Avidia Bancorp, Inc. (AVBC) AI Stock Analysis

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank, providing financial services to individual and corporate customers. Its offerings include checking, savings, certificates of deposit, money market, individual retirement, and health savings accounts. The company provides consumer lending such as mortgages, home equity, and auto loans, alongside commercial mortgages, working capital lines of credit, and small business banking partnerships. In addition, Avidia Bancorp delivers cash management, merchant services, and payment processing, while investing in U.S. Treasury, government agency, municipal, and mortgage-backed securities.

Avidia Bancorp generated a 5-year revenue CAGR of 15.1% from FY2020 to FY2025. Annual revenue expanded from $87.1M in FY2021 to $124.6M in FY2023, $140.8M in FY2024, and $147.6M in FY2025. However, net income moved from $17.4M in FY2021 and $11.5M in FY2024 to net income of -$3.3M in FY2025, with operating margin falling to -3.9% and net margin to -2.2%. Profitability rebounded over the trailing twelve months, producing revenue of $108.2M, operating margin of 34.4%, profit margin of 16.3%, and EPS of $0.95. For the latest quarter ended June 30, 2026, quarterly revenue grew 16.9% year-over-year, and quarterly earnings grew 100.1%.

As of June 30, 2026, Avidia Bancorp held $19.2M in cash and short-term investments against total debt of $187.9M, resulting in net debt of $168.7M. Shareholders' equity was $389.5M, supporting total assets of $2.78B with a debt-to-equity ratio of 0.48. In FY2025, the company generated $28.4M in operating cash flow and $24.1M in free cash flow, while deploying capital toward $4.3M in capital expenditures and $16.1M in share buybacks.

Avidia Bancorp trades at a trailing P/E of 23.1x and a forward P/E of 14.6x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Its price-to-sales multiple is 3.8x versus the peer median of 3.2x, while its price-to-book ratio is 1.0x. The company has an enterprise value of $528.4M and an EV-to-revenue multiple of 5.3x. Over the past year, the stock returned 54.0%, outpacing the S&P 500 return of 16.8%, and is up 31.7% year-to-date.

Avidia Bancorp pays a quarterly dividend with an annualized forward rate of $0.16 per share, representing a dividend yield of 0.73%. The dividend payout ratio stands at 16.8%, and the company's most recent ex-dividend date was August 18, 2026.

Wall Street coverage consists of 2 Strong Buy ratings, 0 Buy ratings, 0 Hold ratings, and 0 Sell ratings. The mean price target is $25.50, representing an upside of 16.1% compared to the last close of $21.96. For the fiscal year ending December 31, 2026, analysts estimate EPS of $1.44 and revenue of $118.9M. The company beat EPS estimates in 2 of the last 4 quarters, and the next earnings date is October 22, 2026.

This page is an AI-written research summary of Avidia Bancorp, Inc. (AVBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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