TipRanks
Avidbank Holdings Inc (AVBH)
NASDAQ:AVBH
US Market
Want to see AVBH full AI Analyst Report?

Avidbank Holdings (AVBH) AI Stock Analysis

14 Followers

Top Page

AVBH

Avidbank Holdings

(NASDAQ:AVBH)

Select Model
Select Model
Select Model
Neutral 58 (OpenAI - Gpt-5.6Sol)
Rating:58Neutral
Price Target:
$33.00
▲(3.77% Upside)
Action:Reiterated
Date:10/27/26
Overall score reflects (1) financial-performance uncertainty driven by 2025 cash-flow collapse and operating-line volatility despite solid growth and improved leverage, (2) a neutral technical picture with modest support but no strong momentum signal, and (3) reasonable valuation (P/E ~10.5) plus a constructive, but not risk-free, outlook from the latest earnings call given margin and funding headwinds.
Positive Factors
Deleveraged balance sheet
The substantial reduction in leverage strengthens Avidbank’s ability to absorb credit losses and withstand operating volatility. A larger equity base also supports lending capacity and regulatory resilience, giving management greater flexibility to pursue commercial banking growth without relying as heavily on debt financing.
Negative Factors
Cash-flow deterioration
The abrupt loss of reported operating and free cash flow weakens confidence in the conversion of accounting earnings into usable liquidity. If persistent, weaker cash generation could reduce funding flexibility, constrain internally financed growth, and increase dependence on balance-sheet or capital-market resources.
Read all positive and negative factors
Positive Factors
Negative Factors
Deleveraged balance sheet
The substantial reduction in leverage strengthens Avidbank’s ability to absorb credit losses and withstand operating volatility. A larger equity base also supports lending capacity and regulatory resilience, giving management greater flexibility to pursue commercial banking growth without relying as heavily on debt financing.
Read all positive factors

Avidbank Holdings (AVBH) vs. SPDR S&P 500 ETF (SPY)

Avidbank Holdings Business Overview & Revenue Model

Company Description
Avidbank Holdings, Inc. serves as the parent company for Avidbank, a financial institution that delivers a broad spectrum of products and services to small and mid-sized businesses, professionals, and individuals. Its primary service area spans th...

Avidbank Holdings Earnings Call Summary

Earnings Call Date:Oct 26, 2026
(Q3-2026)
|
% Change Since: |
Next Earnings Date:Feb 01, 2027
Earnings Call Sentiment Positive
The call was broadly positive. Management reported stronger profitability, double-digit loan growth, meaningful core deposit growth, near-zero net charge-offs, solid capital ratios, and continued investment in future growth platforms. Offsetting concerns included margin compression, elevated construction payoffs, a temporary deposit balance expected to leave, modestly higher nonperforming loans, underlying expense growth, and potential funding-cost pressure. The stated outlook remained constructive, with management expecting a strong fourth quarter and continued long-term franchise development.
Positive Updates
Strong Third-Quarter Profitability
Management described the third quarter as very strong. Net income increased to $10.2 million, return on average assets improved to 1.42%, and the efficiency ratio was below 50%, demonstrating improved earnings power and benefits from investments in people and business lines.
Negative Updates
Net Interest Margin Compression
Net interest margin was 4.07%, down 19 basis points from the second quarter. Management estimated that 17 basis points of the decline resulted from higher average interest-earning cash balances, including the temporary deposits and overall strong deposit growth. On a normalized basis, margin was estimated to be down a couple of basis points from the prior quarter and closer to the low 4.20s before the September rate increase.
Read all updates
Q3-2026 Updates
Negative
Strong Third-Quarter Profitability
Management described the third quarter as very strong. Net income increased to $10.2 million, return on average assets improved to 1.42%, and the efficiency ratio was below 50%, demonstrating improved earnings power and benefits from investments in people and business lines.
Read all positive updates
Company Guidance
Management said Q4 should be “a pretty strong quarter,” with construction payoffs expected to remain elevated in the fourth quarter and actual loan growth dependent on what payoffs materialize; the construction headwind is expected to “begin to moderate and become more normalized.” The asset sensitive balance sheet is expected to benefit from the rate increase in the fourth quarter, deposit beta is expected to remain “below 50,” hopefully “closer to 40 somewhere,” and normalized margin was described as “closer to, you know, the low 420s” before the September rate increase. Fourth-quarter operating expenses are expected to be “flattish to maybe up slightly,” the existing 10 million of broker deposits will mature in the fourth quarter with possible additions for year end, hiring for the balance of the year will be “pretty modest,” SBA’s preferred lender status is expected “realistically” in Q1, HOA impact will be “pretty modest” this year with 2027 expected to be “much more impactful” on the balance sheet, and efficiency is expected to move down through a “slow incremental move” from “below 50” or “around 50 to down.” Loan yield is expected to be “flattish and move up” with rate increases, management hopes to keep margin stable, and the tax rate is expected to tick up next year to “mid-28.”

