8-K Announcements
6Apr 27, 2026·SEC
Mar 13, 2026·SEC
Jan 29, 2026·SEC
Avidbank Holdings, Inc. (AVBH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Avidbank Holdings, Inc. (AVBH) stock price & volume — 10-year historical chart
Avidbank Holdings, Inc. (AVBH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Avidbank Holdings, Inc. (AVBH) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.84vs $0.80+5.0% | $28Mvs $28M-0.5% |
| Q1 2026 | Jan 29, 2026 | $0.65vs $0.76-14.5% | $27Mvs $26M+3.1% |
| Q4 2025 | Oct 23, 2025 | $0.72vs $0.77-6.5% | $24Mvs $26M-190.9% |
| Q3 2025 | Aug 25, 2025 | $0.75vs $0.75+0.0% | $37Mvs $22M+65.7% |
Avidbank Holdings, Inc. (AVBH) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Avidbank Holdings, Inc. (AVBH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Avidbank Holdings, Inc. (AVBH) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30.53M | 37.87M | 44.7M | -1.24M | -1.24M | -1.44M | -15.01M | 0 | 31.63M |
| 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 Income | 33.35M | 42.58M | 52.01M | 0 | 0 | 0 | 0 | 0 | 73.97M |
| Interest Expense | 2.82M | 4.72M | 7.31M | 1.24M | 1.24M | 1.44M | 15.01M | 0 | 42.34M |
| Loan Loss Provision | 1.99M | 1.61M | 1.43M | -1.24M | -1.24M | -1.44M | -15.01M | 0 | 6.05M |
| Non-Interest Income | 1.89M | 2.72M | 2.75M | 45.87M | 52.77M | 75.24M | 67.86M | 77.14M | 230K |
| 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 Expense | 19.6M | 23.53M | 28.17M | 27.69M | 29.66M | 33.13M | 40.42M | 43.56M | 51.61M |
| Efficiency Ratio | 55.61% | 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 Tax | 5.18M | 4.32M | 5M | 3.08M | 4.89M | 9.43M | 7.17M | 8.79M | -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) | 5.65M | 11.12M | 12.86M | 9.63M | 12.26M | 25.02M | 16.8M | 21.02M | 23.98M |
| 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) | 1.10 | 1.93 | 2.22 | 1.64 | 2.08 | 3.68 | 2.29 | 2.83 | 3.19 |
| Diluted Shares Outstanding | 5.24M | 5.87M | 5.91M | 5.97M | 6.06M | 6.95M | 7.49M | 7.6M | 7.69M |
Avidbank Holdings, Inc. (AVBH) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 107.72M | 84.14M | 204.86M | 0 | 0 | 0 | 0 | 0 | 10.87M |
| Cash & Due from Banks | 33.36M | 27.65M | 152.85M | 0 | 0 | 0 | 0 | 0 | 7.94M |
| Short Term Investments | 74.36M | 56.49M | 52.01M | 0 | 0 | 0 | 0 | 0 | 2.92M |
| Total Investments | 714.34M | 854.07M | 929.53M | 0 | 0 | 0 | 0 | 0 | 2.92M |
| Investments Growth % | 19.41% | 19.56% | 8.83% | -100% | - | - | - | - | - |
| Long-Term Investments | 639.98M | 797.58M | 877.51M | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 13.6M | 15.53M | 28.98M | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.95M | 5.72M | 5.54M | 23.45M | 19.27M | 16.27M | 12.82M | 9.26M | 1.53M |
| Other Assets | 15.75M | 13.92M | 14.66M | -23.45M | -19.27M | -53.9M | -46M | -43.61M | 2.57B |
| Total Current Assets | 121.32M | 99.68M | 233.84M | 232.94M | 496.86M | 47.29M | 81.4M | 0 | 10.87M |
| Total Non-Current Assets | 661.67M | 817.23M | 897.72M | 0 | 0 | 0 | 0 | 0 | 2.57B |
| 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 Payable | 5.72M | 7.95M | 20.45M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 41.76M | 11.85M | 21.57M | 40.64M | 37.53M | 167.64M | 392.33M | 214.69M | 22M |
| Net Debt | 8.4M | -15.81M | -131.28M | 40.64M | 37.53M | 167.64M | 392.33M | 214.69M | 14.06M |
| Long-Term Debt | 41.76M | 11.85M | 21.57M | 21.57M | 21.7M | 151.81M | 381.91M | 22M | 22M |
| Short-Term Debt | 0 | 0 | 0 | 2.82M | 2.88M | 2.96M | 3.05M | 187.62M | 0 |
| Other Liabilities | 0 | 0 | 0 | -37.82M | -34.66M | -169.84M | -393.68M | -30.98M | 2.27B |
| Total Current Liabilities | 652.13M | 804.54M | 993.59M | 1.17B | 1.88B | 1.78B | 1.51B | 0 | 0 |
| Total Non-Current Liabilities | 41.76M | 11.85M | 21.57M | 0 | 0 | 0 | 0 | 0 | 2.29B |
| Total Liabilities | 693.89M | 816.39M | 1.02B | 1.3B | 2.03B | 2B | 2.07B | 2.12B | 2.29B |
| 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 Share | 17.00 | 17.13 | 19.68 | 21.44 | 22.61 | 19.78 | 22.07 | 24.51 | 36.56 |
