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AVIDIA BANCORP INC (AVBC) Stock Fundamental Analysis

USA - NYSE:AVBC - US05369T1007 - Common Stock

14.98 USD
+0.08 (+0.54%)
Last: 10/28/2025, 8:04:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to AVBC. AVBC was compared to 390 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

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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

The Return On Assets of AVBC (0.39%) is worse than 81.28% of its industry peers.
AVBC has a Return On Equity of 6.00%. This is in the lower half of the industry: AVBC underperforms 70.51% of its industry peers.
AVBC's Return On Invested Capital of 1.68% is amongst the best of 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

AVBC's Profit Margin of 8.98% is on the low side compared to the rest of the industry. AVBC is outperformed by 84.87% of its industry peers.
AVBC has a Operating Margin of 51.80%. This is amongst the best in the industry. AVBC outperforms 99.49% of its industry peers.
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.
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

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 has a better Altman-Z score (-0.70) than 98.72% of its industry peers.
A Debt/Equity ratio of 14.27 is on the high side and indicates that AVBC has dependencies on debt financing.
AVBC has a worse Debt to Equity ratio (14.27) than 97.44% 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's Current ratio of 0.01 is amongst the best of the industry. AVBC outperforms 98.72% 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.
AVBC's Quick ratio of 0.01 is amongst the best of the industry. AVBC outperforms 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%.
AVBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.29%.
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

Based on the Price/Earnings ratio of 26.28, the valuation of AVBC can be described as expensive.
Based on the Price/Earnings ratio, AVBC is valued expensively inside the industry as 83.85% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.83. AVBC is around the same levels.
Industry RankSector Rank
PE 26.28
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 cheaply inside the industry as 98.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.17
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

AVBC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AVIDIA BANCORP INC

NYSE:AVBC (10/28/2025, 8:04:00 PM)

14.98

+0.08 (+0.54%)

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 26.28
Fwd PE N/A
P/S 2.35
P/FCF N/A
P/OCF N/A
P/B 1.57
P/tB 1.71
EV/EBITDA 8.17
EPS(TTM)0.57
EY3.81%
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 26.28 and the Price/Book (PB) ratio is 1.57.


How financially healthy is AVIDIA BANCORP INC?

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