Saturday 17 October 2026
Export AVBC’s income statement to Excel — free account
Avidia Bancorp, Inc.
AVBC Financial Banks Regional
Avidia Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $147.6 million, up 4.87% from fiscal 2024. In the quarter to June 2026, revenue grew 5.48%, free cash flow grew 391.4% and total debt fell 34.7%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
21.96
0.13
+0.60%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 14.00 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | — | — | — | 17.69 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 254 | 241 | ||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.55 | 0.61 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 132 | 141 | 148 | ||||
| Gross margin, % | — | — | — | — | — | — | — | 69.81 | 64.14 | 70.16 | |||||
| EBT | — | — | — | — | — | — | — | 17 | 15 | (6) | |||||
| EBT margin, % | — | — | — | — | — | — | — | 12.53 | 10.94 | (3.85) | |||||
| Net income | — | — | — | — | — | — | — | 12 | 11 | (3) | |||||
| Depreciation | — | — | — | — | — | — | — | 3 | 3 | 3 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.00 | 0.00 | 7.97 | ||||
| Earnings | — | — | — | — | — | — | — | — | — | (0.18) | |||||
| Cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.53 | |||||
| Capex | — | — | — | — | — | — | — | 0.00 | 0.00 | (0.23) | |||||
| Free cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.30 | |||||
| Book value | — | — | — | — | — | — | — | 0.00 | 0.00 | 20.45 | |||||
| Shares, m | — | — | — | — | — | — | — | — | — | 19 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 22.09 | 22.09 | 22.09 | ||||
| P/S | — | — | — | — | — | — | — | 0.00 | 0.00 | 2.11 | |||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.82 | |||||
| EV/Sales | — | — | — | — | — | — | — | (0.15) | (0.15) | 3.07 | |||||
| EV/FCF | — | — | — | — | — | — | — | (1.51) | (1.51) | 18.82 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 16 | 23 | 28 | ||||
| Capex | — | — | — | — | — | — | — | 2 | (3) | (4) | |||||
| Free cash flow | — | — | — | — | — | — | — | 17 | 20 | 24 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 205 | 139 | 261 | ||||
| Total debt | — | — | — | — | — | — | — | 429 | 353 | 288 | |||||
| Net debt | — | — | — | — | — | — | — | 358 | 290 | 142 | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | 181 | 194 | 379 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 0.44 | (0.12) | ||||
| ROIC | — | — | — | — | — | — | — | 1.91 | 1.99 | (0.68) | |||||
| ROE | — | — | — | — | — | — | — | 0.00 | 6.13 | (1.15) | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
Avidia Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| CZNC Citizens & Northern Corp | $454.8M | 17.3× | 10.8× | +26.53% (above 0%: growing) | +97.50% (above 0%: growing) | +90.26% (above 0%: growing) | 76.74% | 0.00% | Compare |
| PBFS Pioneer Bancorp, Inc. | $440.5M | 25.2× | 24.0× | +17.36% (above 0%: growing) | −46.15% (below 0%: shrinking) | +217.72% (above 0%: growing) | 75.84% | 0.00% | Compare |
| FRBA First Bank | $438.9M | 10.3× | 10.2× | −3.96% (below 0%: shrinking) | +7.32% (above 0%: growing) | −48.72% (below 0%: shrinking) | 62.19% | 0.00% | Compare |
| AVBC Avidia Bancorp, Inc. | $436.0M | 23.1× | 14.7× | +5.48% (above 0%: growing) | — | +391.37% (above 0%: growing) | 76.31% | 0.00% | |
| RBB RBB Bancorp | $435.8M | 10.5× | 10.3× | −4.00% (below 0%: shrinking) | +13.21% (above 0%: growing) | +4.05% (above 0%: growing) | 55.01% | 0.00% | Compare |
| PLBC Plumas Bancorp | $431.8M | 12.1× | 9.7× | +44.00% (above 0%: growing) | +33.64% (above 0%: growing) | +446.81% (above 0%: growing) | 86.85% | 0.00% | Compare |
| CBK Commercial Bancgroup, Inc. | $431.5M | 10.8× | 10.3× | −0.84% (below 0%: shrinking) | +3.15% (above 0%: growing) | +28.43% (above 0%: growing) | 73.67% | 0.00% | Compare |
| BMRC Bank of Marin Bancorp | $427.4M | — (loss-making) | 11.9× | +120.20% (above 0%: growing) | n/m | +67.51% (above 0%: growing) | 74.60% | 0.00% | Compare |
| CBAN Colony Bankcorp, Inc. | $425.1M | 12.0× | 10.7× | +23.45% (above 0%: growing) | +10.87% (above 0%: growing) | −48.88% (below 0%: shrinking) | 72.54% | 0.00% | Compare |
| Median of peers | $433.8M | 12.0× | 10.5× | +20.41% | +10.87% | +47.97% | 74.14% | 0.00% |
Avidia Bancorp, Inc. (AVBC) key facts
- Concern: Avidia Bancorp, Inc. reported a net loss of $3.3 million, or a loss of $0.18 per share, for fiscal 2025.
- Strength: Avidia Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $147.6 million, up 4.87% from fiscal 2024.
- Avidia Bancorp, Inc. (AVBC) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- As of October 16, 2026, AVBC traded at $21.96, a market capitalization of $436.0 million.
- At that price the stock trades at 23.1× trailing-twelve-month earnings and 2.7× sales.
- Avidia Bancorp, Inc. pays an annual dividend of $0.16 per share, a yield of 0.73%, with a payout ratio of 16.8%.
- Return on equity was −1.15% and debt-to-equity 0.48.