AVBC Avidia Bancorp, Inc. Common Stock
$20.27
Price · Jun 25, 2026
Fundamentals as of May 14, 2026
52W Range
$14–$21
84% of range
Analyst Rating
BUY
7 analysts
Price Target
$24
+18% upside
P/E (TTM)
-93.4
ROE
-1.1%
Net Profit Margin
-3.2%
AVBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$20.27
Market Cap
$337M
P/E (TTM)
-93.4
EPS (TTM)
$-0.18
Revenue (TTM)
—
Div Yield
—
ROE
-1.1%
Debt/Equity
—
52W Range
$14 – $21
AVBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$-0.18
2025-12-31
→
2025-12-31
Free Cash Flow
$24M
2025-12-31
→
2025-12-31
Margins
-3.2%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
AVBC
Peer Median
P/E (TTM)
-93.4
11.6
P/S (TTM)
3.3
2.1
P/B
0.9
0.9
Price / FCF
14.0
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
AVBC
Peer Median
Net Profit Margin
-3.2%
33.7%
ROA
-0.12%
0.90%
ROE
-1.1%
9.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
AVBC
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
AVBC
Peer Median
Revenue YoY
14.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
AVBC
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 19, 2026 | $0.0500 |
| Feb. 17, 2026 | $0.0500 |
AVBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
7 analysts
- Strong Buy 2 28.6%
- Buy 4 57.1%
- Hold 1 14.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
1 analysts · 2026-06-27
Low
$24.00
High
$24.00
Median target
$24.00
+18.4%
Mean target
$24.00
+18.4%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.00%
Next Report
Jul 28, 2026
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $0.32 | $0.31 | 0.01% |
| Dec. 31, 2025 | $0.29 | $0.31 | -0.02% |
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | — |
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | — |
| CBAN | $379M | 11.2 | 14.5% | 21.4% | 8.4% | — |
| WTBA | $376M | 11.6 | 19.4% | 34.2% | 12.8% | — |
| ISTR | $262M | 12.5 | 7.5% | 25.4% | 8.2% | — |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | — |
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | — |
| PLBC | $311M | 9.8 | — | 30.1% | 13.0% | — |
| PCB | $308M | 8.4 | 4.5% | 1291.9% | 9.8% | — |
| FRST | $344M | 5.6 | 51.9% | 27.5% | 15.9% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 8
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Interest Income | $131M | $124M | |
| Pretax Income | $-6M | $15M | |
| Income Tax | $-2M | $4M | |
| Net Income | $-3M | $11M | |
| EPS (Basic) | $-0.18 | · | |
| EPS (Diluted) | $-0.18 | · | |
| Shares (Basic) | 18,530,509 | · | |
| Shares (Diluted) | 18,530,509 | · |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Cash & Equivalents | $145M | $62M | |
| Short-term Investments | $130M | $47M | |
| PP&E (Net) | $29M | $28M | |
| PP&E (Gross) | $53M | $63M | |
| Accum. Depreciation | $24M | $35M | |
| Goodwill | $12M | $12M | |
| Total Assets | $2.84B | $2.66B | |
| Total Liabilities | $2.46B | $2.46B | |
| Common Stock | $201.0K | $0 | |
| Paid-in Capital | $195M | $0 | |
| Retained Earnings | $212M | $215M | |
| AOCI | $-13M | $-21M | |
| Stockholders' Equity | $379M | $194M | |
| Liabilities + Equity | $2.84B | $2.66B | |
| Shares Outstanding | 20,076,250 | 0 |
Cash Flow 10
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| D&A | $3M | $3M | |
| Deferred Tax | $-3M | $-543.0K | |
| Operating Cash Flow | $28M | $23M | |
| CapEx | $4M | $3M | |
| Investing Cash Flow | $-112M | $-71M | |
| Stock Issued | $186M | $0 | |
| Net Stock Activity | $186M | · | |
| Financing Cash Flow | $166M | $40M | |
| Taxes Paid | $3M | $4M | |
| Free Cash Flow | $24M | · |
Profitability 4
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Net Margin | -3.2% | · | |
| Pretax Margin | -5.5% | · | |
| ROA | -0.12% | · | |
| ROE | -1.1% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Asset Turnover | 0.0 | · |
