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AVBH logoAvidbank Holdings, Inc.(AVBH)Earnings, Financials & Key Ratios

AVBH•NASDAQ•Banking & Credit
$29.76
$259M mkt cap·9.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutAvidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprises working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, it offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC – real estate secured loans. Further, the company provides various financing solutions, such as structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, it offers various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Furthermore, the company offers online and mobile banking services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.Show more
  • Net Interest Income$32M
  • Total Revenue$74M-3.8%
  • Net Income$24M+14.1%
  • Return on Equity10.26%-14.1%
  • Net Interest Margin1.23%
  • Efficiency Ratio69.55%+23.1%
  • ROA0.98%+6.3%
  • Equity / Assets10.93%+35.4%
  • Book Value per Share36.56+49.2%
  • Tangible BV/Share36.56+49.2%
  • Debt/Equity0.08-93.2%
Technical→

AVBH Key Insights

Avidbank Holdings, Inc. (AVBH) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong 5Y profit CAGR of 20.0%
  • ✓Well capitalized: 10.9% equity/assets
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Weak NIM of 1.2%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

AVBH Price & Volume

Avidbank Holdings, Inc. (AVBH) stock price & volume — 10-year historical chart

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AVBH Growth Metrics

Avidbank Holdings, Inc. (AVBH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.5%
5 Years10.1%
3 Years-0.46%
TTM-

Profit CAGR

10 Years20.61%
5 Years20.02%
3 Years-1.41%
TTM14.1%

EPS CAGR

10 Years14.4%
5 Years14.07%
3 Years-4.76%
TTM12.68%

Return on Capital

10 Years7.72%
5 Years5.46%
3 Years1.83%
Last Year-1.06%

AVBH Recent Earnings

Avidbank Holdings, Inc. (AVBH) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 27, 2026
EPS
$0.84
Est $0.80
+5.0%
Revenue
$28M
Est $28M
-0.5%
Q1 2026
Jan 29, 2026
EPS
$0.65
Est $0.76
-14.5%
Revenue
$27M
Est $26M
+3.1%
Q4 2025
Oct 23, 2025
EPS
$0.72
Est $0.77
-6.5%
Revenue
$24M
Est $26M
-190.9%
Q3 2025
Aug 25, 2025
EPS
$0.75
Est $0.75
+0.0%
Revenue
$37M
Est $22M
+65.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$0.84vs $0.80+5.0%
$28Mvs $28M-0.5%
Q1 2026Jan 29, 2026
$0.65vs $0.76-14.5%
$27Mvs $26M+3.1%
Q4 2025Oct 23, 2025
$0.72vs $0.77-6.5%
$24Mvs $26M-190.9%
Q3 2025Aug 25, 2025
$0.75vs $0.75+0.0%
$37Mvs $22M+65.7%
Based on last 12 quarters of dataView full earnings history →

AVBH Peer Comparison

Avidbank Holdings, Inc. (AVBH) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HTBK logoHTBKHeritage Commerce CorpDirect Competitor828.43M13.4517.245.84%6.83%0.06
BSVN logoBSVNBank7 Corp.Direct Competitor412.67M43.619.69-3.87%18.21%
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
WAFD logoWAFDWaFd, Inc.Direct Competitor2.72B35.6413.55-1.58%8.02%0.60
BANR logoBANRBanner CorporationDirect Competitor2.24B66.2311.74-0.95%10.34%0.19
PFBC logoPFBCPreferred BankProduct Competitor1.17B96.089.23-4.11%17.29%0.49
HAFC logoHAFCHanmi Financial CorporationProduct Competitor909.33M30.4212.123.55%9.85%0.35
BCAL logoBCALSouthern California BancorpProduct Competitor612.5M19.059.8726.23%11.36%0.12

Compare AVBH vs Peers

Avidbank Holdings, Inc. (AVBH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HTBK

Most directly comparable listed peer for AVBH.

Scale Benchmark

vs ICE

Larger-name benchmark to compare AVBH against a more recognizable public peer.

