Avidia Bancorp, Inc. (AVBC) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 133.17K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.64
• 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: 56,465
• 30 Day Avg. Volume: 133,167
• PEG Ratio: -3.17
• Price to Book (P/B): 1.52
• Price to Sales (P/S): 2.15
• P/FCF Ratio: 14.37
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: $16.00 ▲(6.03% Upside)

Avidia Bancorp, Inc. receives an overall score of 59, reflecting a moderate financial performance with stable operational efficiency and reduced leverage. However, stagnant revenue and cash flow growth, along with declining profitability, are concerns. Technical analysis shows mixed signals, and the absence of valuation metrics limits a comprehensive assessment. The lack of earnings call and corporate events data further constrains the analysis.

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 operational efficiency and reduced leverage. However, stagnant revenue and cash flow growth, along with declining profitability metrics, pose challenges. The balance sheet improvements are a positive sign, but 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	70.26M	136.52M	124.65M	88.85M	87.08M	72.97M
Gross Profit	28.50M	84.27M	82.94M	88.85M	87.08M	72.97M
EBITDA	-9.97M	18.41M	19.55M	0.00	0.00	0.00
Net Income	-7.71M	11.48M	12.44M	8.96M	17.35M	11.69M
Balance Sheet
Total Assets	2.96B	2.66B	2.60B	2.48B	2.32B	2.02B
Cash, Cash Equivalents and Short-Term Investments	481.06M	329.37M	318.83M	0.00	0.00	0.00
Total Debt	287.74M	352.68M	428.54M	323.91M	62.16M	44.85M
Total Liabilities	2.77B	2.46B	2.42B	2.32B	2.13B	1.85B
Stockholders Equity	191.43M	193.83M	180.80M	161.17M	183.17M	172.26M
Cash Flow
Free Cash Flow	-7.19M	20.45M	12.48M	0.00	0.00	0.00
Operating Cash Flow	-4.57M	23.22M	15.60M	0.00	0.00	0.00
Investing Cash Flow	-60.56M	-71.09M	-111.75M	0.00	0.00	0.00
Financing Cash Flow	311.27M	39.97M	88.64M	0.00	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	$48.61M	10.75	8.21%	3.39%	0.32%	37.93%
BOTJ	75 Outperform	$77.55M	9.75	10.86%	2.34%	6.17%	-6.13%
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.19%	24.17%	739.42%
FUSB	70 Outperform	$74.36M	13.91	5.50%	2.07%	1.03%	-35.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBC	59 Neutral	―	―	―	―	―	―
GLBZ	46 Neutral	$13.60M	521.11	0.09%	―	5.76%	-72.73%

Avidia Bancorp, Inc. Corporate Events

Avidia Bancorp Appoints Michael Gilles to Board

On September 25, 2025, Avidia Bancorp, Inc. appointed Michael O. Gilles to its Board of Directors, as well as to the Board of Directors of its subsidiary, Avidia Bank. Mr. Gilles, a seasoned financial services executive with over 45 years of community banking experience, will also serve on the Audit Committee. His appointment is expected to bring valuable financial expertise and insights as Avidia transitions to a public company. Mr. Gilles’ extensive background in financial management, internal controls, and risk management is anticipated to strengthen the company’s strategic direction and operational effectiveness.