Friday 6 November 2026 Export AVBC’s income statement to Excel — free account

Avidia Bancorp, Inc.

Avidia Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $147.6 million, up 4.87% from fiscal 2024.

Revenue: +5.48%
Free cash flow: +391.4%
Total debt: −34.7%

Quarter to June 2026, against a year earlier

Insider buying

22.68 0.37 −1.61%

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Market cap: $451.5M
P/E: 23.9×
Fwd P/E: 15.4×
Dividend yield: 0.71%
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Bought, $m 1.47

Sold, $m 0.11

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	1	—	4	8	6	7	1	—	4	2	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 8.28%

Capital & Financial Ratios $m

Size

Market Cap 451.53

Revenue ttm 152.75

Net income ttm 17.59

Free cash flow ttm 48.08

Net debt Q 117.40

Valuation

P/E 23.87

Forward P/E 15.40

Price / sales 2.76

Forward P/S Powerpack

Price / FCF 8.76

Price / book 1.08

Financial health

Current ratio Q 1.05

Debt / equity Q 0.48

Interest coverage Q —

Growth

Revenue growth Q +5.48%

Operating income growth Q +88.33%

EPS, this year +955.56%

EPS, next year A −0.32%

Revenue, next year A −18.91%

EPS, past 5 yrs —

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

Dividends

Yield: 0.71%
Annual rate: 0.16
Payout ratio: 16.8%

0.22 ’26

paid change on the year, % Powerpack

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	70	62	145	70
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,190	2,249	2,431	2,316

	2023	2024	2025	Q'26
Payables	1,947	2,067	2,128	2,154
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,986	2,110	2,170	2,203

Compound Annual Growth %

	10y	5y	3y
Sales	—	—	—
Cash Flow	—	—	—
Earnings	—	—	—
Book Value	—	—	—

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.38 Actual 0.47

0.26 0.32 0.38 0.44 0.50

Q4 FY25 Miss −0.01

Q1 FY26 Beat +0.02

Q2 FY26 Beat +0.05

Q3 FY26 Beat +0.09

Q4 FY26 — Feb 4

Earnings per share against the consensus, by quarter
Quarter	Estimate	Reported	Result
Q4 FY25	0.30	0.29	Miss by 0.01
Q1 FY26	0.30	0.32	Beat by 0.02
Q2 FY26	0.34	0.39	Beat by 0.05
Q3 FY26	0.38	0.47	Beat by 0.09
Q4 FY26	0.37	—	Reports 4 February 2027

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.32	0.39	—	—	—

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	38	39	—	—	—
’25	35	37	38	37	148
’24	36	34	36	35	141

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	10	—	—	—
’25	(2)	(2)	24	9	28
’24	1	(1)	3	20	23

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	9	—	—	—
’25	(4)	(3)	23	8	24
’24	1	(1)	2	19	20

