your badges 52W Range $24–$34 71% of range Analyst Rating BUY 10 analysts Price Target $39 +24% upside P/E -13.9 ROE -8.1% Net Profit Margin -63.2%

AVBH Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $31.26
Market Cap (MRQ) $343M
P/E -13.9
EPS $-2.25
ROE -8.1%
Debt/Equity (MRQ) 0.0
52W Range $24–$34

AVBH 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

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EPS$-2.25
2024-12-31 → 2025-12-31
Free Cash Flow$39M
2025-12-31 → 2025-12-31
Net margin-63.2%
2025-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend AVBH 5Y avg Peer Median Verdict
P/E -13.9 · · ·
P/B (MRQ) 1.2 · 1.1 Fair value
EV / EBITDA 218.6 · · ·
Price / FCF (TTM) 6.5 · · ·
Price / Cash Flow (TTM) 6.5 · 8.3 Undervalued
EV / FCF 6.4 · · ·
Price / Tangible Book 1.2 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise 33.7%
Next Report Oct 20, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 24, 2026 $0.76 $0.84 -9.7%
March 31, 2026 $0.84 $0.82 2.8%
Dec. 31, 2025 $0.65 $0.77 -15.5%
Sept. 30, 2025 $0.72 $-0.49 246.9%
June 30, 2025 $0.75 $0.77 -2.0%
March 31, 2025 $0.65 $0.77 -15.5%
Dec. 31, 2024 $0.84 $0.65 28.8%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 9
Metric Trend 20252024
Interest Income $146M$142M
Pretax Income $-27M$30M
Income Tax $-7M$9M
Net Income $-20M$21M
EPS (Basic) $-2.25$2.83
EPS (Diluted) $-2.25$2.76
Shares (Basic) 8,702,4687,426,096
Shares (Diluted) 8,702,4687,604,442
EBITDA $1M·
Balance Sheet 14
Metric Trend 20252024
Cash & Equivalents $155M$83M
PP&E (Net) $2M$2M
PP&E (Gross) $8M$8M
Accum. Depreciation $6M$6M
Total Assets $2.57B$2.30B
Short-term Debt $60M$185M
Total Liabilities $2.29B$2.12B
Total Debt $60M·
Common Stock $170M$107M
Retained Earnings $111M$131M
AOCI $-161.0K$-51M
Stockholders' Equity $281M$186M
Liabilities + Equity $2.57B$2.30B
Shares Outstanding 10,947,9677,906,761
Cash Flow 11
Metric Trend 20252024
D&A $1M$2M
Stock-based Comp $3M$3M
Deferred Tax $7M$348.0K
Other Non-cash $47M·
Operating Cash Flow $39M$23M
CapEx $93.0K$47.0K
Investing Cash Flow $-197M$-83M
Financing Cash Flow $230M$61M
Net Change in Cash $72M$1M
Taxes Paid $4M$7M
Free Cash Flow $39M·
Profitability 5
Metric Trend 20252024
Net Margin -63.2%·
Pretax Margin -87.2%·
EBITDA Margin 3.7%·
ROA -0.80%·
ROE -8.1%·
Liquidity & Solvency 1
Metric Trend 20252024
Debt / Equity 0.2·
Efficiency 1
Metric Trend 20252024
Asset Turnover 0.0·
Per Share 5
Metric Trend 20252024
Book Value / Share $25.66·
Revenue / Share $3.55·
Cash Flow / Share $4.49·
Cash / Share $14.12·
EPS (TTM) $-2.25·
Growth Rates 1
Metric Trend 20252024
Revenue YoY -61.9%·
Valuation (TTM) 11
Metric Trend 20252024
Net Income TTM $-20M·
Market Cap $291M·
Enterprise Value $196M·
P/E -11.8·
P/B 1.0·
P / Tangible Book 1.0·
P / Cash Flow 7.4·
P / FCF 7.5·
EV / EBITDA 173.2·
EV / FCF 5.0·
Earnings Yield -8.5%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-31
Net Income $-20M $21M
Diluted EPS $-2.25 $2.76

