70M
Total Debt	287.81M	352.68M	428.54M	323.91M	62.16M
Total Liabilities	2.46B	2.46B	2.42B	2.32B	2.13B
Stockholders Equity	378.99M	193.83M	180.80M	161.17M	183.17M
Cash Flow
Free Cash Flow	0.00	20.45M	12.48M	0.00	0.00
Operating Cash Flow	0.00	23.22M	15.60M	0.00	0.00
Investing Cash Flow	0.00	-71.09M	-111.75M	0.00	0.00
Financing Cash Flow	0.00	39.97M	88.64M	0.00	0.00

Avidia Bancorp, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$57.42M	11.19	8.21%	3.21%	0.32%	37.93%
BOTJ	73 Outperform	$94.14M	10.57	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$87.51M	15.00	5.50%	2.08%	1.03%	-35.72%
AUBN	69 Neutral	$86.47M	12.17	8.22%	4.16%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBC	67 Neutral	$371.41M	-70.26	―	―	―	―
GLBZ	44 Neutral	$13.02M	-441.58	0.09%	―	5.76%	-72.73%

Avidia Bancorp, Inc. Corporate Events

Avidia Bancorp Posts Strong Q4 Profit Despite Annual Loss

On January 29, 2026, Avidia Bancorp, Inc. reported that fourth-quarter 2025 net income rose to $5.3 million, or $0.29 per share, from $3.5 million a year earlier, driven by loan and core deposit growth that expanded net interest margin to 3.54%, improved efficiency to 67.2%, and lifted tangible book value per share to $18.28, even as asset quality metrics reflected higher charge-offs and non-performing loans tied in part to a previously impaired life sciences land loan. For full-year 2025, however, the company posted a net loss of $3.3 million versus $11.5 million in profit in 2024, largely reflecting higher noninterest expenses including a $10 million charitable foundation contribution and elevated compensation-related costs, while balance sheet growth in loans and deposits, strong capital ratios, and the initiation of a first post-IPO quarterly cash dividend of $0.05 per share signaled a strategy of disciplined capital deployment and an effort to enhance shareholder returns.

The most recent analyst rating on (AVBC) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on Avidia Bancorp, Inc. stock, see the AVBC Stock Forecast page.