Avidia Bancorp, Inc. (AVBC) Income Statement
AVBC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsAVBC revenue and net income
Where AVBC's revenue goes
2025Each bar shows an amount and its share of revenue. AVBC kept −2.2% of revenue as net income.
AVBC profit margins
AVBC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.9% | +18.4% | +15.1% | — |
| Gross profit | −7.2% | −2.6% | +2.4% | — |
| Operating income | −136.9% | — | — | — |
| Net income | −128.6% | — | — | — |
| EPS (diluted) | −131.6% | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
AVBC quarterly EPS vs estimates
Avidia Bancorp beat the analyst EPS estimate in 2 of the last 4 quarters. Next report: October 22, 2026 (estimate $0.38).
AVBC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Revenue | $147.6M | $140.8M | $124.6M | $88.9M | $87.1M | $73.0M |
| Cost of revenue | $65.5M | $52.3M | $41.7M | $0 | $0 | $0 |
| Gross profit | $82.1M | $88.5M | $82.9M | $88.9M | $87.1M | $73.0M |
| Sales, general & admin | $46.1M | $41.9M | $49.7M | — | — | — |
| Total operating expenses | $87.8M | $73.1M | $66.4M | — | — | — |
| Operating income | −$5.7M | $15.4M | $16.5M | $88.9M | $87.1M | $73.0M |
| Interest income | $130.6M | $123.7M | $111.1M | — | — | — |
| Interest expense | $44.0M | $50.5M | $39.8M | — | — | — |
| Income before taxes | −$5.7M | $15.4M | $16.5M | $12.3M | $23.0M | $15.1M |
| Income taxes | −$2.4M | $3.9M | $4.1M | $3.4M | $5.6M | $3.4M |
| Net income | −$3.3M | $11.5M | $12.4M | $9.0M | $17.4M | $11.7M |
| EBITDA | −$2.7M | $18.4M | $19.5M | — | — | — |
| EPS (diluted) | −$0.18 | $0.57 | — | — | — | — |
| Gross margin | 55.6% | 62.9% | 66.5% | 100.0% | 100.0% | 100.0% |
| Operating margin | −3.9% | 10.9% | 13.2% | 100.0% | 100.0% | 100.0% |
| Net margin | −2.2% | 8.2% | 10.0% | 10.1% | 19.9% | 16.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $39.1M | $37.9M | $37.5M | $38.4M | $37.1M | $34.8M | $33.5M | $35.0M | $33.3M | $34.7M |
| Cost of revenue | $10.2M | $10.7M | $11.4M | $12.0M | $12.3M | $29.5M | $11.7M | $15.4M | $12.3M | $12.9M |
| Gross profit | $29.0M | $27.2M | $26.1M | $26.4M | $24.8M | $5.3M | $21.8M | $19.6M | $21.1M | $21.8M |
| Sales, general & admin | $11.4M | $12.0M | $11.1M | $11.4M | $10.5M | $13.2M | $11.6M | $11.3M | $12.4M | $12.1M |
| Total operating expenses | $19.5M | $19.0M | $18.4M | $28.4M | $19.8M | $21.8M | $17.0M | $16.8M | $18.0M | $17.1M |
| Operating income | $9.5M | $8.2M | $7.7M | −$2.0M | $5.0M | −$16.5M | $4.8M | $2.7M | $3.1M | $4.8M |
| Interest income | $33.2M | $33.6M | $33.8M | $33.9M | $31.9M | $31.0M | $31.5M | $31.5M | $30.9M | $29.8M |
| Interest expense | $9.3M | $9.6M | $10.1M | $10.4M | $11.2M | $11.8M | $12.4M | $13.2M | $12.6M | $12.3M |
| Income before taxes | $9.5M | $8.2M | $7.7M | −$2.0M | $5.0M | −$16.5M | $4.8M | $2.7M | $3.1M | $4.8M |
| Income taxes | $2.3M | $2.2M | $2.4M | −$1.0M | $1.2M | −$4.9M | $1.3M | $667,000 | $759,000 | $1.2M |
| Net income | $7.2M | $6.0M | $5.3M | −$907,000 | $3.9M | −$11.6M | $3.5M | $2.1M | $2.4M | $3.5M |
| EBITDA | $9.5M | $8.2M | $8.5M | −$1.2M | $5.8M | −$15.7M | $5.6M | $3.5M | $3.8M | $5.5M |
| EPS (diluted) | $0.39 | $0.32 | $0.29 | −$0.05 | $0.20 | −$0.62 | — | — | — | — |
| Gross margin | 74.0% | 71.7% | 69.7% | 68.8% | 66.8% | 15.3% | 65.0% | 56.0% | 63.2% | 62.9% |
| Operating margin | 24.2% | 21.6% | 20.7% | −5.1% | 13.6% | −47.5% | 14.3% | 7.8% | 9.3% | 13.7% |
| Net margin | 18.3% | 15.8% | 14.2% | −2.4% | 10.4% | −33.3% | 10.5% | 5.9% | 7.1% | 10.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in AVBC's financial statements (latest annual report filed March 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
AVBC financial results
In fiscal year 2025 (ended December 31, 2025), Avidia Bancorp reported revenue of $147.6 million, up 4.9% from the year before. It had a net loss of $3.3 million, a net profit margin of −2.2%. Diluted earnings per share came to −$0.18. Over five years revenue grew at an average rate of 15.1% a year.
See the AVBC stock overview for the latest quote and news, or the AVBC chart for price history and technical indicators.
AVBC income statement FAQ
What is Avidia Bancorp's annual revenue?
Avidia Bancorp reported total revenue of $147.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.9% from $140.8 million the previous year.
Is Avidia Bancorp profitable?
No. Avidia Bancorp reported a net loss of $3.3 million in fiscal 2025, a net profit margin of −2.2%; its operating margin was −3.9%.
What is Avidia Bancorp's gross margin?
Avidia Bancorp's gross margin was 55.6% in fiscal 2025: for every $100 of revenue, Avidia Bancorp kept $56 after the direct cost of its products and services.
How fast is Avidia Bancorp growing?
Revenue grew 15.1% a year on average over the last five fiscal years, from $73.0 million to $147.6 million.
What are Avidia Bancorp's earnings per share?
Avidia Bancorp earned $-0.18 per diluted share in fiscal 2025, compared with $0.57 a year earlier.
When will Avidia Bancorp report its next earnings?
Avidia Bancorp is expected to report results for the quarter ending September 30, 2026 on October 22, 2026.
When does Avidia Bancorp's fiscal year end?
Avidia Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 27, 2026.