Institutional owners (13F) 93 filers · $300.2M total · As of June 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 93
Value held $300.2M
New positions 14
Exited positions 9
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
14 (-19 vs prior Q) 9 (+2 vs prior Q) 43 (+20 vs prior Q) 22 (0 vs prior Q) +636K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
Patriot Financial Partners GP II, L.P. $34,711,822 1,050,918 11.56% Shares
ALLIANCEBERNSTEIN L.P. $25,177,499 883,421 8.39% Shares
Fourthstone LLC $23,148,019 700,818 7.71% Shares
BANC FUNDS CO LLC $22,067,343 668,100 7.35% Shares
ENDEAVOUR CAPITAL ADVISORS INC $21,757,026 658,705 7.25% Shares
BlackRock, Inc. $19,530,111 591,284 6.51% Shares
ADAGE CAPITAL PARTNERS GP, L.L.C. $16,288,381 493,139 5.43% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $12,312,131 372,756 4.10% Shares
VANGUARD CAPITAL MANAGEMENT LLC $11,988,272 362,951 3.99% Shares
WELLINGTON MANAGEMENT GROUP LLP $10,187,740 308,439 3.39% Shares
First Eagle Investment Management, LLC $9,381,841 284,040 3.13% Shares
TWO SIGMA INVESTMENTS, LP $8,663,769 262,300 2.89% Shares
GEODE CAPITAL MANAGEMENT, LLC $7,072,390 214,083 2.36% Shares
MENDON CAPITAL ADVISORS CORP $6,304,039 190,858 2.10% Shares
Curi Capital, LLC $5,989,892 181,347 2.00% Shares
VANGUARD GROUP INC $5,860,650 220,657 1.95% Shares
STATE STREET CORP $4,539,049 137,422 1.51% Shares
MORGAN STANLEY $4,201,118 127,191 1.40% Shares
EJF Capital LP $3,611,831 109,350 1.20% Shares
FRANKLIN RESOURCES INC $3,581,740 108,439 1.19% Shares
CITADEL ADVISORS LLC $2,802,034 84,833 0.93% Shares
UBS Group AG $2,668,097 80,778 0.89% Shares
MALTESE CAPITAL MANAGEMENT LLC $2,642,400 80,000 0.88% Shares
JACOBS ASSET MANAGEMENT, LLC $2,375,352 71,915 0.79% Shares
NORTHERN TRUST CORP $2,232,795 67,599 0.74% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $2,056,679 62,267 0.69% Shares
Elizabeth Park Capital Advisors, Ltd. $2,033,030 61,551 0.68% Shares
Qube Research & Technologies Ltd $1,975,128 59,798 0.66% Shares
JPMORGAN CHASE & CO $1,919,198 58,709 0.64% Shares
VANGUARD FIDUCIARY TRUST CO $1,636,174 49,536 0.55% Shares
BNP PARIBAS FINANCIAL MARKETS $1,526,581 46,218 0.51% Shares
Composition Wealth, LLC $1,459,926 44,200 0.49% Shares
GOLDMAN SACHS GROUP INC $1,412,363 42,760 0.47% Shares
Point72 Asset Management, L.P. $1,232,184 37,305 0.41% Shares
Trexquant Investment LP $1,147,396 34,738 0.38% Shares
Focus Partners Wealth $1,101,088 33,336 0.37% Shares
Voleon Capital Management LP $912,586 27,629 0.30% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $857,162 25,951 0.29% Shares
Bank of New York Mellon Corp $778,055 23,556 0.26% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $676,124 20,470 0.23% Shares
AMERICAN CENTURY COMPANIES INC $624,829 18,917 0.21% Shares
MILLENNIUM MANAGEMENT LLC $534,293 16,176 0.18% Shares
TWO SIGMA ADVISERS, LP $520,576 19,600 0.17% Shares
XTX Topco Ltd $518,934 15,711 0.17% Shares
STATE OF WISCONSIN INVESTMENT BOARD $504,764 15,282 0.17% Shares
Squarepoint Ops LLC $438,837 13,286 0.15% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $438,308 13,270 0.15% Shares
BANK OF AMERICA CORP /DE/ $434,576 13,157 0.14% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $412,875 12,500 0.14% Shares
HighTower Advisors, LLC $410,959 12,442 0.14% Shares

