Avidia Bancorp, Inc. (AVBC) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 133.17K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.64
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 250
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 20,076,250
• 10 Day Avg. Volume: 56,465
• 30 Day Avg. Volume: 133,167
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: $16.00 ▲(6.67% Upside)

Avidia Bancorp, Inc. receives an overall score of 59, reflecting a moderate financial performance with stable operational efficiency and reduced leverage. However, stagnant revenue and cash flow growth, along with declining profitability, are concerns. Technical analysis shows mixed signals, and the absence of valuation metrics limits a comprehensive assessment. The lack of earnings call and corporate events data further constrains the analysis.

Avidia Bancorp, Inc. Business Overview & Revenue Model

Company Description

Avidia Bancorp, Inc. (AVBC) is a financial holding company that operates primarily through its subsidiary, Avidia Bank. Headquartered in Hudson, Massachusetts, the company provides a range of banking and financial services to individuals, businesses, and institutions. Avidia Bank offers products such as checking and savings accounts, loans, mortgages, and investment services, focusing on community banking while serving the needs of local customers and businesses in its geographic area.

How the Company Makes Money

Avidia Bancorp generates revenue primarily through interest income and non-interest income. Interest income is derived from the interest earned on loans, including commercial, residential, and consumer loans, as well as interest from investment securities. Non-interest income includes fees from various banking services, such as account maintenance, transaction fees, and wealth management services. The bank also earns income from mortgage origination and servicing. Avidia Bancorp's revenue model is supported by a strong customer base and effective management of interest rate risk, while partnerships with local businesses and community organizations help enhance its service offerings and customer engagement.

Avidia Bancorp, Inc. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2023
Income Statement
Total Revenue	136.52M	124.65M
Gross Profit	84.27M	82.94M
EBITDA	18.41M	19.55M
Net Income	11.48M	12.44M
Balance Sheet
Total Assets	2.66B	2.60B
Cash, Cash Equivalents and Short-Term Investments	329.37M	318.83M
Total Debt	352.68M	428.54M
Total Liabilities	2.46B	2.42B
Stockholders Equity	193.83M	180.80M
Cash Flow
Free Cash Flow	20.45M	12.48M
Operating Cash Flow	23.22M	15.60M
Investing Cash Flow	-71.09M	-111.75M
Financing Cash Flow	39.97M	88.64M

Avidia Bancorp, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	72 Outperform	$48.61M	10.75	8.21%	3.39%	0.32%	37.93%
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.08%	16.08%	739.42%
FUSB	71 Outperform	$74.36M	13.91	5.50%	2.06%	1.28%	-35.83%
BOTJ	68 Neutral	$75.06M	9.48	10.86%	2.35%	6.17%	-6.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBC	59 Neutral	―	―	―	―	―	―
GLBZ	46 Neutral	$13.60M	521.11	0.13%	―	5.76%	-72.73%

Avidia Bancorp, Inc. Corporate Events

Avidia Bancorp Appoints Michael Gilles to Board

On September 25, 2025, Avidia Bancorp, Inc. appointed Michael O. Gilles to its Board of Directors, as well as to the Board of Directors of its subsidiary, Avidia Bank. Mr. Gilles, a seasoned financial services executive with over 45 years of community banking experience, will also serve on the Audit Committee. His appointment is expected to bring valuable financial expertise and insights as Avidia transitions to a public company. Mr. Gilles’ extensive background in financial management, internal controls, and risk management is anticipated to strengthen the company’s strategic direction and operational effectiveness.