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Avidia Bancorp, Inc.(AVBC)Earnings, Financials & Key Ratios
AVBC•NYSE•Banking & Credit
$20.40
$410M mkt cap·Price updated May 6, 2026
AboutAvidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. The company also offers commercial and industrial loans, one-to four-family residential mortgage loans, home equity loans and second mortgage loans, multi-family mortgage loans, commercial real estate loans, construction and land loans, and consumer loans, as well as land development, business term, and auto loans. In addition, it provides payments processing services, invests in securities, primarily of U.S. Treasury securities, U.S. Government agency securities, and municipal securities. The company was founded in 1869 and is headquartered in Hudson, Massachusetts.Show more
- Net Interest Income$87M+18.1%
- Total Revenue$148M+4.9%
- Net Income-$3M-128.6%
- Return on Equity-1.15%-118.7%
- Net Interest Margin3.05%+10.6%
- Efficiency Ratio59.49%+14.5%
- ROA-0.12%-127.4%
- Equity / Assets13.36%+83.1%
- Book Value per Share20.45+111.8%
- Tangible BV/Share19.81+122.9%
- Debt/Equity0.76-58.3%
AVBC Key Insights
Avidia Bancorp, Inc. (AVBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Momentum leader: RS Rating 80 (top 20%)
- ✓Well capitalized: 13.4% equity/assets
- ✓Share count reduced 7.7% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.1%
- ✗Weak Piotroski F-Score: 3/9
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
AVBC Price & Volume
Avidia Bancorp, Inc. (AVBC) stock price & volume — 10-year historical chart
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AVBC Growth Metrics
Avidia Bancorp, Inc. (AVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.13%
3 Years18.44%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years6.81%
5 Years3.13%
3 Years2.64%
Last Year-0.6%
AVBC Recent Earnings
Avidia Bancorp, Inc. (AVBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/6 qtrs (67%)●Beat Revenue 1/6 qtrs (50%)
Q2 2026Latest
Apr 23, 2026EPS
$0.32
Est $0.30
+6.7%
Revenue
$28M
Est $28M
+0.6%
Q1 2026
Jan 29, 2026EPS
$0.29
Est $0.30
-3.3%
Revenue
$27M
Est $28M
-1.0%
Q3 2025
Aug 1, 2025EPS
$0.19
Est $0.16
+20.6%
Revenue
$36M
Q2 2025
Mar 31, 2025EPS
$0.58
Revenue
$34M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.32vs $0.30+6.7% | $28Mvs $28M+0.6% |
| Q1 2026 | Jan 29, 2026 | $0.29vs $0.30-3.3% | $27Mvs $28M-1.0% |
| Q3 2025 | Aug 1, 2025 | $0.19vs $0.16+20.6% | $36M |
| Q2 2025 | Mar 31, 2025 | $0.58 | $34M |
Based on last 6 quarters of dataView full earnings history →
AVBC Peer Comparison
Avidia Bancorp, Inc. (AVBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 EGBN | 808.45M | 26.51 | -6.30 | -10.35% | -10.91% | 0.13 | ||
 INDB | 3.91B | 78.63 | 17.39 | 6.89% | 5.07% | 0.23 | ||
 EFSC | 2.18B | 59.48 | 11.20 | 12.03% | 10.31% | 0.25 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 OCFC | 1.09B | 19.04 | 16.27 | -4.7% | 4.26% | 0.98 | ||
 DCOM | 1.64B | 37.19 | 15.69 | 13.03% | 7.67% | 0.25 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 |
Compare AVBC vs Peers
Avidia Bancorp, Inc. (AVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AVBC Income Statement
Avidia Bancorp, Inc. (AVBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 71.33M | 73.26M | 86.54M |
| NII Growth % | - | - | - | - | 2.71% | 18.13% |
| Net Interest Margin % | 0% | 0% | 0% | 2.75% | 2.76% | 3.05% |
| Interest Income | 0 | 0 | 0 | 111.12M | 123.73M | 130.58M |
| Interest Expense | 0 | 0 | 0 | 39.79M | 50.47M | 44.04M |
| Loan Loss Provision | 0 | 0 | 0 | 1.91M | 1.78M | 21.44M |
| Non-Interest Income | 72.97M | 87.08M | 88.85M | 13.53M | 17.02M | 17.02M |
