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AVIDIA BANCORP INC (AVBC) Stock Fundamental Analysis

NYSE:AVBC - US05369T1007 - Common Stock

15.47 USD
-0.09 (-0.58%)
Last: 8/29/2025, 8:07:20 PM
Fundamental Rating

2

AVBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. AVBC has a bad profitability rating. Also its financial health evaluation is rather negative. AVBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

AVBC had positive earnings in the past year.
AVBC Yearly Net Income VS EBIT VS OCF VS FCFAVBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 20M 40M 60M

1.2 Ratios

AVBC has a worse Return On Assets (0.39%) than 79.55% of its industry peers.
AVBC's Return On Equity of 6.00% is on the low side compared to the rest of the industry. AVBC is outperformed by 69.95% of its industry peers.
The Return On Invested Capital of AVBC (1.68%) is better than 98.99% of its industry peers.
Industry RankSector Rank
ROA 0.39%
ROE 6%
ROIC 1.68%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AVBC Yearly ROA, ROE, ROICAVBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 2 4 6

1.3 Margins

The Profit Margin of AVBC (8.98%) is worse than 84.34% of its industry peers.
With an excellent Operating Margin value of 51.80%, AVBC belongs to the best of the industry, outperforming 99.49% of the companies in the same industry.
Industry RankSector Rank
OM 51.8%
PM (TTM) 8.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AVBC Yearly Profit, Operating, Gross MarginsAVBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 10 20 30 40 50

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3

2. Health

2.1 Basic Checks

The number of shares outstanding for AVBC remains at a similar level compared to 1 year ago.
Compared to 1 year ago, AVBC has an improved debt to assets ratio.
AVBC Yearly Shares OutstandingAVBC Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 5M 10M 15M 20M
AVBC Yearly Total Debt VS Total AssetsAVBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

Based on the Altman-Z score of -0.70, we must say that AVBC is in the distress zone and has some risk of bankruptcy.
AVBC's Altman-Z score of -0.70 is amongst the best of the industry. AVBC outperforms 98.74% of its industry peers.
AVBC has a Debt/Equity ratio of 14.27. This is a high value indicating a heavy dependency on external financing.
AVBC's Debt to Equity ratio of 14.27 is on the low side compared to the rest of the industry. AVBC is outperformed by 97.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 14.27
Debt/FCF N/A
Altman-Z -0.7
ROIC/WACCN/A
WACCN/A
AVBC Yearly LT Debt VS Equity VS FCFAVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 100M 200M 300M 400M

2.3 Liquidity

A Current Ratio of 0.01 indicates that AVBC may have some problems paying its short term obligations.
AVBC has a Current ratio of 0.01. This is amongst the best in the industry. AVBC outperforms 98.74% of its industry peers.
AVBC has a Quick Ratio of 0.01. This is a bad value and indicates that AVBC is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.01, AVBC belongs to the top of the industry, outperforming 98.74% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
AVBC Yearly Current Assets VS Current LiabilitesAVBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 500M 1B 1.5B 2B

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1

3. Growth

3.1 Past

AVBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.68%.
The Revenue has grown by 10.29% in the past year. This is quite good.
EPS 1Y (TTM)-7.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)10.29%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AVBC Yearly Revenue VS EstimatesAVBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 20M 40M 60M 80M 100M

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 27.14, AVBC can be considered very expensive at the moment.
Based on the Price/Earnings ratio, AVBC is valued expensively inside the industry as 84.09% of the companies are valued cheaper.
AVBC is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.14
Fwd PE N/A
AVBC Price Earnings VS Forward Price EarningsAVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, AVBC is valued cheaper than 98.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.34
AVBC Per share dataAVBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for AVBC!.
Industry RankSector Rank
Dividend Yield N/A

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AVIDIA BANCORP INC

NYSE:AVBC (8/29/2025, 8:07:20 PM)

15.47

-0.09 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner Change22.04%
Market Cap0
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 27.14
Fwd PE N/A
P/S 2.43
P/FCF N/A
P/OCF N/A
P/B 1.62
P/tB 1.76
EV/EBITDA 8.34
EPS(TTM)0.57
EY3.68%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.37
BVpS9.53
TBVpS8.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.39%
ROE 6%
ROCE 12.78%
ROIC 1.68%
ROICexc 1.69%
ROICexgc 1.7%
OM 51.8%
PM (TTM) 8.98%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 14.27
Debt/FCF N/A
Debt/EBITDA 39.45
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z -0.7
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.29%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y24.26%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y63.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y48.85%
OCF growth 3YN/A
OCF growth 5YN/A