Growth Rates 1
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Revenue YoY | 14.7% | · |
Valuation (TTM) 10
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Revenue TTM | $104M | · | |
| Net Income TTM | $-3M | · | |
| Market Cap | $337M | · | |
| P/E | -93.4 | · | |
| P/S | 3.3 | · | |
| P/B | 0.9 | · | |
| P / Tangible Book | 0.9 | · | |
| P / Cash Flow | 11.9 | · | |
| P / FCF | 14.0 | · | |
| Earnings Yield | -1.1% | · |
Income Statement 8
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| Interest Income | $34M | $34M | $34M | $32M | $31M | $31M | |
| Pretax Income | $8M | $8M | $-2M | $5M | $-17M | $5M | |
| Income Tax | $2M | $2M | $-1M | $1M | $-5M | $1M | |
| Net Income | $6M | $5M | $-907.0K | $4M | $-12M | $4M | |
| EPS (Basic) | $0.32 | $0.29 | $-0.05 | · | · | · | |
| EPS (Diluted) | $0.32 | $0.29 | $-0.05 | · | · | · | |
| Shares (Basic) | 18,557,370 | 10,060 | 18,520,449 | · | · | · | |
| Shares (Diluted) | 18,557,370 | 10,060 | 18,520,449 | · | · | · |
Balance Sheet 15
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $93M | $145M | $112M | $309M | · | $62M | |
| Short-term Investments | $74M | $130M | $96M | $284M | · | $47M | |
| PP&E (Net) | $29M | $29M | $29M | $29M | $29M | $28M | |
| PP&E (Gross) | · | $53M | · | · | · | $63M | |
| Accum. Depreciation | · | $24M | · | · | · | $35M | |
| Goodwill | $12M | $12M | $12M | $12M | $12M | $12M | |
| Total Assets | $2.81B | $2.84B | $2.79B | $2.96B | $2.71B | $2.66B | |
| Total Liabilities | $2.42B | $2.46B | $2.41B | $2.77B | $2.52B | $2.46B | |
| Common Stock | $201.0K | $201.0K | $201.0K | · | · | $0 | |
| Paid-in Capital | $195M | $195M | $195M | · | · | $0 | |
| Retained Earnings | $217M | $212M | $207M | $208M | $204M | $215M | |
| AOCI | $-14M | $-13M | $-14M | $-16M | $-18M | $-21M | |
| Stockholders' Equity | $384M | $379M | $372M | $191M | $186M | $194M | |
| Liabilities + Equity | $2.81B | $2.84B | $2.79B | $2.96B | $2.71B | $2.66B | |
| Shares Outstanding | 20,076,250 | 20,076,250 | 20,076,250 | · | · | 0 |
Cash Flow 9
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| D&A | $676.0K | $647.0K | $633.0K | $618.0K | $658.0K | $667.0K | |
| Operating Cash Flow | $8M | $9M | $24M | $-2M | $-2M | $20M | |
| CapEx | $652.0K | $795.0K | $871.0K | $967.0K | $2M | $729.0K | |
| Investing Cash Flow | $-23M | $-24M | $-27M | $-15M | $-45M | $7M | |
| Stock Issued | · | $-368.0K | · | · | · | · | |
| Dividends Paid | $1M | · | · | · | · | · | |
| Financing Cash Flow | $-38M | $48M | $-193M | $243M | $68M | $-23M | |
| Taxes Paid | $71.0K | $493.0K | $77.0K | $2M | $418.0K | $1M | |
| Free Cash Flow | $8M | · | · | · | $-4M | · |
Profitability 4
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| Net Margin | 21.2% | · | -3.2% | 15.0% | -50.5% | · | |
| Pretax Margin | 29.0% | · | -7.0% | 19.4% | -72.0% | · | |
| ROA | 0.22% | · | -0.07% | 0.26% | -0.86% | · | |
| ROE | 2.1% | · | -0.49% | 4.0% | -12.5% | · |
Efficiency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · |
Valuation (TTM) 9
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $105M | · | $100M | $93M | $91M | · | |
| Net Income TTM | $-3M | · | $-7M | $-3M | $-4M | · | |
| Market Cap | $395M | · | $300M | · | · | · | |
| P/S | 3.8 | · | 3.0 | · | · | · | |
| P/B | 1.0 | · | 0.8 | · | · | · | |
| P / Tangible Book | 1.1 | · | 0.8 | · | · | · | |
| P / Cash Flow | 47.1 | · | · | · | · | · | |
| P / FCF | 51.1 | · | · | · | · | · | |
| Payout Ratio | 16.7% | · | · | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | |
|---|---|---|
| Net Income | $-3M | $11M |
| Diluted EPS | $-0.18 | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | |
|---|---|---|
| Free Cash Flow | $24M | — |
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