| Non-Interest Income % | 100% | 100% | 100% | 10.86% | 12.09% | 11.53% |
| Total Revenue | 72.97M▲ 0% | 87.08M▲ 19.3% | 88.85M▲ 2.0% | 124.65M▲ 40.3% | 140.75M▲ 12.9% | 147.61M▲ 4.9% |
| Revenue Growth % | - | 19.34% | 2.03% | 40.29% | 12.92% | 4.87% |
| Non-Interest Expense | 0 | 0 | 0 | 66.43M | 73.1M | 87.81M |
| Efficiency Ratio | 0% | 0% | 0% | 53.3% | 51.93% | 59.49% |
| Operating Income | 72.97M▲ 0% | 87.08M▲ 19.3% | 88.85M▲ 2.0% | 16.51M▼ 81.4% | 15.4M▼ 6.7% | -5.68M▼ 136.9% |
| Operating Margin % | 100% | 100% | 100% | 13.25% | 10.94% | -3.85% |
| Operating Income Growth % | - | 19.34% | 2.03% | -81.42% | -6.72% | -136.9% |
| Pretax Income | 15.11M▲ 0% | 22.98M▲ 52.0% | 12.31M▼ 46.4% | 16.51M▲ 34.1% | 15.4M▼ 6.7% | -5.68M▼ 136.9% |
| Pretax Margin % | 20.71% | 26.38% | 13.86% | 13.25% | 10.94% | -3.85% |
| Income Tax | 3.42M | 5.62M | 3.35M | 4.07M | 3.92M | -2.39M |
| Effective Tax Rate % | 22.65% | 24.47% | 27.24% | 24.66% | 25.44% | 42.13% |
| Net Income | 11.69M▲ 0% | 17.35M▲ 48.5% | 8.96M▼ 48.4% | 12.44M▲ 38.9% | 11.48M▼ 7.7% | -3.29M▼ 128.6% |
| Net Margin % | 16.02% | 19.93% | 10.08% | 9.98% | 8.16% | -2.23% |
| Net Income Growth % | - | 48.45% | -48.39% | 38.89% | -7.68% | -128.64% |
| Net Income (Continuing) | 11.69M | 17.35M | 8.96M | 12.44M | 11.48M | -3.29M |
| EPS (Diluted) | 0.00▲ 0% | 0.00▲ 0% | 0.00▲ 0% | 0.62▲ 0% | 0.57▼ 8.1% | -0.18▼ 131.6% |
| EPS Growth % | - | - | - | - | -8.06% | -131.58% |
| EPS (Basic) | 0.00 | 0.00 | 0.00 | 0.62 | 0.57 | -0.18 |
| Diluted Shares Outstanding | 20.08M | 20.08M | 20.08M | 20.08M | 20.08M | 18.53M |
AVBC Balance Sheet
Avidia Bancorp, Inc. (AVBC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 135.65M | 310.7M | 77.85M | 318.83M | 329.37M | 15.9M |
| Cash & Due from Banks | 135.65M | 310.7M | 77.85M | 70.34M | 62.44M | 15.9M |
| Short Term Investments | 0 | 0 | 0 | 248.49M | 266.93M | 0 |
| Total Investments | 0 | 0 | 0 | 2.39B | 2.46B | 2.7B |
| Investments Growth % | - | - | - | - | 3.01% | 9.77% |
| Long-Term Investments | 0 | 0 | 0 | 2.14B | 2.19B | 2.7B |
| Accounts Receivables | 0 | 0 | 0 | 8.62M | 8.9M | 0 |
| Goodwill & Intangibles | 11.94M | 11.94M | 11.94M | 15.26M | 15.42M | 11.94M |
| Goodwill | 11.94M | 11.94M | 11.94M | 11.94M | 11.94M | 11.94M |
| Intangible Assets | 0 | 0 | 0 | 3.33M | 3.49M | 0 |
| PP&E (Net) | 21.87M | 23.71M | 26.82M | 28.45M | 28.5M | 29.18M |
| Other Assets | 1.85B | 1.97B | 2.37B | 73.05M | 68.49M | 60.82M |
| Total Current Assets | 135.65M | 310.7M | 77.85M | 327.45M | 338.27M | 24.44M |
| Total Non-Current Assets | 1.88B | 2.01B | 2.41B | 2.27B | 2.32B | 2.81B |
| Total Assets | 2.02B▲ 0% | 2.32B▲ 14.8% | 2.48B▲ 7.2% | 2.6B▲ 4.6% | 2.66B▲ 2.2% | 2.84B▲ 6.8% |
| Asset Growth % | - | 14.85% | 7.2% | 4.59% | 2.24% | 6.8% |
| Return on Assets (ROA) | 0.58% | 0.8% | 0.37% | 0.49% | 0.44% | -0.12% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 44.85M | 62.16M | 323.91M | 428.54M | 352.68M | 287.81M |
| Net Debt | -90.79M | -248.54M | 246.06M | 358.2M | 290.24M | 271.91M |
| Long-Term Debt | 44.85M | 62.16M | 323.91M | 182.54M | 187.68M | 287.81M |
| Short-Term Debt | 0 | 0 | 0 | 246M | 165M | 0 |
| Other Liabilities | 1.8B | 2.07B | 2B | 38.09M | 43.2M | -287.81M |
| Total Current Liabilities | 0 | 0 | 0 | 2.2B | 2.23B | 1.38B |
| Total Non-Current Liabilities | 1.85B | 2.13B | 2.32B | 220.63M | 230.88M | 0 |
| Total Liabilities | 1.85B | 2.13B | 2.32B | 2.42B | 2.46B | 2.46B |
| Total Equity | 172.26M▲ 0% | 183.17M▲ 6.3% | 161.17M▼ 12.0% | 180.8M▲ 12.2% | 193.83M▲ 7.2% | 378.99M▲ 95.5% |
| Equity Growth % | - | 6.34% | -12.01% | 12.18% | 7.21% | 95.53% |
