Avidia Bancorp, Inc. (AVBC) Key Metrics
AVBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $405.6M
- Enterprise value
- $528.4M
- P/E (TTM)
- 23.1
- Forward P/E
- 14.6
- PEG ratio
- —
- Price / sales
- 3.8
- Price / book
- 1.0
- EV / EBITDA
- —
- Dividend yield
- 0.73% $0.16 a year
- Beta
- —
AVBC key metrics, 2020–2025
Fiscal year ended December 31, 2025 · U.S. dollarsAVBC returns How much profit the business earns on the capital it uses.
AVBC per-share figures Results divided by the shares outstanding at year-end.
AVBC financial health Debt, liquidity and how easily interest is covered.
AVBC efficiency & capital use Working capital cycle and where the cash goes.
AVBC valuation history
AVBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AVBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AVBC cash returned to shareholders
AVBC price vs earnings per share
AVBC key metrics
2020–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| Market capitalization | $311.5M | — | — | — | — | — |
| Enterprise value | $583.4M | — | — | — | — | — |
| Price / sales | 2.1 | — | — | — | — | — |
| Price / book | 0.8 | — | — | — | — | — |
| Price / free cash flow | 12.9 | — | — | — | — | — |
| Price / operating cash flow | 11.0 | — | — | — | — | — |
| EV / sales | 4.0 | — | — | — | — | — |
| EV / free cash flow | 24.2 | — | — | — | — | — |
| Earnings yield | −1.1% | — | — | — | — | — |
| Free cash flow yield | 7.7% | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 5.2% | — | — | — | — | — |
| Share price at fiscal year-end | $16.81 | — | — | — | — | — |
| Per share | ||||||
| Revenue per share | $7.97 | $7.01 | $6.21 | $4.43 | $4.34 | $3.63 |
| Earnings per share | −$0.18 | $0.57 | $0.62 | $0.45 | $0.86 | $0.58 |
| Operating cash flow per share | $1.53 | $1.16 | $0.78 | — | — | — |
| Free cash flow per share | $1.30 | $1.02 | $0.62 | — | — | — |
| Cash per share | $0.86 | $16.41 | $15.88 | $3.88 | $15.48 | $6.76 |
| Book value per share | $20.45 | $9.65 | $9.01 | $8.03 | $9.12 | $8.58 |
| Tangible book value per share | $19.64 | $8.89 | $8.25 | $7.43 | $8.53 | $7.99 |
| Capex per share | $0.23 | $0.14 | $0.16 | $0.00 | $0.00 | $0.00 |
| Debt per share | $15.53 | $17.57 | $21.35 | $16.13 | $3.10 | $2.23 |
| Shares outstanding | 18.5M | 20.1M | 20.1M | 20.1M | 20.1M | 20.1M |
| Change in shares outstanding | −7.7% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Returns & profitability | ||||||
| Return on equity (ROE) | −1.1% | 6.1% | 7.3% | 5.2% | 9.8% | 6.8% |
| Return on invested capital (ROIC) | −1.0% | 4.5% | 3.6% | 37.8% | — | 69.3% |
| Return on assets (ROA) | −0.1% | 0.4% | 0.5% | 0.4% | 0.8% | 0.6% |
| Return on tangible assets | −0.1% | 0.4% | 0.5% | 0.4% | 0.8% | 0.6% |
| Free cash flow margin | 16.3% | 14.5% | 10.0% | — | — | — |
| Income quality (OCF / net income) | — | 2.02 | 1.25 | — | — | — |
| Financial health | ||||||
| Total debt | $287.8M | $352.7M | $428.5M | $323.9M | $62.2M | $44.9M |
| Cash & short-term investments | $15.9M | $329.4M | $318.8M | $77.9M | $310.7M | $135.6M |
| Net debt | $271.9M | $23.3M | $109.7M | $246.1M | −$248.5M | −$90.8M |
| Debt / equity | 0.76 | 1.82 | 2.37 | 2.01 | 0.34 | 0.26 |
| Debt / assets | 0.10 | 0.13 | 0.16 | 0.13 | 0.03 | 0.02 |
| Net debt / EBITDA | — | 1.27 | 5.61 | — | — | — |
| Current ratio | 0.02 | 0.15 | 0.15 | — | — | — |
