AVBC Stock Analysis: Avidia Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 417m USD | 12M Return: 42.9% | US05369T1007 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.84M
Rev. Trend: 97.0%
Warnings
Tailwinds
No distinct edge detected
Seasonality 1.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Avidia Bancorp, Inc. is the bank holding company for Avidia Bank, offering a broad range of retail and commercial financial services to individual and corporate customers. Its offerings span deposit products (savings, checking, CDs, IRAs, money market, and demand accounts), consumer lending (mortgages, home equity, auto loans, and personal borrowing), and commercial lending (commercial loans, land development loans, working capital lines of credit, and small business banking). The company also provides digital banking channels, cash management, merchant services, and specialized banking for law firms, nonprofits, and municipalities, while maintaining an investment portfolio of liquid assets such as U.S. Treasury securities, agency securities, mortgage-backed securities, and investment-grade corporate bonds.
Founded in 1869 and headquartered in Hudson, Massachusetts, Avidia Bancorp operates within the Diversified Banks sub-industry of the Financials sector. As a community-oriented bank holding company, it combines traditional branch-based deposit gathering and relationship lending with specialized vertical banking services tailored to professional and institutional clients.
- Net interest margin compression pressures profitability amid rate cuts
- Commercial loan portfolio growth accelerates in New England market
- Securities portfolio unrealized losses weigh on tangible book value
| Net Income: 17.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.27 > 1.0 |
| NWC/Revenue: -884.4% < 20% (prev -1.50k%; Δ 614.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 51.4m > Net Income 17.6m |
| Net Debt (168.7m) to EBITDA (26.5m): 6.36 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.6m) vs 12m ago -7.47% < -2% |
| Gross Margin: 71.08% > 18% (prev 50.93%; Δ 20.15% > 0.5%) |
| Asset Turnover: 5.33% > 50% (prev 4.74%; Δ 0.59% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 23.5m / Interest Expense TTM 39.5m) |
| A: -0.49 (Total Current Assets 27.9m - Total Current Liabilities 1.38b) / Total Assets 2.78b |
| B: 0.08 (Retained Earnings 223.1m / Total Assets 2.78b) |
| C: 0.01 (EBIT TTM 23.5m / Avg Total Assets 2.87b) |
| D: 0.16 (Book Value of Equity 389.5m / Total Liabilities 2.39b) |
| Altman-Z'' = -2.70 = D |
| DSRI: 0.89 (Receivables 8.70m/8.92m, Revenue 152.9m/140.3m) |
| GMI: 0.72 (GM 50.93% / 71.08%) |
| AQI: 1.19 (AQ_t 0.98 / AQ_t-1 0.82) |
| SGI: 1.09 (Revenue 152.9m / 140.3m) |
| TATA: -0.01 (NI 17.6m - CFO 51.4m) / TA 2.78b) |
| Beneish M = -3.19 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 21.68 with a total of 85,423 shares traded. Over the past week, the price has changed by -4.03%, over one month by -1.14%, over three months by +7.56% and over the past year by +42.92%.
Current recommended Stop Loss: 21.00 (which is 3.1% or 1.5 ATR below the current price).
Avidia Bancorp has no consensus analysts rating.
P/E Trailing = 23.7789
P/E Forward = 15.2672
P/S = 3.8579
P/B = 1.0712
Revenue TTM = 152.9m USD
EBIT TTM = 23.5m USD
EBITDA TTM = 26.5m USD
Long Term Debt = 27.9m USD (from longTermDebt, last quarter)
Short Term Debt = 160.0m USD (from shortLongTermDebt, last quarter)
Debt = 187.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 168.7m USD (calculated: Debt 187.9m - CCE 19.2m)
Enterprise Value = 586.0m USD (417.3m + Debt 187.9m - CCE 19.2m)
Interest Coverage Ratio = 0.59 (Ebit TTM 23.5m / Interest Expense TTM 39.5m)
EV/FCF = 12.16x (Enterprise Value 586.0m / FCF TTM 48.2m)
FCF Yield = 8.22% (FCF TTM 48.2m / Enterprise Value 586.0m)
FCF Margin = 31.51% (FCF TTM 48.2m / Revenue TTM 152.9m)
Net Margin = 11.51% (Net Income TTM 17.6m / Revenue TTM 152.9m)
Gross Margin = 71.08% ((Revenue TTM 152.9m - Cost of Revenue TTM 44.2m) / Revenue TTM)
Gross Margin QoQ = 74.03% (prev 71.74%)
Tobins Q-Ratio = 0.21 (Enterprise Value 586.0m / Total Assets 2.78b)
Interest Expense / Debt = 21.02% (Interest Expense 39.5m / Debt 187.9m)
Taxrate = 25.00% (5.86m / 23.5m)
NOPAT = 17.6m (EBIT 23.5m * (1 - 25.00%))
Current Ratio = 0.02 (Total Current Assets 27.9m / Total Current Liabilities 1.38b)
Debt / Equity = 0.48 (Debt 187.9m / totalStockholderEquity, last quarter 389.5m)
Debt / EBITDA = 6.36 (Net Debt 168.7m / EBITDA 26.5m)
Debt / FCF = 3.50 (Net Debt 168.7m / FCF TTM 48.2m)
Total Stockholder Equity = 380.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 17.6m / Total Assets 2.78b)
RoE = 4.62% (Net Income TTM 17.6m / Total Stockholder Equity 380.9m)
RoCE = 5.74% (EBIT 23.5m / Capital Employed (Equity 380.9m + L.T.Debt 27.9m))
RoIC = 1.26% (NOPAT 17.6m / Invested Capital 1.39b)
WACC = 8.03% (E(417.3m)/V(605.1m) * Re(4.55%) + D(187.9m)/V(605.1m) * Rd(21.02%) * (1-Tc(0.25)))
Discount Rate = 4.55% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.82 | Cagr: -3.39%
[DCF] Terminal Value 77.97% ; FCFF base≈34.4m ; Y1≈39.4m ; Y5≈58.0m
[DCF] Fair Price = 38.09 (EV 872.3m - Net Debt 168.7m = Equity 703.6m / Shares 18.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 96.95 | Revenue CAGR: 8.82% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.38 | Chg30d=+18.75% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.44 | Chg30d=+9.92% | Revisions=+25% | GrowthEPS=+794.4% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=1.48 | Chg30d=+4.96% | Revisions=+25% | GrowthEPS=+2.8% | GrowthRev=+0.0%