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	—	—	—	—	—	132	141	148	153		+5.8%	120	126	133	(3.4%)
	Gross margin, %	—	—	—	—	—	—	—	69.81	64.14	70.16	73.91		+0.3 pt	Powerpack Avidia Bancorp, Inc.’s next three years, line by line Analysts expect revenue to shrink 3.4% a year to 2028 — slower than the 5.8% of the last 2 years. See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	—	—	—	—	—	17	15	(6)	23		n/m
	EBT margin, %	—	—	—	—	—	—	—	12.53	10.94	(3.85)	15.36		(16.4) pt
	Net income	—	—	—	—	—	—	—	12	11	(3)	18		n/m
Per share, $
Per share, $	Revenue	—	—	—	—	—	—	—	0.00	0.00	7.97	8.22		n/m
	Earnings	—	—	—	—	—	—	—	—	—	(0.18)	0.95		—
	Cash flow	—	—	—	—	—	—	—	0.00	0.00	1.53	2.77		n/m
	Capex	—	—	—	—	—	—	—	0.00	0.00	(0.23)	(0.18)		n/m
	Free cash flow	—	—	—	—	—	—	—	0.00	0.00	1.30	2.59		n/m
	Book value	—	—	—	—	—	—	—	0.00	0.00	20.45	20.97		n/m
	Shares, m	—	—	—	—	—	—	—	—	—	19	19		—
Valuation, ×
Valuation, ×	P/E	—	—	—	—	—	—	—	22.09	22.09	22.09	23.87		22.1
	P/S	—	—	—	—	—	—	—	0.00	0.00	2.11	2.76		0.7
	P/B	—	—	—	—	—	—	—	0.00	0.00	0.82	1.08		0.3
	EV/Sales	—	—	—	—	—	—	—	(0.15)	(0.15)	3.07	—		0.9
	EV/FCF	—	—	—	—	—	—	—	(1.51)	(1.51)	18.82	—		5.3
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	—	—	—	16	23	28	51		+34.9%
	Capex	—	—	—	—	—	—	—	2	(3)	(4)	(3)		n/m
	Free cash flow	—	—	—	—	—	—	—	17	20	24	48		+18.0%
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	—	—	205	139	261	113		+12.9%
	Net debt	—	—	—	—	—	—	—	358	290	142	117		(37.0%)
	Shareholders’ equity	—	—	—	—	—	—	—	181	194	379	390		+44.8%
Returns, %
Returns, %	ROA	—	—	—	—	—	—	—	0.00	0.44	(0.12)	0.61		(0.1) pt
	ROIC	—	—	—	—	—	—	—	1.91	1.99	(0.68)	2.89		(2.6) pt
	ROE	—	—	—	—	—	—	—	0.00	6.13	(1.15)	6.06		(1.1) pt
People
People	Employees	—	—	—	—	—	—	—	—	254	241	—		(5.1%)
	Revenue/emp, $m	—	—	—	—	—	—	—	0.00	0.55	0.61	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HBCP Home Bancorp, Inc.	$478.0M	10.6×	10.7×	+1.86% (above 0%: growing)	−18.75% (below 0%: shrinking)	+17.52% (above 0%: growing)	74.37%	0.00%	Compare
BMRC Bank of Marin Bancorp	$463.9M	— (loss-making)	11.9×	+10.24% (above 0%: growing)	+31.91% (above 0%: growing)	+32.70% (above 0%: growing)	0.00%	0.00%	Compare
PBFS Pioneer Bancorp, Inc.	$453.0M	26.2×	24.0×	+17.36% (above 0%: growing)	−46.15% (below 0%: shrinking)	+217.72% (above 0%: growing)	75.84%	0.00%	Compare
AVBC Avidia Bancorp, Inc.	$451.5M	23.9×	15.4×	+5.48% (above 0%: growing)	—	+391.37% (above 0%: growing)	76.31%	0.00%
CBK Commercial Bancgroup, Inc.	$447.5M	11.0×	10.9×	+4.55% (above 0%: growing)	+3.01% (above 0%: growing)	+28.43% (above 0%: growing)	73.79%	0.00%	Compare
PLBC Plumas Bancorp	$435.6M	10.4×	10.7×	+5.59% (above 0%: growing)	+121.62% (above 0%: growing)	+204.74% (above 0%: growing)	86.67%	0.00%	Compare
SUPV Grupo Supervielle S.A.	$433.5M	— (loss-making)	—	−1.93% (below 0%: shrinking)	−28.57% (below 0%: shrinking)	−129.06% (below 0%: shrinking)	64.28%	0.00%	Compare
RBB RBB Bancorp	$432.5M	10.5×	10.1×	−4.00% (below 0%: shrinking)	+13.21% (above 0%: growing)	+4.05% (above 0%: growing)	55.01%	0.00%	Compare
PCB PCB Bancorp	$424.1M	10.2×	9.9×	+2.13% (above 0%: growing)	+8.86% (above 0%: growing)	−6.30% (below 0%: shrinking)	57.79%	0.00%	Compare
Median of peers	$441.5M	10.5×	10.7×	+3.34%	+5.94%	+22.98%	69.04%	0.00%

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