Avidbank Holdings Financial Statement Overview

Summary
Mixed fundamentals. Strong revenue growth and healthy reported net margins, plus a materially improved leverage profile, are offset by 2025 earnings-quality concerns (negative operating profitability despite positive net income) and a sharp deterioration in cash generation (operating cash flow and free cash flow reported at $0 in 2025).
Income Statement
56
Neutral
Balance Sheet
72
Positive
Cash Flow
28
Negative
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue68.37M74.20M77.14M67.86M75.24M52.77M
Gross Profit22.27M25.81M77.14M67.86M75.24M52.77M
EBITDA-19.63M-33.52M1.74M2.01M2.19M0.00
Net Income29.41M23.98M21.02M16.80M25.02M12.26M
Balance Sheet
Total Assets2.66B2.57B2.31B2.24B2.14B2.16B
Cash, Cash Equivalents and Short-Term Investments246.09M10.87M0.000.000.000.00
Total Debt22.00M22.00M214.69M392.33M167.64M37.53M
Total Liabilities2.36B2.29B2.12B2.07B2.00B2.03B
Stockholders Equity296.19M280.98M186.36M165.31M137.54M137.10M
Cash Flow
Free Cash Flow12.47M0.0022.64M36.16M28.12M16.21M
Operating Cash Flow12.41M0.0022.69M36.33M28.66M16.29M
Investing Cash Flow72.69M0.00-82.70M-62.69M-475.66M-478.44M
Financing Cash Flow-215.02M-82.70M61.31M60.47M950.00K725.46M

Avidbank Holdings Technical Analysis

Technical Analysis Sentiment
Positive
Last Price31.80
Price Trends
50DMA
31.47
Positive
100DMA
31.91
Negative
200DMA
30.46
Positive
Market Momentum
MACD
-0.02
Negative
RSI
55.56
Neutral
STOCH
74.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVBH, the sentiment is Positive. The current price of 31.8 is above the 20-day moving average (MA) of 31.15, above the 50-day MA of 31.47, and above the 200-day MA of 30.46, indicating a bullish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 55.56 is Neutral, neither overbought nor oversold. The STOCH value of 74.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AVBH.

Avidbank Holdings Risk Analysis

Avidbank Holdings disclosed 72 risk factors in its most recent earnings report. Avidbank Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Avidbank Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$406.87M9.8812.05%2.39%3.23%29.90%
71
Outperform
$392.75M9.1211.44%3.15%-3.81%-7.33%
70
Outperform
$329.80M13.519.16%1.20%5.41%29.77%
69
Neutral
$414.18M10.3413.69%4.09%2.06%24.58%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
$355.59M11.508.63%3.34%4.60%52.13%
58
Neutral
$346.49M10.523.36%―-32.49%-159.95%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AVBH
Avidbank Holdings
31.57
5.81
22.55%
FNLC
First Bancorp
36.70
12.62
52.39%
NECB
Northeast Community Bancorp
28.53
8.99
46.03%
WSBF
Waterstone Financial
19.78
4.96
33.44%
CZFS
Citizens Financial Services
84.59
30.89
57.51%
JMSB
John Marshall Bancorp
23.37
4.05
20.98%

Avidbank Holdings Corporate Events

Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Avidbank Holdings Reports Strong Third-Quarter 2026 Results
Positive
Oct 26, 2026
Avidbank Holdings, Inc. reported strong financial performance for the third quarter of 2026, posting net income of $10.2 million, or $0.94 per diluted share, up from $7.6 million in the prior quarter and reversing a $37.7 million loss in the third...
Business Operations and StrategyPrivate Placements and Financing
Avidbank Holdings Completes $30 Million Subordinated Notes Offering
Positive
Aug 27, 2026
On August 26, 2026, Avidbank Holdings completed a $30 million private placement of fixed-to-floating rate subordinated notes due 2036, issued at par with a 7.00% fixed rate through September 1, 2031, then resetting quarterly at three-month SOFR pl...
Business Operations and StrategyExecutive/Board Changes
Avidbank Names JD Dale President in Leadership Transition
Positive
Aug 3, 2026
On August 3, 2026, Avidbank Holdings, Inc. and its wholly owned subsidiary Avidbank appointed veteran commercial banker Jonathan M. “JD” Dale as President of both the holding company and the bank. He will report to long‑time Chai...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 27, 2026