| Equity / Assets (Capital Ratio) | 8.54% | 7.9% | 6.49% | 6.96% | 7.3% | 13.36% |
| Return on Equity (ROE) | 6.79% | 9.77% | 5.2% | 7.28% | 6.13% | -1.15% |
| Book Value per Share | 8.58 | 9.12 | 8.03 | 9.01 | 9.65 | 20.45 |
| Tangible BV per Share | 7.99 | 8.53 | 7.43 | 8.25 | 8.89 | 19.81 |
| Common Stock | 166.72M | 184M | 0 | 0 | 0 | 201K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 194.9M |
| Retained Earnings | 0 | 0 | 192.96M | 203.79M | 215.27M | 211.98M |
| Accumulated OCI | 5.54M | -827K | -31.79M | -22.99M | -21.44M | -12.83M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -15.26M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
AVBC Cash Flow Statement
Avidia Bancorp, Inc. (AVBC) cash flow — operating, investing & free cash flow history
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash from Operations | 0 | 0 | 0 | 15.6M | 23.22M | 0 |
| Operating CF Growth % | - | - | - | - | 48.85% | -100% |
| Net Income | 11.69M | 17.35M | 8.96M | 12.44M | 11.48M | -3.29M |
| Depreciation & Amortization | 0 | 0 | 0 | 3.04M | 3M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 338K | -543K | 0 |
| Other Non-Cash Items | -11.69M | -17.35M | -8.96M | -693K | 1.73M | 3.29M |
| Working Capital Changes | 0 | 0 | 0 | 480K | 7.55M | 0 |
| Cash from Investing | 0 | 0 | 0 | -111.75M | -71.09M | 0 |
| Purchase of Investments | 0 | 0 | 0 | -32.53M | -114.51M | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 120.94M | 110.95M | 0 |
| Net Investment Activity | 0 | 0 | 0 | 88.41M | -3.55M | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 0 | -197.04M | -64.77M | 0 |
| Cash from Financing | 0 | 0 | 0 | 88.64M | 39.97M | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 1000K | -1000K | 0 |
| Other Financing | 0 | 0 | 0 | -15.86M | 115.97M | 0 |
| Net Change in Cash | 0▲ 0% | 0▲ 0% | 0▲ 0% | -7.51M▲ 0% | -7.9M▼ 5.2% | 0▲ 100.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 0 | 0 | 77.85M | 70.34M | 0 |
| Cash at End | 0 | 0 | 0 | 70.34M | 62.44M | 0 |
| Interest Paid | 0 | 0 | 0 | 38.25M | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 3.34M | 3.2M | 0 |
| Free Cash Flow | 0▲ 0% | 0▲ 0% | 0▲ 0% | 12.48M▲ 0% | 20.45M▲ 63.8% | 0▼ 100.0% |
| FCF Growth % | - | - | - | - | 63.8% | -100% |
AVBC Banking Ratios
Avidia Bancorp, Inc. (AVBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.79% | 9.77% | 5.2% | 7.28% | 6.13% | -1.15% |
| Return on Assets (ROA) | 0.58% | 0.8% | 0.37% | 0.49% | 0.44% | -0.12% |
| Net Interest Margin | 0% | 0% | 0% | 2.75% | 2.76% | 3.05% |
| Efficiency Ratio | 0% | 0% | 0% | 53.3% | 51.93% | 59.49% |
| Equity / Assets | 8.54% | 7.9% | 6.49% | 6.96% | 7.3% | 13.36% |
| Book Value / Share | 8.58 | 9.12 | 8.03 | 9.01 | 9.65 | 20.45 |
| NII Growth | - | - | - | - | 2.71% | 18.13% |
AVBC SEC Filings & Documents
Avidia Bancorp, Inc. (AVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
AVBC Frequently Asked Questions
Avidia Bancorp, Inc. (AVBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Avidia Bancorp, Inc. (AVBC) grew revenue by 4.9% over the past year. Growth has been modest.
Avidia Bancorp, Inc. (AVBC) reported a net loss of $3.3M for fiscal year 2025.
Dividend & Returns
Avidia Bancorp, Inc. (AVBC) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Avidia Bancorp, Inc. (AVBC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Avidia Bancorp, Inc. (AVBC) has an efficiency ratio of 59.5%. This is reasonable for a bank.
Explore More AVBC
Avidia Bancorp, Inc. (AVBC) financial analysis — history, returns, DCA and operating performance tools
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