Peer Set

Compare Top 5

vs HTBK, BSVN, CVBF, WAFD

AVBH Income Statement

Avidbank Holdings, Inc. (AVBH) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income30.53M37.87M44.7M-1.24M-1.24M-1.44M-15.01M031.63M
NII Growth %25.83%24.03%18.05%-102.78%0.4%-16.32%-942.29%100%-
Net Interest Margin %3.9%4.13%3.95%-0.09%-0.06%-0.07%-0.67%0%1.23%
Interest Income33.35M42.58M52.01M0000073.97M
Interest Expense2.82M4.72M7.31M1.24M1.24M1.44M15.01M042.34M
Loan Loss Provision1.99M1.61M1.43M-1.24M-1.24M-1.44M-15.01M06.05M
Non-Interest Income1.89M2.72M2.75M45.87M52.77M75.24M67.86M77.14M230K
Non-Interest Income %5.35%6%5.02%100%100%100%100%100%0.31%
Total Revenue
35.24M▲ 0%
45.3M▲ 28.6%
54.76M▲ 20.9%
45.87M▼ 16.2%
52.77M▲ 15.0%
75.24M▲ 42.6%
67.86M▼ 9.8%
77.14M▲ 13.7%
74.2M▼ 3.8%
Revenue Growth %19.58%28.56%20.87%-16.23%15.03%42.58%-9.8%13.66%-3.81%
Non-Interest Expense19.6M23.53M28.17M27.69M29.66M33.13M40.42M43.56M51.61M
Efficiency Ratio55.61%51.94%51.44%60.36%56.21%44.03%59.56%56.48%69.55%
Operating Income
10.83M▲ 0%
15.44M▲ 42.6%
17.86M▲ 15.6%
18.18M▲ 1.8%
23.11M▲ 27.1%
42.11M▲ 82.2%
27.45M▼ 34.8%
33.57M▲ 22.3%
-25.8M▼ 176.8%
Operating Margin %30.74%34.09%32.61%39.64%43.79%55.97%40.44%43.52%-34.77%
Operating Income Growth %-0.39%42.56%15.62%1.83%27.1%82.22%-34.82%22.32%-176.84%
Pretax Income
10.83M▲ 0%
15.44M▲ 42.6%
17.86M▲ 15.6%
12.71M▼ 28.8%
17.15M▲ 35.0%
34.45M▲ 100.8%
23.97M▼ 30.4%
29.8M▲ 24.3%
-26.97M▼ 190.5%
Pretax Margin %30.74%34.09%32.61%27.7%32.51%45.79%35.32%38.64%-36.35%
Income Tax5.18M4.32M5M3.08M4.89M9.43M7.17M8.79M-50.95M
Effective Tax Rate %47.81%28%28%24.24%28.51%27.36%29.91%29.49%188.91%
Net Income
5.65M▲ 0%
11.12M▲ 96.7%
12.86M▲ 15.6%
9.63M▼ 25.1%
12.26M▲ 27.4%
25.02M▲ 104.0%
16.8M▼ 32.9%
21.02M▲ 25.1%
23.98M▲ 14.1%
Net Margin %16.04%24.55%23.48%20.99%23.24%33.26%24.76%27.24%32.32%
Net Income Growth %-22.15%96.67%15.62%-25.12%27.39%104.04%-32.86%25.08%14.1%
Net Income (Continuing)5.65M11.12M12.86M9.63M12.26M25.02M16.8M21.02M23.98M
EPS (Diluted)
1.08▲ 0%
1.90▲ 75.9%
2.17▲ 14.2%
1.61▼ 25.8%
2.02▲ 25.5%
3.60▲ 78.2%
2.24▼ 37.8%
2.76▲ 23.2%
3.11▲ 12.7%
EPS Growth %-30.77%75.93%14.21%-25.81%25.47%78.22%-37.78%23.21%12.68%
EPS (Basic)1.101.932.221.642.083.682.292.833.19
Diluted Shares Outstanding5.24M5.87M5.91M5.97M6.06M6.95M7.49M7.6M7.69M

