Avidia Bancorp, Inc. (AVBC)
NYSE:AVBC
Want to see AVBC full AI Analyst Report?
Top Page
Avidia Bancorp, Inc.
(NYSE:AVBC)
Select Model
Select Model
Rating:67Neutral
Price Target:
$21.00
▲(24.04% Upside)
Action:Reiterated
Date: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Avidia Bancorp, Inc. (AVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$383.66M
Dividend YieldN/A
Average Volume (3M)57.93K
Price to Earnings (P/E)15.2
Beta (1Y)0.45
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees250
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.75
Shares Outstanding20,076,250
10 Day Avg. Volume59,469
30 Day Avg. Volume57,932
Financial Highlights & Ratios
PEG Ratio0.72
Price to Book (P/B)0.82
Price to Sales (P/S)2.11
P/FCF Ratio0.00
Enterprise Value/Market Cap1.56
Enterprise Value/Revenue3.96
Enterprise Value/Gross Profit5.72
Enterprise Value/Ebitda31.41
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.29
Revenue Forecast (FY)N/A
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...
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 se...
Avidia Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 150.87M | 147.61M | 140.75M | 124.65M | 88.85M | 87.08M |
| Gross Profit | 104.50M | 82.12M | 88.50M | 82.94M | 88.85M | 87.08M |
| EBITDA | 19.01M | -5.68M | 18.41M | 19.55M | 0.00 | 0.00 |
| Net Income | 14.29M | -3.29M | 11.48M | 12.44M | 8.96M | 17.35M |
Balance Sheet | ||||||
| Total Assets | 2.81B | 2.84B | 2.66B | 2.60B | 2.48B | 2.32B |
| Cash, Cash Equivalents and Short-Term Investments | 19.23M | 15.90M | 329.37M | 318.83M | 77.85M | 310.70M |
| Total Debt | 232.85M | 287.81M | 352.68M | 428.54M | 323.91M | 62.16M |
| Total Liabilities | 2.42B | 2.46B | 2.46B | 2.42B | 2.32B | 2.13B |
| Stockholders Equity | 383.16M | 378.99M | 193.83M | 180.80M | 161.17M | 183.17M |
Cash Flow | ||||||
| Free Cash Flow | 27.96M | 0.00 | 20.45M | 12.48M | 0.00 | 0.00 |
| Operating Cash Flow | 30.60M | 0.00 | 23.22M | 15.60M | 0.00 | 0.00 |
| Investing Cash Flow | -66.44M | 0.00 | -71.09M | -111.75M | 0.00 | 0.00 |
| Financing Cash Flow | 98.22M | 0.00 | 39.97M | 88.64M | 0.00 | 0.00 |
Avidia Bancorp, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $103.36M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
77 Outperform | $58.08M | 8.86 | 9.28% | 3.21% | 5.66% | 79.41% | |
73 Outperform | $85.58M | 9.49 | 9.03% | 4.16% | 4.30% | 20.85% | |
72 Outperform | $88.52M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $383.66M | 15.22 | 4.31% | ― | ― | ― | |
51 Neutral | $13.45M | 41.71 | 0.09% | ― | 8.13% | -357.58% |
* Financial Sector Average
AVBC
Avidia Bancorp, Inc.
19.11
4.51
30.88%
AUBN
Auburn National Bancorporation
24.50
4.45
22.22%
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
GLBZ
Glen Burnie Bancorp
4.61
-0.47
-9.35%
HFBL
Home Federal Bancorp Of Louisiana
19.02
6.45
51.28%
FUSB
First US Bancshares
15.90
3.11
24.35%
Avidia Bancorp, Inc. Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Avidia Bancorp Posts Strong Q4 Profit Despite Annual Loss
Neutral
Feb 2, 2026
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%, i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.