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AVIDIA BANCORP INC (AVBC) Stock Fundamental Analysis

USA - NYSE:AVBC - US05369T1007 - Common Stock

14.92 USD
-0.06 (-0.4%)
Last: 10/29/2025, 6:30:00 PM
14.92 USD
0 (0%)
After Hours: 10/29/2025, 6:30:00 PM
Fundamental Rating

2

Taking everything into account, AVBC scores 2 out of 10 in our fundamental rating. AVBC was compared to 390 industry peers in the Banks industry. AVBC may be in some trouble as it scores bad on both profitability and health. AVBC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year AVBC was profitable.
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

Looking at the Return On Assets, with a value of 0.39%, AVBC is doing worse than 81.28% of the companies in the same industry.
With a Return On Equity value of 6.00%, AVBC is not doing good in the industry: 70.51% of the companies in the same industry are doing better.
AVBC has a Return On Invested Capital of 1.68%. This is amongst the best in the industry. AVBC outperforms 98.97% 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

With a Profit Margin value of 8.98%, AVBC is not doing good in the industry: 84.87% of the companies in the same industry are doing better.
Looking at the Operating Margin, with a value of 51.80%, AVBC belongs to the top 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

AVBC has about the same amout of shares outstanding than it did 1 year ago.
AVBC has a better debt/assets ratio than last year.
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

AVBC has an Altman-Z score of -0.70. This is a bad value and indicates that AVBC is not financially healthy and even has some risk of bankruptcy.
AVBC's Altman-Z score of -0.70 is amongst the best of the industry. AVBC outperforms 98.72% 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.
With a Debt to Equity ratio value of 14.27, AVBC is not doing good in the industry: 97.44% of the companies in the same industry are doing better.
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's Current ratio of 0.01 is amongst the best of the industry. AVBC outperforms 98.72% of its industry peers.
A Quick Ratio of 0.01 indicates that AVBC may have some problems paying its short term obligations.
AVBC has a better Quick ratio (0.01) than 98.72% of its industry peers.
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 26.18, AVBC can be considered very expensive at the moment.
84.10% of the companies in the same industry are cheaper than AVBC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.00. AVBC is around the same levels.
Industry RankSector Rank
PE 26.18
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

98.97% of the companies in the same industry are more expensive than AVBC, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.19
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 (10/29/2025, 6:30:00 PM)

After market: 14.92 0 (0%)

14.92

-0.06 (-0.4%)

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 Owners0.78%
Ins Owner Change21.62%
Market Cap0
Revenue(TTM)127.84M
Net Income(TTM)11.48M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short Ratio2.82
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 26.18
Fwd PE N/A
P/S 2.34
P/FCF N/A
P/OCF N/A
P/B 1.56
P/tB 1.7
EV/EBITDA 8.19
EPS(TTM)0.57
EY3.82%
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
Graham Number11.06
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
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 Turnover0.04
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

AVIDIA BANCORP INC / AVBC FAQ

What is the fundamental rating for AVBC stock?

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


Can you provide the valuation status for AVIDIA BANCORP INC?

ChartMill assigns a valuation rating of 1 / 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.


Can you provide the PE and PB ratios for AVBC stock?

The Price/Earnings (PE) ratio for AVIDIA BANCORP INC (AVBC) is 26.18 and the Price/Book (PB) ratio is 1.56.


How financially healthy is AVIDIA BANCORP INC?

The financial health rating of AVIDIA BANCORP INC (AVBC) is 3 / 10.