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Avidbank Holdings, Inc.(AVBH)Earnings, Financials & Key Ratios
AVBH•NASDAQ•Banking & Credit
10.3× P/E·Price updated Jun 19, 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%
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 near 52-week high
- ✓Trading at only 0.9x 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.
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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
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.84+5.0%
$0.80
Rev
$28M-0.5%
$28M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.65-14.5%
$0.76
Rev
$27M+3.1%
$26M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.72-6.5%
$0.77
Rev
$24M-190.9%
$26M
Q3 2025
Aug 25, 2025Metric
Actual
Est
EPS
$0.75+0.0%
$0.75
Rev
$37M+65.7%
$22M
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HTBK | 828.43M | 13.45 | 17.24 | 5.84% | 17.97% | 6.83% | 0.06 | |
 BSVN | 438.24M | 45.65 | 10.14 | -3.87% | 31.38% | 18.21% | ||
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 PFBC | 1.21B | 99.04 | 9.51 | -4.11% | 26.59% | 17.29% | 0.49 | |
 HAFC | 932.95M | 31.21 | 12.43 | 3.55% | 17.12% | 9.85% | 0.35 | |
 BCAL | 634.69M | 19.74 | 10.23 | 26.23% | 27.06% | 11.36% | 0.12 |
Compare AVBH vs Peers
Avidbank Holdings, Inc. (AVBH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AVBH Income Statement
Avidbank Holdings, Inc. (AVBH) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
AVBH Balance Sheet
Avidbank Holdings, Inc. (AVBH) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
AVBH Cash Flow Statement
Avidbank Holdings, Inc. (AVBH) cash flow — operating, investing & free cash flow history
| Metric | 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% |
AVBH Banking Ratios
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% | - |
Related:AVBH Dividend History·AVBH Revenue History·AVBH Price History·AVBH P/E History·AVBH Financial Ratios·AVBH Institutional Holders
AVBH SEC Filings & Documents
Avidbank Holdings, Inc. (AVBH) SEC filings — annual & quarterly reports (10-K, 10-Q)
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.