AVIDIA BANCORP INC (AVBC) Stock Fundamental Analysis

NYSE:AVBC • US05369T1007

18.73 USD
-0.11 (-0.58%)
At close: Feb 27, 2026
18.73 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall AVBC gets a fundamental rating of 2 out of 10. We evaluated AVBC against 379 industry peers in the Banks industry. Both the profitability and financial health of AVBC have multiple concerns. AVBC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • AVBC had negative 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 2025 0 20M 40M 60M

1.2 Ratios

  • AVBC's Return On Assets of 0.10% is on the low side compared to the rest of the industry. AVBC is outperformed by 88.92% of its industry peers.
  • With a Return On Equity value of 0.77%, AVBC is not doing good in the industry: 88.92% of the companies in the same industry are doing better.
  • AVBC's Return On Invested Capital of 2.33% is amongst the best of the industry. AVBC outperforms 99.21% of its industry peers.
Industry RankSector Rank
ROA 0.1%
ROE 0.77%
ROIC 2.33%
ROA(3y)0.27%
ROA(5y)N/A
ROE(3y)3.98%
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 2025 0 2 4 6

1.3 Margins

  • AVBC has a Profit Margin of 1.25%. This is amonst the worse of the industry: AVBC underperforms 89.45% of its industry peers.
  • AVBC has a Operating Margin of 37.93%. This is amongst the best in the industry. AVBC outperforms 98.94% of its industry peers.
Industry RankSector Rank
OM 37.93%
PM (TTM) 1.25%
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 2025 0 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 2025 5M 10M 15M 20M
AVBC Yearly Total Debt VS Total AssetsAVBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.51, we must say that AVBC is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of -0.51, AVBC belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
  • A Debt/Equity ratio of 5.67 is on the high side and indicates that AVBC has dependencies on debt financing.
  • AVBC has a Debt to Equity ratio of 5.67. This is amonst the worse of the industry: AVBC underperforms 96.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.67
Debt/FCF N/A
Altman-Z -0.51
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 2025 100M 200M 300M

2.3 Liquidity

  • AVBC has a Current 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.
  • AVBC has a better Current ratio (0.01) than 98.68% 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.
  • With an excellent Quick ratio value of 0.01, AVBC belongs to the best of the industry, outperforming 98.68% 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 2025 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • AVBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -131.03%.
  • Looking at the last year, AVBC shows a very negative growth in Revenue. The Revenue has decreased by -18.99% in the last year.
EPS 1Y (TTM)-131.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-49.7%
Revenue 1Y (TTM)-18.99%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-78.63%

3.2 Future

  • Based on estimates for the next years, AVBC will show a very strong growth in Earnings Per Share. The EPS will grow by 136.64% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y416%
EPS Next 2Y136.64%
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 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 2025 20M 40M 60M 80M 100M
AVBC Yearly EPS VS EstimatesAVBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.5 1

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for AVBC. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 14.23, the valuation of AVBC can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AVBC indicates a slightly more expensive valuation: AVBC is more expensive than 73.35% of the companies listed in the same industry.
  • AVBC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 14.23
AVBC Price Earnings VS Forward Price EarningsAVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AVBC Per share dataAVBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as AVBC's earnings are expected to grow with 136.64% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y136.64%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.06%, AVBC has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 1.06, AVBC pays less dividend than the industry average, which is at 2.74. 81.79% of the companies listed in the same industry pay a better dividend than AVBC!
  • With a Dividend Yield of 1.06, AVBC pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.06%

5.2 History

  • AVBC is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
AVBC Yearly Dividends per shareAVBC Yearly Dividends per shareYearly Dividends per share 2026 0.01 0.02 0.03 0.04

5.3 Sustainability

DPN/A
EPS Next 2Y136.64%
EPS Next 3YN/A
AVBC Yearly Income VS Free CF VS DividendAVBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2023 2024 2025 0 5M 10M 15M 20M

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AVIDIA BANCORP INC

NYSE:AVBC (2/27/2026, 8:04:00 PM)

After market: 18.73 0 (0%)

18.73

-0.11 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)05-11
Inst Owners28.23%
Inst Owner Change-9.96%
Ins Owners0.95%
Ins Owner Change14.92%
Market Cap0
Revenue(TTM)129.27M
Net Income(TTM)2.86M
Analysts82.86
Price Target22.44 (19.81%)
Short Float %N/A
Short Ratio1.25
Dividend
Industry RankSector Rank
Dividend Yield 1.06%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date02-17
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)10%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.2%
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 N/A
Fwd PE 14.23
P/S 1.51
P/FCF N/A
P/OCF N/A
P/B 0.93
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)-0.15
EYN/A
EPS(NY)1.32
Fwd EY7.03%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.4
BVpS20.08
TBVpS19.26
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.1%
ROE 0.77%
ROCE 12.26%
ROIC 2.33%
ROICexc 2.34%
ROICexgc 2.36%
OM 37.93%
PM (TTM) 1.25%
GM N/A
FCFM N/A
ROA(3y)0.27%
ROA(5y)N/A
ROE(3y)3.98%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 5.67
Debt/FCF N/A
Debt/EBITDA N/A
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 -0.51
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)-131.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-49.7%
EPS Next Y416%
EPS Next 2Y136.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.99%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-78.63%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

AVIDIA BANCORP INC / AVBC FAQ

What is the fundamental rating for AVBC stock?

ChartMill assigns a fundamental rating of 2 / 10 to AVBC.


What is the valuation status of AVIDIA BANCORP INC (AVBC) stock?

ChartMill assigns a valuation rating of 3 / 10 to AVIDIA BANCORP INC (AVBC). This can be considered as Overvalued.


How profitable is AVIDIA BANCORP INC (AVBC) stock?

AVIDIA BANCORP INC (AVBC) has a profitability rating of 2 / 10.


What is the expected EPS growth for AVIDIA BANCORP INC (AVBC) stock?

The Earnings per Share (EPS) of AVIDIA BANCORP INC (AVBC) is expected to grow by 416% in the next year.