AVBC Financial Services

Avidia Bancorp, Inc.

$22.99-2.63%

Price as of close on Nov 3, 2026 · Financials updated Nov 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 407.8M USD
Full-time employees: 241

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #542 of 791 banks & insurance companies (bottom 32%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Earnings turned from a loss to a profit. Profit per share this year after a loss last year.
Avidia Bancorp made a profit per share in its latest year after a loss the year before.
Valuation signals disagree. Cheaper than 56% of peers on book value, but only 14% on earnings.
Relative to its book value, Avidia Bancorp looks cheaper than 56% of peers; relative to its earnings, cheaper than only 14%. The valuation score blends the two, so look at which measure fits this business best.

StockQuotient Score

43/ 100

Oct 5 44 → Nov 4 43 (-1)

Valuation

Is the price right?

23/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield84.8%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.19Sector median: 0.7950 · MAD: 0.2843

Earnings yield3.8%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -1.61Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.5%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

89/100

Strong

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growthUnavailable

Earnings per share turned from a loss to a profit100% base weight · Z-score 3.65Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growthUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth17.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

17/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.87Sector median: 0.0117 · MAD: 0.0062

Return on equity4.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.60Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Avidia Bancorp

Is Avidia Bancorp getting weaker?: Its latest SEC filing (Aug 13, 2026) showed no major changes. Its overall score is unchanged at 43/100 since Oct 28, 2026.
How is Avidia Bancorp valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 23/100 against 950 banks & insurance peers. Earnings yield 3.8% vs a peer median of 7.9% (weaker than 86% of peers).Earnings yield 3.8% vs peers 7.9% (weaker than 86% of peers).
Is Avidia Bancorp growing?: Yes, faster than most of its peers. Growth scores 89/100 against 950 banks & insurance peers.
How profitable is Avidia Bancorp?: Less profitable than most of its peers. Profitability scores 17/100 against 950 banks & insurance peers. Return on equity 4.5% vs a peer median of 10.7% (weaker than 86% of peers).Return on equity 4.5% vs peers 10.7% (weaker than 86% of peers).
How risky is Avidia Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 13, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

Worth watching: Avidia Bancorp is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Net income (12 months)	14.3M USD	17.6M USD	+23.1%
Free cash flow (12 months)	35.7M USD	48.2M USD	+35.0%
Shares outstanding	20.1M	20.0M	−0.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2024	FY 2025	Change
Return on assets (ROA)	0.4%	-0.1%	▼ 0.5 pts
Return on equity (ROE)	5.9%	-0.9%	▼ 6.8 pts

AVBC price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #542 of 791 banks & insurance companies (bottom 32%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Earnings turned from a loss to a profit. Profit per share this year after a loss last year.

Avidia Bancorp made a profit per share in its latest year after a loss the year before.

Valuation signals disagree. Cheaper than 56% of peers on book value, but only 14% on earnings.

Relative to its book value, Avidia Bancorp looks cheaper than 56% of peers; relative to its earnings, cheaper than only 14%. The valuation score blends the two, so look at which measure fits this business best.

Questions investors ask about Avidia Bancorp

Is Avidia Bancorp getting weaker?

Its latest SEC filing (Aug 13, 2026) showed no major changes. Its overall score is unchanged at 43/100 since Oct 28, 2026.

How is Avidia Bancorp valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 23/100 against 950 banks & insurance peers. Earnings yield 3.8% vs a peer median of 7.9% (weaker than 86% of peers).Earnings yield 3.8% vs peers 7.9% (weaker than 86% of peers).

Is Avidia Bancorp growing?

Yes, faster than most of its peers. Growth scores 89/100 against 950 banks & insurance peers.

How profitable is Avidia Bancorp?

Less profitable than most of its peers. Profitability scores 17/100 against 950 banks & insurance peers. Return on equity 4.5% vs a peer median of 10.7% (weaker than 86% of peers).Return on equity 4.5% vs peers 10.7% (weaker than 86% of peers).

How risky is Avidia Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

14.3M USD

17.6M USD

+23.1%

Free cash flow (12 months)

35.7M USD

48.2M USD

+35.0%

Shares outstanding

20.1M

20.0M

−0.5%

Key ratios

FY 2024

FY 2025

Change

Return on assets (ROA)

0.4%

-0.1%

▼ 0.5 pts

Return on equity (ROE)

5.9%

-0.9%

▼ 6.8 pts