| Quick ratio | 0.02 | 0.15 | 0.15 | — | — | — |
| Interest coverage | -0.1 | 0.3 | 0.4 | — | — | — |
| Working capital | −$1.36B | −$1.89B | −$1.87B | — | — | — |
| Invested capital | $650.9M | $217.1M | $290.5M | $407.2M | −$65.4M | $81.5M |
| Tangible asset value | $364.0M | $178.4M | $165.5M | $149.2M | $171.2M | $160.3M |
| Net current asset value | −$2.43B | −$2.12B | −$2.09B | −$2.25B | −$1.82B | −$1.71B |
| Graham number | — | $11.15 | $11.21 | $8.98 | $13.32 | $10.60 |
| Graham net-net per share | −$131.44 | −$105.93 | −$104.21 | −$111.84 | −$90.83 | −$85.17 |
| Capital allocation | ||||||
| Share buybacks (net) | $16.1M | $0 | — | — | — | — |
| Dividends + buybacks / free cash flow | 66.7% | 0.0% | — | — | — | — |
| Capex / revenue | 2.9% | 2.0% | 2.5% | 0.0% | 0.0% | 0.0% |
| Capex / operating cash flow | 15.1% | 11.9% | 20.0% | — | — | — |
| Capex / depreciation | 1.43 | 0.92 | 1.03 | — | — | — |
| Stock-based compensation / revenue | 0.7% | 0.0% | — | — | — | — |
| SG&A / revenue | 31.2% | 29.8% | 39.9% | — | — | — |
| Efficiency | ||||||
| Days sales outstanding | 21.6 | 22.7 | 25.2 | — | — | — |
| Receivables turnover | 16.93 | 16.07 | 14.46 | — | — | — |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $8.7M | $8.8M | $8.6M | — | — | — |
| Intangibles / total assets | 0.5% | 0.6% | 0.6% | 0.5% | 0.5% | 0.6% |
Computed from AVBC's annual financial statements (latest annual report filed March 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
AVBC valuation and financial ratios
Based on the latest twelve months, the trailing P/E is 23.1 and the forward P/E is 14.6. Avidia Bancorp earned a return on equity of −1.1% and a return on invested capital of −1.0% in fiscal 2025. It ended the year with $287.8 million of debt and $15.9 million in cash and short-term investments, net debt of $271.9 million. It returned $16.1 million to shareholders: $0 in dividends and $16.1 million in share buybacks, 67% of free cash flow. The share count fell 7.7% from 20.1M to 18.5M over 5 years.
See the AVBC income statement, the AVBC chart for price history, or the AVBC stock overview for the latest quote and news.
AVBC key metrics FAQ
What is Avidia Bancorp's P/E ratio?
Avidia Bancorp's trailing P/E ratio is 23.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 14.6. At the end of fiscal 2025 it was —.
What is Avidia Bancorp's return on equity?
Avidia Bancorp's return on equity (ROE) was −1.1% in fiscal 2025: net income of -$3.3 million on average shareholders' equity of $286.4 million.
What is Avidia Bancorp's ROIC?
Avidia Bancorp's return on invested capital was −1.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Avidia Bancorp have?
Avidia Bancorp had total debt of $287.8 million at the end of fiscal 2025, a debt-to-equity ratio of 0.76.
Does Avidia Bancorp buy back its shares?
Yes. Avidia Bancorp spent $16.1 million on net share repurchases in fiscal 2025 Shares outstanding changed −7.7% over the year, to 18.5M..
What is Avidia Bancorp's free cash flow yield?
Avidia Bancorp generated $24.1 million of free cash flow in fiscal 2025, a free cash flow yield of 7.7% on its market value at year-end ($311.5 million).
What is Avidia Bancorp's current ratio?
Avidia Bancorp's current ratio was 0.02 at the end of fiscal 2025: current assets were 0.02 times current liabilities.