AVBH Balance Sheet

Avidbank Holdings, Inc. (AVBH) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments107.72M84.14M204.86M0000010.87M
Cash & Due from Banks33.36M27.65M152.85M000007.94M
Short Term Investments74.36M56.49M52.01M000002.92M
Total Investments714.34M854.07M929.53M000002.92M
Investments Growth %19.41%19.56%8.83%-100%-----
Long-Term Investments639.98M797.58M877.51M000000
Accounts Receivables13.6M15.53M28.98M000000
Goodwill & Intangibles000000000
Goodwill000000000
Intangible Assets000000000
PP&E (Net)5.95M5.72M5.54M23.45M19.27M16.27M12.82M9.26M1.53M
Other Assets15.75M13.92M14.66M-23.45M-19.27M-53.9M-46M-43.61M2.57B
Total Current Assets121.32M99.68M233.84M232.94M496.86M47.29M81.4M010.87M
Total Non-Current Assets661.67M817.23M897.72M000002.57B
Total Assets
782.99M▲ 0%
916.9M▲ 17.1%
1.13B▲ 23.4%
1.43B▲ 26.4%
2.16B▲ 51.2%
2.14B▼ 1.1%
2.24B▲ 4.5%
2.31B▲ 3.3%
2.57B▲ 11.3%
Asset Growth %21.08%17.1%23.41%26.43%51.16%-1.11%4.53%3.27%11.32%
Return on Assets (ROA)0.79%1.31%1.26%0.75%0.68%1.16%0.77%0.92%0.98%
Accounts Payable5.72M7.95M20.45M000000
Total Debt41.76M11.85M21.57M40.64M37.53M167.64M392.33M214.69M22M
Net Debt8.4M-15.81M-131.28M40.64M37.53M167.64M392.33M214.69M14.06M
Long-Term Debt41.76M11.85M21.57M21.57M21.7M151.81M381.91M22M22M
Short-Term Debt0002.82M2.88M2.96M3.05M187.62M0
Other Liabilities000-37.82M-34.66M-169.84M-393.68M-30.98M2.27B
Total Current Liabilities652.13M804.54M993.59M1.17B1.88B1.78B1.51B00
Total Non-Current Liabilities41.76M11.85M21.57M000002.29B
Total Liabilities693.89M816.39M1.02B1.3B2.03B2B2.07B2.12B2.29B
Total Equity
89.11M▲ 0%
100.52M▲ 12.8%
116.39M▲ 15.8%
127.92M▲ 9.9%
137.1M▲ 7.2%
137.54M▲ 0.3%
165.31M▲ 20.2%
186.36M▲ 12.7%
280.98M▲ 50.8%
Equity Growth %40.31%12.8%15.8%9.91%7.17%0.32%20.19%12.73%50.77%
Equity / Assets (Capital Ratio)11.38%10.96%10.29%8.94%6.34%6.43%7.4%8.07%10.93%
Return on Equity (ROE)7.41%11.73%11.85%7.88%9.25%18.22%11.1%11.95%10.26%
Book Value per Share17.0017.1319.6821.4422.6119.7822.0724.5136.56
Tangible BV per Share17.0017.1319.6821.4422.6119.7822.0724.5136.56
Common Stock62.23M62.23M62.23M70.72M72.8M102.36M104.5M107M169.99M
Additional Paid-in Capital4.76M5.78M7.14M000000
Retained Earnings22.81M34.05M46.91M56.54M68.8M93.82M109.69M130.7M111.15M
Accumulated OCI-700K-1.55M108K667K-4.5M-58.65M-48.88M-51.34M-161K
Treasury Stock000000000
Preferred Stock000000000