| Tangible BV per Share | 17.00 | 17.13 | 19.68 | 21.44 | 22.61 | 19.78 | 22.07 | 24.51 | 36.56 |
| Common Stock | 62.23M | 62.23M | 62.23M | 70.72M | 72.8M | 102.36M | 104.5M | 107M | 169.99M |
| Additional Paid-in Capital | 4.76M | 5.78M | 7.14M | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 22.81M | 34.05M | 46.91M | 56.54M | 68.8M | 93.82M | 109.69M | 130.7M | 111.15M |
| Accumulated OCI | -700K | -1.55M | 108K | 667K | -4.5M | -58.65M | -48.88M | -51.34M | -161K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Avidbank Holdings, Inc. (AVBH) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 11.01M | 15.08M | 14.73M | 15.73M | 16.29M | 28.66M | 36.33M | 22.69M | 0 |
| Operating CF Growth % | 122.4% | 36.98% | -2.31% | 6.73% | 3.58% | 75.91% | 26.77% | -37.54% | -100% |
| Net Income | 5.65M | 11.12M | 12.86M | 9.63M | 12.26M | 25.02M | 16.8M | 21.02M | -19.55M |
| Depreciation & Amortization | 1.38M | 1.23M | 1.3M | 1.56M | 0 | 2.19M | 2.01M | 1.74M | 0 |
| Deferred Taxes | -643K | 1.15M | 1.87M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 1.78M | 1.46M | 2.6M | 5.6M | 6.64M | 7.09M | 10.99M | 6.56M | 19.55M |
| Working Capital Changes | 1.98M | -857K | -5.57M | -3.34M | -2.61M | -8.08M | 3.76M | -9.84M | 0 |
| Cash from Investing | -125.22M | -141.01M | -75.77M | -218.21M | -478.44M | -475.66M | -62.69M | -82.7M | 0 |
| Purchase of Investments | 0 | 0 | -257K | 0 | -275.66M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 14.72M | 16.14M | 6.25M | 0 | 51.36M | 0 | 0 | 0 | 0 |
| Net Investment Activity | 14.72M | 16.14M | 6M | 0 | -224.3M | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 513K | 257K | 0 | 232K | 0 | 0 | 0 | 0 |
| Other Investing | -134.21M | -156.26M | -81.28M | -217.27M | -234.29M | -475.13M | -62.52M | -82.65M | 0 |
| Cash from Financing | 127.27M | 120.22M | 186.23M | 279.67M | 725.46M | 950K | 60.47M | 61.31M | -82.7M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -1.07M | -769K | -432K | -447K | -199K | 0 | 0 | 0 | 0 |
| Stock Issued | 19.02M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 17.95M | -769K | -432K | -447K | -199K | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 0 | 1000K | 0 | 0 | 1000K | 1000K | -1000K | 0 |
| Other Financing | 98.21M | 120.97M | 176.34M | 280.12M | 725.66M | -89.05M | -73.53M | 215.31M | -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 Effect | 0 | 0 | 0 | 0 | -263.31M | 0 | 0 | 0 | 0 |
| Cash at Beginning | 20.3M | 33.36M | 27.65M | 152.85M | 0 | 493.34M | 47.29M | 81.4M | 82.7M |
| Cash at End | 33.36M | 27.65M | 152.85M | 230.03M | 0 | 47.29M | 81.4M | 82.7M | 0 |
| Interest Paid | 2.52M | 4.33M | 6.88M | 6.46M | 0 | 8.88M | 42.35M | 75.29M | 0 |
| Income Taxes Paid | 4.56M | 4.54M | 5.64M | 0 | 0 | 0 | 0 | 0 | 0 |
| 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% |
Avidbank Holdings, Inc. (AVBH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.75% | 3.9% | 4.13% | 3.95% | -0.09% | -0.06% | -0.07% | -0.67% | 0% | 1.23% |
| Efficiency Ratio | 53.59% | 55.61% | 51.94% | 51.44% | 60.36% | 56.21% | 44.03% | 59.56% | 56.48% | 69.55% |
| Equity / Assets | 9.82% | 11.38% | 10.96% | 10.29% | 8.94% | 6.34% | 6.43% | 7.4% | 8.07% | 10.93% |
| Book Value / Share | 13.64 | 17 | 17.13 | 19.68 | 21.44 | 22.61 | 19.78 | 22.07 | 24.51 | 36.56 |
| NII Growth | 9.03% | 25.83% | 24.03% | 18.05% | -102.78% | 0.4% | -16.32% | -942.29% | 100% | - |
Avidbank Holdings, Inc. (AVBH) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 27, 2026·SEC
Mar 13, 2026·SEC
Jan 29, 2026·SEC
Mar 18, 2026·SEC
Avidbank Holdings, Inc. (AVBH) stock FAQ — growth, dividends, profitability & financials explained
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).
Avidbank Holdings, Inc. (AVBH) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.
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.
Avidbank Holdings, Inc. (AVBH) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates