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Friday 6 November 2026
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Avidbank Holdings Inc.
AVBH Financial Banks Regional
Avidbank Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $89.4 million, down 39.8% from fiscal 2024.
- Revenue
- +15.6%
- EPS
- −6.49%
- Free cash flow
- +148.7%
- Total debt
- 0.00%
Quarter to June 2026, against a year earlier
34.52
0.42
+1.23%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | 29 | 35 | — | — | — | — | — | — | 148 | 89 | 100 | +13.1% | 117 | 130 | 145 | +17.5% | |
| Gross margin, % | 93.25 | 91.99 | — | — | — | — | — | — | 54.72 | 34.61 | 46.29 | (58.6) pt | ||||||
| EBT | 11 | 11 | — | — | — | — | — | — | 30 | (27) | (20) | n/m | ||||||
| EBT margin, % | 36.90 | 30.74 | — | — | — | — | — | — | 20.08 | (30.18) | (20.04) | (67.1) pt | ||||||
| Net income | 7 | 6 | — | — | — | — | — | — | 21 | (20) | (14) | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | 6.93 | 6.86 | — | — | — | — | — | — | 19.99 | 10.27 | 9.42 | +4.5% | |||||
| Earnings | 1.61 | 1.10 | — | — | — | — | — | — | 2.83 | (2.25) | (1.89) | n/m | ||||||
| Cash flow | 1.16 | 2.14 | — | — | — | — | — | — | 3.06 | 4.49 | 4.95 | +16.2% | ||||||
| Capex | (0.02) | (1.12) | — | — | — | — | — | — | 0.00 | (0.01) | 0.00 | (8.6%) | ||||||
| Free cash flow | 1.14 | 1.03 | — | — | — | — | — | — | 3.05 | 4.47 | 4.94 | +16.4% | ||||||
| Book value | 14.94 | 17.35 | — | — | — | — | — | — | 25.10 | 32.29 | 27.92 | +8.9% | ||||||
| Shares, m | 4 | 5 | — | — | — | — | — | — | 7 | 9 | 10 | +8.3% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | 11.25 | 21.06 | — | — | — | — | — | — | 12.04 | 0.00 | 0.00 | 11.1 | |||||
| P/S | 2.60 | 3.47 | — | — | — | — | — | — | 1.70 | 2.59 | 3.64 | 2.6 | ||||||
| P/B | 1.20 | 1.37 | — | — | — | — | — | — | 0.87 | 0.82 | 1.23 | 1.1 | ||||||
| EV/Sales | 2.30 | 4.35 | — | — | — | — | — | — | 1.06 | 1.10 | — | 2.2 | ||||||
| EV/FCF | 0.00 | 7.72 | — | — | — | — | — | — | 3.94 | 2.53 | — | 3.5 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | 5 | 11 | — | — | — | — | — | — | 23 | 39 | 52 | +25.8% | |||||
| Capex | 0 | (6) | — | — | — | — | — | — | 0 | 0 | 0 | (1.0%) | ||||||
| Free cash flow | 5 | 5 | — | — | — | — | — | — | 23 | 39 | 52 | +26.0% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | (30) | 35 | — | — | — | — | — | — | (112) | 62 | 65 | n/m | |||||
| Net debt | (9) | 8 | — | — | — | — | — | — | (61) | (133) | (138) | +35.5% | ||||||
| Shareholders’ equity | 64 | 89 | — | — | — | — | — | — | 186 | 281 | 296 | +18.0% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | 1.16 | 0.79 | — | — | — | — | — | — | 1.36 | (0.80) | (0.56) | (2.0) pt | |||||
| ROIC | 12.38 | 6.94 | — | — | — | — | — | — | 14.82 | (11.36) | (7.91) | (23.7) pt | ||||||
| ROE | 12.19 | 7.41 | — | — | — | — | — | — | 15.26 | (8.37) | (5.64) | (20.6) pt | ||||||
| People | ||||||||||||||||||
| People | Employees | 68 | 84 | — | — | — | — | — | — | — | 151 | — | +9.3% | |||||
| Revenue/emp, $m | 0.43 | 0.42 | — | — | — | — | — | — | 0.00 | 0.59 | — | +3.5% | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026
Avidbank Holdings 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 |
|---|---|---|---|---|---|---|---|---|---|
| NWFL Norwood Financial Corp. | $391.5M | 12.4× | 11.5× | +28.48% (above 0%: growing) | +28.36% (above 0%: growing) | +65.58% (above 0%: growing) | 68.32% | 0.00% | Compare |
| ISTR Investar Holding Corporation | $383.0M | 9.8× | 9.7× | +40.64% (above 0%: growing) | +42.11% (above 0%: growing) | +36.91% (above 0%: growing) | 65.30% | 0.00% | Compare |
| PKBK Parke Bancorp, Inc. | $382.0M | 8.1× | — | +6.11% (above 0%: growing) | +15.56% (above 0%: growing) | +15.62% (above 0%: growing) | 60.54% | 0.00% | Compare |
| AVBH Avidbank Holdings Inc. | $375.0M | — (loss-making) | 10.1× | +15.59% (above 0%: growing) | −6.49% (below 0%: shrinking) | +148.71% (above 0%: growing) | 69.18% | 0.00% | |
| TSBK Timberland Bancorp, Inc. | $371.8M | 11.9× | — | +4.36% (above 0%: growing) | +10.00% (above 0%: growing) | −24.92% (below 0%: shrinking) | 73.48% | 0.00% | Compare |
| USCB USCB Financial Holdings, Inc. | $366.3M | 12.9× | 10.0× | +9.15% (above 0%: growing) | +19.51% (above 0%: growing) | +34.55% (above 0%: growing) | 64.78% | 0.00% | Compare |
| FRST Primis Financial Corp. | $363.6M | 6.8× | 12.8× | +19.34% (above 0%: growing) | +285.01% (above 0%: growing) | +85.35% (above 0%: growing) | 71.20% | 0.00% | Compare |
| WSBF Waterstone Financial, Inc. | $360.6M | 11.5× | 11.0× | +1.53% (above 0%: growing) | +13.95% (above 0%: growing) | +124.33% (above 0%: growing) | 74.78% | 0.00% | Compare |
| BRBS Blue Ridge Bankshares, Inc. | $357.9M | — (loss-making) | — | −19.39% (below 0%: shrinking) | n/m | −29.11% (below 0%: shrinking) | 59.82% | 0.00% | Compare |
| Median of peers | $369.0M | 11.5× | 11.0× | +7.63% | +19.51% | +35.73% | 66.81% | 0.00% |
Pay and ownership Proxy statement filed 7 April 2026
Ownership
Directors and executive officers, together
16.61%
Fourthstone LLC and affiliated entities
9.96%
James F. Deutsch
9.62%
Patriot Financial Partners IV, L.P. and affiliated entities
9.59%
AllianceBernstein L.P. and affiliated entities
7.97%
Endeavour Capital Advisors Inc. and affiliated entities
6.37%
1st & Main Growth Partners and affiliated entities
5.44%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement