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Avidbank Holdings Inc (AVBH)
NASDAQ:AVBH
AVBH Stock Chart & Stats
$28.59
-$0.35(-1.62%)
At close: 4:00 PM EST
$28.59
-$0.35(-1.62%)
Day’s Range― - ―
52-Week Range$19.75 - $31.61
Previous CloseN/A
Volume1.20K
Average Volume (3M)42.69K
Market Cap
$313.08M
Enterprise Value$262.86M
Total Cash (Recent Filing)$10.87M
Total Debt (Recent Filing)$22.00M
Price to Earnings (P/E)8.3
Beta0.50
Next Earnings
Apr 28, 2026EPS Estimate
0.8Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.65
Shares Outstanding10,950,802
10 Day Avg. Volume21,893
30 Day Avg. Volume42,693
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)0.71
Price to Sales (P/S)2.70
P/FCF Ratio0.00
Enterprise Value/Market Cap0.84
Enterprise Value/Revenue3.54
Enterprise Value/Gross Profit10.18
Enterprise Value/Ebitda-7.65
Forecast
1Y Price Target
$33.67Price Target Upside17.77% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.33
Revenue Forecast (FY)$115.01M
Bulls Say, Bears Say
Bulls Say
De-risked Balance SheetA materially lower debt-to-equity (≈0.28x) and a sizable equity base provide a stronger capital cushion vs prior years. This durable improvement reduces refinancing and liquidity risk, supports regulatory flexibility, and allows the bank to fund loan growth without overreliance on wholesale borrowing.
Sustained Loan And Core Deposit GrowthBroad-based, double-digit loan growth and rising core deposits (including a $44M increase in noninterest-bearing balances) strengthen funding stability and net interest income potential. Sustained 10–15% growth guidance implies lasting scale benefits to margins and operational leverage over the medium term.
Improving Margin Through Asset RepricingNIM expansion and a higher-yielding investment book (new AFS purchases and overall AFS yield ~4.61%) represent structural enhancement to earning asset yields. With management targeting mid‑4% NIM and ongoing portfolio repricing, margin improvement appears driven by durable asset mix changes rather than one-off items.
Bears Say
Severe Cash Flow DeteriorationA drop to $0 operating and free cash flow in 2025 is a material deterioration in cash conversion versus prior years. This undermines the bank's self-funded growth capacity, limits flexibility for capital actions or subordinated debt repayment, and raises persistent questions about the sustainability of reported earnings.
Earnings Quality & One-time VolatilityLarge one-time securities losses and a disconnect between positive net income and weakened operating profitability indicate volatile, lower-quality earnings. Reliance on adjusted metrics masks recurring operating pressures, making future earnings less predictable and complicating assessment of core franchise profitability over the medium term.
Rising Credit Stress In Select LoansConcentration in construction and sponsor finance has produced rising NPAs and elevated Q4 charge-offs and provisions. A single sizable troubled exposure plus pockets of downgrades increase credit expense volatility and can pressure capital and earnings if collateral values or local market conditions deteriorate further.
Avidbank Holdings News
AVBH FAQ
What was Avidbank Holdings Inc’s price range in the past 12 months?
Avidbank Holdings Inc lowest stock price was $19.75 and its highest was $31.61 in the past 12 months.
What is Avidbank Holdings Inc’s market cap?
Avidbank Holdings Inc’s market cap is $313.08M.
When is Avidbank Holdings Inc’s upcoming earnings report date?
Avidbank Holdings Inc’s upcoming earnings report date is Apr 28, 2026 which is in 52 days.
How were Avidbank Holdings Inc’s earnings last quarter?
Avidbank Holdings Inc released its earnings results on Jan 29, 2026. The company reported $0.65 earnings per share for the quarter, missing the consensus estimate of $0.753 by -$0.103.
Is Avidbank Holdings Inc overvalued?
According to Wall Street analysts Avidbank Holdings Inc’s price is currently Undervalued.
Does Avidbank Holdings Inc pay dividends?
Avidbank Holdings Inc does not currently pay dividends.
What is Avidbank Holdings Inc’s EPS estimate?
Avidbank Holdings Inc’s EPS estimate is 0.8.
How many shares outstanding does Avidbank Holdings Inc have?
Avidbank Holdings Inc has 10,950,802 shares outstanding.
What happened to Avidbank Holdings Inc’s price movement after its last earnings report?
Avidbank Holdings Inc reported an EPS of $0.65 in its last earnings report, missing expectations of $0.753. Following the earnings report the stock price went up 5.473%.
Which hedge fund is a major shareholder of Avidbank Holdings Inc?
Currently, no hedge funds are holding shares in AVBH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Avidbank Holdings Stock Smart Score
Neutral
1
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4
5
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7
8
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10
Analyst Consensus
Strong Buy
Average Price Target:
$33.67 (17.77% Upside)
$33.67 (17.77% Upside)
Hedge Fund Trend
Increased
By 74.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
29.34%
12-Months-Change
Fundamentals
Return on Equity
-8.68%
Trailing 12-Months
Asset Growth
4.60%
Trailing 12-Months
Company Description
Avidbank Holdings Inc
Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprises working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, it offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC real estate secured loans. Further, the company provides various financing solutions, such as structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, it offers various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Furthermore, the company offers online and mobile banking services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.
AVBH Company Deck
AVBH Earnings Call
Q4 2026
0:00 / 0:00
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.View all AVBH earnings summariesAVBH Stock 12 Month Forecast
Average Price Target
$33.67
▲(17.77% Upside)
Technical Analysis
First Bancorp
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Northeast Community Bancorp
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Waterstone Financial
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Citizens Financial Services
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John Marshall Bancorp
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Ownership Overview
18.58% Insiders
7.32% Mutual Funds
42.46% Other Institutional Investors
29.11% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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