Avidbank Holdings, Inc. (AVBH) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
0.87
↑+20% vs avg
5yr avg: 0.73
30Y Low0.7·High0.7
ROE
↑
10.3%
-16% vs avg
5yr avg: 12.2%
30Y Low-13%·High18%
Debt/EBITDA
↑
N/A
—
5yr avg: 6.57
30Y Low0.7·High14.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AVBH Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Avidbank Holdings, Inc. trades at 10.3x earnings, 20% above its 5-year average of 8.5x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 24%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $278M | $204M | — | — | — | — | — | — | — | — | — |
| Enterprise Value | $292M | $218M | — | — | — | — | — | — | — | — | — |
| P/E Ratio → | 10.28 | 8.54 | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 3.75 | 2.75 | — | — | — | — | — | — | — | — | — |
| P/B Ratio | 0.87 | 0.73 | — | — | — | — | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
AVBH EV Ratios
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 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.94 | — | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
AVBH Profitability
Margins and return-on-capital ratios measuring operating efficiency
Avidbank Holdings, Inc. earns an operating margin of -34.8%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 40.4% to -34.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.3% is modest.
Margins
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 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 34.8% | 34.8% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 84.1% | 86.0% | 86.4% | 90.5% |
| Operating Margin | -34.8% | -34.8% | 43.5% | 40.4% | 56.0% | 43.8% | 39.6% | 32.6% | 34.1% | 30.7% | 36.9% |
| Net Profit Margin | 32.3% | 32.3% | 27.2% | 24.8% | 33.3% | 23.2% | 21.0% | 23.5% | 24.5% | 16.0% | 24.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.3% | 10.3% | 12.0% | 11.1% | 18.2% | 9.3% | 7.9% | 11.9% | 11.7% | 7.4% | 12.2% |
| ROA | 1.0% | 1.0% | 0.9% | 0.8% | 1.2% | 0.7% | 0.8% | 1.3% | 1.3% | 0.8% | 1.2% |
| ROIC | -5.5% | -5.5% | 5.3% | 4.8% | 13.2% | 10.1% | 8.9% | 10.7% | 9.5% | 7.9% | 11.5% |
| ROCE | -1.1% | -1.1% | 1.5% | 5.1% | 13.2% | 8.6% | 9.2% | 14.3% | 12.7% | 10.5% | 3.2% |
AVBH Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $14M ($22M total debt minus $8M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 1.15 | 2.37 | 1.22 | 0.27 | 0.32 | 0.19 | 0.12 | 0.47 | 0.18 |
| Debt / EBITDA | — | — | 6.39 | 14.29 | 3.98 | 1.62 | 2.24 | 1.13 | 0.71 | 3.42 | 0.93 |
| Net Debt / Equity | — | 0.05 | 1.15 | 2.37 | 1.22 | 0.27 | 0.32 | -1.13 | -0.16 | 0.09 | -0.14 |
| Net Debt / EBITDA | — | — | 6.39 | 14.29 | 3.98 | 1.62 | 2.24 | -6.85 | -0.95 | 0.69 | -0.69 |
| Debt / FCF | — | — | 9.48 | 10.85 | 5.96 | 2.32 | 2.75 | -9.38 | -1.11 | 1.59 | -1.78 |
| Interest Coverage | -0.82 | -0.82 | — | 1.83 | 29.24 | 18.67 | 14.63 | 2.44 | 3.27 | 3.84 | 5.47 |
AVBH Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | 0.05 | 0.03 | 0.26 | 0.20 | 0.24 | 0.12 | 0.19 | 0.21 |
| Quick Ratio | — | — | — | 0.05 | 0.03 | 0.26 | 0.20 | 0.24 | 0.12 | 0.19 | 0.21 |
| Cash Ratio | — | — | — | — | — | — | — | 0.15 | 0.03 | 0.05 | 0.04 |
| Asset Turnover | — | 0.03 | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AVBH Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Avidbank Holdings, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 9.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.7% | 11.7% | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | $5M |
Peer Comparison
Compare AVBH with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AVBHYou | $278M | 10.3 | — | — | 34.8% | -34.8% | 10.3% | -5.5% | — |
 HTBK | $828M | 17.2 | 11.9 | 13.6 | 72.6% | 25.4% | 6.8% | 6.9% | 0.6 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BANR | $2B | 11.5 | 9.4 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 PFBC | $1B | 9.5 | 4.1 | 7.2 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 HAFC | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 BCAL | $635M | 10.2 | 7.4 | 11.1 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 SMBC | $805M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 19 years · Updated daily
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AVBH — Frequently Asked Questions
Quick answers to the most common questions about buying AVBH stock.
What is Avidbank Holdings, Inc.'s P/E ratio?
Avidbank Holdings, Inc.'s current P/E ratio is 10.3x. The historical average is 8.5x. This places it at the 100th percentile of its historical range.
What is Avidbank Holdings, Inc.'s ROE?
Avidbank Holdings, Inc.'s return on equity (ROE) is 10.3%. The historical average is 6.8%.
Is AVBH stock overvalued?
Based on historical data, Avidbank Holdings, Inc. is trading at a P/E of 10.3x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Avidbank Holdings, Inc.'s profit margins?
Avidbank Holdings, Inc. has 34.8% gross margin and -34.8% operating margin.