Show all 93 institutional owners →

Activists & 5%+ owners 1 position

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Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Patriot Financial Partners IV, L.P., Patriot Financial Partners Parallel IV, L.P., Patriot Financial Partners GP IV, L.P., Patriot Financial Partners GP IV, LLC, WYCOFF W KIRK, Deutsch James F. Aug. 12, 2025 10.00% Initial filing Passive investment SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 19 insiders · 9 officers · 11 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Mark Daniel Mordell Pres., CEO Feb. 24, 2026 D 236,387 0 0 $0
Patrick Timothy Oakes EVP, CFO Feb. 24, 2026 D 38,688 0 0 $0
Jonathan Michael Dale PRESIDENT Sept. 15, 2026 A 15,625 0 0 $0
Gina N. Thoma EVP, COO Feb. 24, 2026 D 35,447 0 0 $0
Arthur Wasson EVP, Chief Revenue Officer Aug. 14, 2026 S 10,451 0 1 $-331,400
Victor Francesco E. Demarco EVP, Chief Legal Counsel, Secy Feb. 24, 2026 D 16,440 0 0 $0
Tami Laura Benedict EVP, Chief of Staff Feb. 24, 2026 D 25,283 0 0 $0
Elisabeth Foussianes EVP, Chief Credit Officer Feb. 14, 2026 D 7,975 0 0 $0
Geoffrey Evan Butner EVP, Chief Credit Officer Oct. 24, 2025 A 34,347 0 0 $0
Mike Rosinus Director Sept. 9, 2026 S 16,680 0 21 $-5,814,291
Bryan C. Polster Director May 19, 2026 A 64,964 0 0 $0
Linda Rae Morris Director May 19, 2026 A 4,000 0 0 $0
Diane J. Flynn Director May 19, 2026 A 13,645 0 0 $0
Kristofer W. Biorn Director May 19, 2026 A 3,000 0 0 $0
James F. Deutsch Director May 19, 2026 A 4,500 0 0 $0
Keith Jensen Director May 19, 2026 A 1,500 0 0 $0
Robert H Scott Director May 19, 2026 A 15,199 0 0 $0
Marc J Verissimo Director May 19, 2026 A 19,444 0 0 $0
Lisa B. Hendrickson Director Aug. 7, 2025 P 2,000 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 10 ETFs

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Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.07% 31,521 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 8,071 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 53,334 SH Aug. 19, 2026 Daily
RSSL · Global X Funds 0.01% 4,410 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.01% 203,516 SH Sept. 11, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 600 SH Oct. 2, 2026 Daily
VXF · VANGUARD INDEX FUNDS 0.00% 82,562 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 276,746 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 862 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 85,883 SH Sept. 11, 2026 Daily

AVBH Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

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rating · 10 analysts BUY
Median target $39.00 +24.8%
3 30.0% Strong Buy
6 60.0% Buy
1 10.0% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

5 analysts · 2026-10-02

Mean target $38.80 +24.1%

← Below all targets Current price $31.26
Low$37.00 Mean$38.80 High$40.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

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FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
AVBH $291M -11.8 -61.9% -63.2% -8.1% ·
CARE $434M 14.2 4.7% 154.4% 7.6% ·
TSBK $263M 9.1 9.6% 35.3% 11.3% ·
FSBW $309M 9.6 44.8% 21.8% 11.0% ·
BCML $320M 13.5 3.1% 23.8% 7.1% ·
JMSB · 13.4 17.5% 33.9% 8.2% ·

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Source: SEC 10-Q filed Aug 12, 2026