Avidia Bancorp, Inc. (AVBC)
Valuation Overview•Is Avidia Bancorp, Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Fragile underlying quality score of 24/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Highly distressed profile flashing severe fundamental warning signs.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. The company currently retains all capital for reinvestment and growth rather than returning it to shareholders.
AVBC struggles with subpar profitability and pressured margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. However, profitability remains a major concern with severely compressed operating margins (-3.8%).
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $37.5M | +4.9% | — | — | — | |
| EBITDA | $7.7M | — | — | — | — | |
| Net Income | $5.3M | -128.6% | — | — | — | |
| EPS (Diluted) | $0.29 | -131.6% | — | — | — | |
| Free Cash Flow | $0.00 | -100.0% | — | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 55.9% | 61.7% | 77.0% | 80.8% |
| Operating Margin | -3.8% | 6.8% | 44.1% | 53.4% |
| Net Margin | -2.2% | 5.3% | 9.2% | 10.3% |
| FCF Margin | 10.9% | 12.3% | 12.3% | 12.3% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.30 | $0.32 | +6.7% | ||
| Q1'26 | $0.30 | $0.29 | -3.3% | ||
| Q3'25 | $0.16 | $0.19 | +20.6% | ||
| Q1'25 | — | $-0.58 | — | ||
| Q2'24 | — | $0.12 | — | ||
| Q1'24 | — | $0.18 | — |
Total return is +38.3% (1Y), outperforming the benchmark by +13.3%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +22.5% | +13.2% | — |
| 1Y | +38.3% | +13.3% | +0.7% |
| 3YCAGR | +11.4% | -9.1% | +0.7% |
| 5YCAGR | +6.7% | -6.4% | +0.7% |
| 10YCAGR | +3.3% | -10.6% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Avidia Bancorp, Inc. (AVBC) valuation, health, and returns.
Based on peer relative multiples, Avidia Bancorp, Inc. appears Slightly expensive versus peers compared to industry peers.
Avidia Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $18.26. A convergence of these signals offers higher conviction.
Avidia Bancorp, Inc. displays weak financial health with a composite quality score of 24/100, supported by a Piotroski F-Score of 3/9, Return on Invested Capital (ROIC) of -0.7%.
Avidia Bancorp, Inc. does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
Avidia Bancorp, Inc.'s current growth trajectory is Stable. The company achieved +4.9% 1Y revenue growth and -131.6% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Avidia Bancorp, Inc. include: -12.1% 1-year max drawdown. Volatility risk is characterized by a beta of 0.51x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.