Latest Ratios: P/E Ratio -117.5x · EV/EBITDA N/A · ROE -1.1%. (2020–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $425M | $312M | — | — | — | — | — |
| Enterprise Value | $697M | $583M | — | — | — | — | — |
| P/E Ratio → | -117.50 | — | — | — | — | — | — |
| P/S Ratio | 2.88 | 2.11 | — | — | — | — | — |
| P/B Ratio | 1.03 | 0.82 | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.95 | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 55.6% | 55.6% | 62.9% | 66.5% | 100.0% | 100.0% | 100.0% |
| Operating Margin | -3.9% | -3.9% | 10.9% | 13.2% | 100.0% | 100.0% | 100.0% |
| Net Profit Margin | -2.2% | -2.2% | 8.2% | 10.0% | 10.1% | 19.9% | 16.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | -1.1% | -1.1% | 6.1% | 7.3% | 5.2% | 9.8% | 6.8% |
| ROA | -0.1% | -0.1% | 0.4% | 0.5% | 0.4% | 0.8% | 0.6% |
| ROIC | -0.7% | -0.7% | 2.0% | 2.3% | 18.2% | 28.2% | 25.2% |
| ROCE | -0.6% | -0.6% | 3.7% | 4.8% | 3.7% | 4.0% | — |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.76 | 0.76 | 1.82 | 2.37 | 2.01 | 0.34 | 0.26 |
| Debt / EBITDA | — | — | 19.16 | 21.92 | 3.65 | 0.71 | 0.61 |
| Net Debt / Equity | — | 0.72 | 1.50 | 1.98 | 1.53 | -1.36 | -0.53 |
| Net Debt / EBITDA | — | — | 15.77 | 18.32 | 2.77 | -2.85 | -1.24 |
| Debt / FCF | — | — | 14.19 | 28.69 | — | — | — |
| Interest Coverage | -0.13 | -0.13 | 0.31 | 0.41 | — | — | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 0.02 | 0.02 | 0.15 | 0.15 | — | — | — |
| Quick Ratio | 0.02 | 0.02 | 0.15 | 0.15 | — | — | — |
| Cash Ratio | 0.01 | 0.01 | 0.03 | 0.03 | — | — | — |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | — | — | — | — | — |
| Shares Outstanding | — | $19M | $20M | $20M | $20M | $20M | $20M |
Operational and Regulatory Volatility
Based on recent financial data, Avidia trades at a P/B ratio of 0.99, suggesting that the market currently prices the bank at a discount to its tangible book value, likely reflecting investor skepticism regarding the scalability of its specialized payment-focused business model and recent profitability volatility.
The current valuation appears to discount the bank's potential as a fintech-enabled hybrid, treating it instead as a traditional regional institution with elevated operational risk. Investors should monitor whether the forward P/E of 15.43 is justified by a sustained return to positive net margins or if the market will continue to apply a valuation haircut until the payment infrastructure demonstrates consistent earnings power.
According to quarterly financial statements, Avidia's ROE has fluctuated between -6.1% and 2.1% over the last ten quarters, indicating that the bank's profitability is currently strained by high fixed-cost investments in its payment processing infrastructure rather than traditional lending spread efficiency.
The DuPont decomposition suggests that while the bank maintains a unique fee-based revenue stream, the high operating expense burden is currently offsetting the benefits of its niche deposit base. The volatility in ROE appears to be driven by periodic spikes in provisioning and the heavy overhead required to maintain its specialized technological charter.
As reported in recent financial filings, Avidia's efficiency ratio has shown significant volatility, peaking at 73.9% in 2025Q3 before moderating to 50.1% in 2026Q1, which underscores the difficulty of managing a tech-forward banking platform within a traditional community bank cost structure.
The narrow NIM, which has hovered between 0.7% and 0.9%, suggests that the bank's funding cost advantages are being pressured by the competitive landscape and the need to maintain liquidity. The efficiency ratio trend warrants further investigation to determine if the recent improvement is a sustainable result of operational leverage or merely a temporary reduction in non-interest expenses.
Based on the latest quarterly data, Avidia's equity-to-assets ratio of 0.14 in 2026Q1 reflects a recovery from the 0.06 level seen in 2025Q2, indicating that the bank's capital adequacy is highly sensitive to the earnings volatility inherent in its specialized payment and fintech-partnered business model.
While the current capital position appears adequate for its current risk profile, the bank's reliance on retained earnings to bolster its equity base remains a constraint. Investors should monitor whether the bank's capital allocation strategy will prioritize further tech investment or focus on strengthening the balance sheet against potential regulatory or credit-related shocks.
As indicated by the bank's TTM P/E of -112.28, the price-to-earnings ratio is a fundamentally flawed metric for evaluating Avidia, as it is heavily distorted by non-recurring provision spikes and the high, front-loaded costs of scaling a specialized payment infrastructure.
Analysts should instead prioritize P/TBV and ROTCE to assess the underlying value of the bank's charter and its ability to generate returns on its tangible capital. Relying on P/E obscures the bank's true franchise value, which is tied to its sticky HSA deposit base and payment processing capabilities rather than short-term accounting earnings.
Includes 30+ ratios · 6 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying AVBC stock.
Avidia Bancorp, Inc.'s current P/E ratio is -117.5x. This places it at the 50th percentile of its historical range.
Avidia Bancorp, Inc.'s return on equity (ROE) is -1.1%. The historical average is 5.7%.
Based on historical data, Avidia Bancorp, Inc. is trading at a P/E of -117.5x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Avidia Bancorp, Inc. has 55.6% gross margin and -3.9% operating margin.