Avidbank Holdings Inc (AVBH)
NASDAQ:AVBH
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Avidbank Holdings
(NASDAQ:AVBH)
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Rating:57Neutral
Price Target:
$29.00
▲(3.76% Upside)
Action:ReiteratedDate:03/13/26
Overall score is held back primarily by financial-performance quality concerns (2025 operating volatility and the drop-off in reported cash flow) and weak technical momentum. These are partly offset by an attractive P/E valuation and a generally positive earnings-call outlook for continued growth and stable-to-improving margins, though credit and expense headwinds remain key risks.
Positive Factors
Improved leverage and capital base
A materially lower debt-to-equity (~0.28x) and a sizable equity base strengthen loss-absorption capacity and regulatory flexibility. This durable balance-sheet repair reduces refinancing and solvency risk, enabling the bank to fund organic loan growth and absorb cyclical credit stress over the next 2–6 months.
Negative Factors
Deteriorated cash generation
A sudden collapse in reported operating and free cash flow undermines confidence in cash earnings power and reduces internal funding flexibility. Without reliably positive cash conversion, the bank may face constraints for capital deployment, dividend support, or absorbing credit losses, increasing reliance on external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital base
A materially lower debt-to-equity (~0.28x) and a sizable equity base strengthen loss-absorption capacity and regulatory flexibility. This durable balance-sheet repair reduces refinancing and solvency risk, enabling the bank to fund organic loan growth and absorb cyclical credit stress over the next 2–6 months.
Read all positive factors
Avidbank Holdings (AVBH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$306.39M
Dividend YieldN/A
Average Volume (3M)42.69K
Price to Earnings (P/E)7.2
Beta (1Y)0.53
Revenue Growth-38.93%
EPS Growth-187.52%
CountryUS
Employees148
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.65
Shares Outstanding10,981,767
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/Revenue3.46
Enterprise Value/Gross Profit9.95
Enterprise Value/Ebitda-7.48
Forecast
1Y Price Target
$33.67Price Target Upside20.47% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)3.33
Revenue Forecast (FY)$115.01M
Avidbank Holdings Business Overview & Revenue Model
Company Description
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. ...
How the Company Makes Money
Avidbank Holdings makes money primarily through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income, minus operating costs and credit losses. Net interest income is typically the largest driver: the bank...
Avidbank Holdings Earnings Call Summary
Earnings Call Date:Jan 29, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 28, 2026
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.Positive Updates
Strong Loan Growth
Loans increased $190 million in Q4 and $283 million for the year, representing a 15% annualized growth rate; growth was broad-based across verticals except construction and led by sponsor finance and corporate banking.
Negative Updates
Increase in Nonperforming Assets / Nonaccrual Loans
NPAs rose due to two construction loans and one sponsor finance loan; one $3.7 million construction loan was paid off, but a $16 million multiunit mixed-use construction loan in Palo Alto remains on the books and may be nonperforming for 4–6 months. Management believes loans are well collateralized.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Loan Growth
Loans increased $190 million in Q4 and $283 million for the year, representing a 15% annualized growth rate; growth was broad-based across verticals except construction and led by sponsor finance and corporate banking.
