Avidbank Holdings, Inc. (AVBH) AI Stock Analysis

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank, offering financial solutions and services. Its deposit products include business and personal checking, money market, savings accounts, and certificates of deposit. The company provides a broad range of lending products, including working capital lines of credit, equipment loans, acquisition financing, ESOP loans, owner-occupied real estate loans, sponsor finance, and venture lending. It also offers commercial real estate, asset-based, and construction lending, alongside private equity and venture capital financing solutions. Ancillary services include treasury management, ACH origination, merchant services, wire transfers, corporate cards, and fraud mitigation tools.

Between FY2020 and FY2025, Avidbank grew revenue at a 5-year CAGR of 10.1%, ending FY2025 at $74.2M, down 3.8% from $77.1M in FY2024. In FY2025, net income was $24.0M, delivering EPS of $2.83 and an operating cash flow of $39.0M, with free cash flow of $38.9M. For the trailing twelve months ended June 30, 2026, revenue stood at $37.8M with an operating margin of 38.9%, a profit margin of -37.3%, and EPS of -$1.54. In the latest quarter ended June 30, 2026, quarterly revenue grew 28.9% year-over-year, while quarterly earnings declined 5.3%.

As of June 30, 2026, Avidbank held $246.1M in cash and short-term investments against total debt of $22.0M, resulting in net cash of $224.1M. Shareholders' equity was $296.2M out of $2.66B in total assets. The bank has a debt-to-equity ratio of 0.07 and a current ratio of 0.11. In FY2025, the company used capital for $93,000 in capital expenditures and completed $1.5M in share buybacks, while the five-year share count increased by 76.6%.

At a share price of $30.93 as of October 16, 2026, Avidbank trades at a market cap of $339.7M and an enterprise value of $352.7M. It carries a price-to-sales ratio of 9.0x, which is above the 3.2x median of its US-listed Financial Services peers. Its price-to-book multiple is 1.2x, and EV-to-revenue is 7.9x. The stock has delivered a 1-year return of 24.4% versus 16.8% for the S&P 500, but its 5-year return of 36.0% trails the S&P 500 return of 83.0%.

Wall Street coverage includes 4 Strong Buy ratings and 1 Buy rating, with no Hold, Sell, or Strong Sell recommendations. The mean price target is $38.80, representing an upside of 25.4% over the last close of $30.93. For the fiscal year ending December 31, 2026, analysts estimate revenue of $115.9M and EPS of $3.37, representing 20.4% earnings growth. Over the last four quarters, the bank has beaten EPS estimates once. The next earnings date is October 26, 2026.

This page is an AI-written research summary of Avidbank Holdings, Inc. (AVBH). 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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