AVBH Cash Flow Statement

Avidbank Holdings, Inc. (AVBH) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations11.01M15.08M14.73M15.73M16.29M28.66M36.33M22.69M0
Operating CF Growth %122.4%36.98%-2.31%6.73%3.58%75.91%26.77%-37.54%-100%
Net Income5.65M11.12M12.86M9.63M12.26M25.02M16.8M21.02M-19.55M
Depreciation & Amortization1.38M1.23M1.3M1.56M02.19M2.01M1.74M0
Deferred Taxes-643K1.15M1.87M000000
Other Non-Cash Items1.78M1.46M2.6M5.6M6.64M7.09M10.99M6.56M19.55M
Working Capital Changes1.98M-857K-5.57M-3.34M-2.61M-8.08M3.76M-9.84M0
Cash from Investing-125.22M-141.01M-75.77M-218.21M-478.44M-475.66M-62.69M-82.7M0
Purchase of Investments00-257K0-275.66M0000
Sale/Maturity of Investments14.72M16.14M6.25M051.36M0000
Net Investment Activity14.72M16.14M6M0-224.3M0000
Acquisitions0513K257K0232K0000
Other Investing-134.21M-156.26M-81.28M-217.27M-234.29M-475.13M-62.52M-82.65M0
Cash from Financing127.27M120.22M186.23M279.67M725.46M950K60.47M61.31M-82.7M
Dividends Paid000000000
Share Repurchases-1.07M-769K-432K-447K-199K0000
Stock Issued19.02M00000000
Net Stock Activity17.95M-769K-432K-447K-199K0000
Debt Issuance (Net)1000K01000K001000K1000K-1000K0
Other Financing98.21M120.97M176.34M280.12M725.66M-89.05M-73.53M215.31M-82.7M
Net Change in Cash
13.06M▲ 0%
-5.71M▼ 143.7%
125.2M▲ 2293.3%
77.19M▼ 38.3%
0▼ 100.0%
-446.06M▲ 0%
34.11M▲ 107.6%
1.3M▼ 96.2%
-82.7M▼ 6437.2%
Exchange Rate Effect0000-263.31M0000
Cash at Beginning20.3M33.36M27.65M152.85M0493.34M47.29M81.4M82.7M
Cash at End33.36M27.65M152.85M230.03M047.29M81.4M82.7M0
Interest Paid2.52M4.33M6.88M6.46M08.88M42.35M75.29M0
Income Taxes Paid4.56M4.54M5.64M000000
Free Cash Flow
5.28M▲ 0%
14.2M▲ 169.1%
14M▼ 1.4%
14.79M▲ 5.7%
16.21M▲ 9.6%
28.12M▲ 73.5%
36.16M▲ 28.6%
22.64M▼ 37.4%
0▼ 100.0%
FCF Growth %8.81%169.12%-1.43%5.66%9.63%73.46%28.59%-37.38%-100%

AVBH Banking Ratios

Avidbank Holdings, Inc. (AVBH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)12.19%7.41%11.73%11.85%7.88%9.25%18.22%11.1%11.95%10.26%
Return on Assets (ROA)1.16%0.79%1.31%1.26%0.75%0.68%1.16%0.77%0.92%0.98%
Net Interest Margin3.75%3.9%4.13%3.95%-0.09%-0.06%-0.07%-0.67%0%1.23%
Efficiency Ratio53.59%55.61%51.94%51.44%60.36%56.21%44.03%59.56%56.48%69.55%
Equity / Assets9.82%11.38%10.96%10.29%8.94%6.34%6.43%7.4%8.07%10.93%
Book Value / Share13.641717.1319.6821.4422.6119.7822.0724.5136.56
NII Growth9.03%25.83%24.03%18.05%-102.78%0.4%-16.32%-942.29%100%-

AVBH SEC Filings & Documents

Avidbank Holdings, Inc. (AVBH) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 27, 2026·SEC

Material company update

Mar 13, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 18, 2026·SEC

10-Q Quarterly Reports

2
FY 2025

Nov 12, 2025·SEC

FY 2025

Sep 18, 2025·SEC

AVBH Frequently Asked Questions

Avidbank Holdings, Inc. (AVBH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Avidbank Holdings, Inc. (AVBH) saw revenue decline by 3.8% over the past year.

Yes, Avidbank Holdings, Inc. (AVBH) is profitable, generating $24.0M in net income for fiscal year 2025 (32.3% net margin).

Dividend & Returns

Avidbank Holdings, Inc. (AVBH) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.

Industry Metrics

Avidbank Holdings, Inc. (AVBH) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.

Avidbank Holdings, Inc. (AVBH) has an efficiency ratio of 69.6%. This is higher than peers, suggesting room for cost optimization.

Explore More AVBH

Avidbank Holdings, Inc. (AVBH) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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