Avidbank Holdings (AVBH) AI Stock Analysis

• Market Cap: $282.97M
• Dividend Yield: N/A
• Average Volume (3M): 53.00K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.36
• Revenue Growth: 9.26%
• EPS Growth: 60.91%
• Country: US
• Employees: 148
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 10,925,446
• 10 Day Avg. Volume: 27,805
• 30 Day Avg. Volume: 53,000
• PEG Ratio: 0.33
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.09
• P/FCF Ratio: 7.05
• Enterprise Value/Market Cap: 1.13
• Enterprise Value/Revenue: 2.43
• Enterprise Value/Gross Profit: 5.40
• Enterprise Value/Ebitda: 12.72
• 1Y Price Target: $31.25
• Price Target Upside: 19.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 65 Neutral
• Price Target: ―

Avidbank Holdings scores moderately due to solid financial performance and valuation, despite negative revenue growth and bearish technical indicators. The strengths in cash flow and balance sheet management are notable, but the lack of earnings call and corporate events insights limits additional positive influence.

Avidbank Holdings Business Overview & Revenue Model

Company Description

Avidbank Holdings, Inc. (AVBH) is a bank holding company headquartered in the United States, primarily operating through its wholly-owned subsidiary, Avidbank. Avidbank provides a range of financial services and products, catering mainly to businesses, private clients, and the real estate sector. The bank offers a variety of deposit products, commercial loans, equipment financing, and cash management services, tailored to meet the needs of its clientele in various sectors including technology, real estate, and professional services.

How the Company Makes Money

Avidbank Holdings makes money through the interest income generated from its lending activities, which is a primary revenue stream. The company offers commercial loans, real estate loans, and other credit facilities, earning interest on the principal amount lent to its customers. Additionally, Avidbank generates non-interest income from fees associated with its banking services, such as transaction fees, service charges, and wealth management fees. The bank also earns revenue from its equipment financing solutions offered to businesses. Key factors contributing to its earnings include strategic partnerships with sector-specific businesses, efficient risk management practices, and a focus on serving niche markets in the technology and real estate industries.

Avidbank Holdings Financial Statement Overview

Summary

Overall, Avidbank Holdings demonstrates financial resilience with stable profitability and strong cash flow generation, despite facing revenue challenges. The company maintains a solid balance sheet with improved leverage ratios. Continued focus on revenue growth and operational efficiency could enhance future financial performance.

Income Statement

Avidbank Holdings shows a mixed performance in its income statement. The Gross Profit Margin for 2023 was relatively strong, but there was a decline in Total Revenue compared to the previous year, indicating a negative Revenue Growth Rate. The company's Net Profit Margin remains healthy, although the drop in revenue impacts overall profitability. EBIT and EBITDA Margins are stable, pointing to efficient operational management.

Balance Sheet

The balance sheet reflects a solid financial position with a healthy Equity Ratio, indicating strong equity financing. The Debt-to-Equity Ratio improved significantly from the previous year, showing better leverage management. Return on Equity is positive, though slightly affected by the decrease in net income.

Cash Flow

Cash flow analysis reveals robust Free Cash Flow with a positive growth trend. The Operating Cash Flow to Net Income Ratio is strong, indicating efficient cash generation from operations relative to net income. Free Cash Flow to Net Income Ratio is also favorable, highlighting good cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	131.81M	148.45M	67.86M	87.70M	60.20M	53.53M
Gross Profit	59.33M	77.14M	122.33M	87.70M	60.20M	53.53M
EBITDA	25.20M	29.80M	23.97M	936.00K	965.00K	916.00K
Net Income	23.54M	21.02M	16.80M	25.02M	12.26M	9.63M
Balance Sheet
Total Assets	2.39B	2.31B	2.23B	2.14B	2.16B	1.43B
Cash, Cash Equivalents and Short-Term Investments	295.61M	0.00	9.75M	17.43M	493.34M	230.03M
Total Debt	145.00M	214.69M	21.91M	167.64M	37.53M	40.64M
Total Liabilities	2.19B	2.12B	2.07B	2.00B	2.03B	1.30B
Stockholders Equity	204.42M	186.36M	165.31M	137.54M	137.10M	127.92M
Cash Flow
Free Cash Flow	14.90M	22.87M	36.16M	28.26M	-3.79M	14.38M
Operating Cash Flow	14.93M	22.92M	36.33M	28.80M	16.29M	15.32M
Investing Cash Flow	-3.01M	-82.93M	-62.69M	-475.80M	-478.44M	-217.81M
Financing Cash Flow	77.60M	61.31M	60.47M	950.00K	725.46M	279.67M

Avidbank Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.23
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVBH, the sentiment is Positive. The current price of 26.23 is above the 20-day moving average (MA) of 25.28, above the 50-day MA of 23.64, and above the 200-day MA of 22.13, indicating a bullish trend. The MACD of 0.72 indicates Positive momentum. The RSI at 74.60 is Negative, neither overbought nor oversold. The STOCH value of 76.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AVBH.

Avidbank Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESSA	76 Outperform	209.29M	13.30	6.25%	2.91%	5.57%	-16.40%
FUNC	75 Outperform	237.22M	9.98	12.42%	2.29%	11.42%	63.24%
FXNC	71 Outperform	210.62M	23.64	4.59%	2.58%	43.39%	-21.38%
EFSI	69 Neutral	200.54M	17.26	4.40%	3.13%	-1.51%	-26.72%
AVBH	65 Neutral	$282.97M	8.54	12.52%	―	9.26%	60.91%
MYFW	64 Neutral	220.99M	19.78	4.47%	―	0.35%	64.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%