Read all positive updates
Company Guidance
The company guided to continued double‑digit growth, targeting 10–15% loan and deposit growth in 2026 after Q4 loan increases of $190M (/$283M for the year, a 15% annualized rate) and deposit increases of $92M (/$241M for the year, 13%); Q4 metrics included net income $6.9M ($0.65/share), adjusted FY net income $24.9M ($2.80), pre‑provision net revenue $12.9M, net interest income $25M, and a Q4 NIM of 4.13% (about 4.25% normalized absent a $726k interest reversal that reduced NIM ~12 bps). Management expects NIM to hold around the mid‑4% area (4.25%–4.30% possible), a 2026 tax rate near 28.5%, and to address subordinated debt in 2026; balance‑sheet items include interest‑bearing deposit spot rate of 2.91%, an 80% deposit beta in Q4 (with ~60% beta hoped for on non‑indexed balances after cuts), $44M increase in average noninterest‑bearing deposits, $218M AFS securities yielding 4.61% after a $62M purchase at 4.48%, $240M of loans on floors (≈60% maturing in 2026), a Q4 provision of $2.8M, Q4 charge‑offs 30 bps (7 bps for 2025), and anticipated operating expense run‑rate north of $14M (adjusted efficiency ratio improved to 51.72%).Avidbank Holdings Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
72
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 74.20M | 77.14M | 67.86M | 75.24M | 52.77M |
| Gross Profit | 25.81M | 77.14M | 67.86M | 75.24M | 52.77M |
| EBITDA | -34.36M | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 23.98M | 21.02M | 16.80M | 25.02M | 12.26M |
Balance Sheet | |||||
| Total Assets | 2.57B | 2.31B | 2.24B | 2.14B | 2.16B |
| Cash, Cash Equivalents and Short-Term Investments | 10.87M | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Debt | 22.00M | 214.69M | 392.33M | 167.64M | 37.53M |
| Total Liabilities | 2.29B | 2.12B | 2.07B | 2.00B | 2.03B |
| Stockholders Equity | 280.98M | 186.36M | 165.31M | 137.54M | 137.10M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 22.64M | 36.16M | 28.12M | 16.21M |
| Operating Cash Flow | 0.00 | 22.69M | 36.33M | 28.66M | 16.29M |
| Investing Cash Flow | 0.00 | -82.70M | -62.69M | -475.66M | -478.44M |
| Financing Cash Flow | -82.70M | 61.31M | 60.47M | 950.00K | 725.46M |
Avidbank Holdings Technical Analysis
Positive
27.95
Price Trends
28.49
Negative
27.33
Positive
25.41
Positive
Market Momentum
-0.40
Negative
48.64
Neutral
54.18
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 27.95 is below the 20-day moving average (MA) of 27.97, below the 50-day MA of 28.49, and above the 200-day MA of 25.41, indicating a neutral trend. The MACD of -0.40 indicates Negative momentum. The RSI at 48.64 is Neutral, neither overbought nor oversold. The STOCH value of 54.18 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $328.28M | 6.95 | 13.07% | 4.11% | -0.72% | -7.24% | |
71 Outperform | $289.35M | 7.48 | 11.36% | 3.38% | 2.16% | 24.43% | |
70 Outperform | $316.02M | 8.51 | 12.70% | 5.24% | 10.46% | 18.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $286.26M | 13.36 | 7.97% | 1.48% | 2.59% | 18.83% | |
62 Neutral | $335.99M | 11.18 | 7.67% | 3.59% | -0.09% | 83.67% | |
57 Neutral | $306.39M | 7.20 | -8.68% | ― | -38.93% | -187.52% |
* Financial Sector Average
AVBH
Avidbank Holdings
27.90
5.16
22.69%
FNLC
First Bancorp
28.04
4.27
17.98%
NECB
Northeast Community Bancorp
23.73
1.22
5.42%
WSBF
Waterstone Financial
18.30
5.22
39.90%
CZFS
Citizens Financial Services
60.19
3.45
6.09%
JMSB
John Marshall Bancorp
20.14
3.21
18.95%
Avidbank Holdings Corporate Events
Business Operations and StrategyExecutive/Board Changes
Avidbank Adds Veteran Finance Leader to Board
Positive
Mar 13, 2026
On March 9, 2026, Avidbank Holdings, Inc. appointed veteran finance executive Keith F. Jensen to its board of directors and to the board of its banking subsidiary, filling an existing vacancy and bringing total board membership to ten. Jensen, dee...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Avidbank Holdings rebounds with stronger fourth-quarter 2025 results
Positive
Jan 29, 2026
On January 29, 2026, Avidbank Holdings reported a strong rebound in quarterly performance, posting net income of $6.9 million, or $0.65 per diluted share, for the fourth quarter of 2025, after a $37.7 million loss in the third quarter tied to a ma...
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.