AVIDIA BANCORP INC (AVBC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AVBC - US05369T1007 - Common Stock
17.23 USD
-0.15 (-0.86%)
Overall AVBC gets a fundamental rating of 2 out of 10. We evaluated AVBC against 383 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.
1. Profitability
1.1 Basic Checks
- AVBC had positive earnings in the past year.
1.2 Ratios
- AVBC has a worse Return On Assets (0.39%) than 83.29% of its industry peers.
- Looking at the Return On Equity, with a value of 6.00%, AVBC is doing worse than 73.11% of the companies in the same industry.
- AVBC has a Return On Invested Capital of 1.68%. This is amongst the best in the industry. AVBC outperforms 98.69% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 8.98%, AVBC is doing worse than 85.38% of the companies in the same industry.
- AVBC has a better Operating Margin (51.80%) than 99.48% of its industry peers.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The number of shares outstanding for AVBC remains at a similar level compared to 1 year ago.
- The debt/assets ratio for AVBC is higher compared to a year ago.
2.2 Solvency
- AVBC has an Altman-Z score of -0.69. This is a bad value and indicates that AVBC is not financially healthy and even has some risk of bankruptcy.
- With an excellent Altman-Z score value of -0.69, AVBC belongs to the best of the industry, outperforming 98.69% of the companies in the same industry.
- A Debt/Equity ratio of 14.27 is on the high side and indicates that AVBC has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 14.27, AVBC is doing worse than 96.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.69 |
ROIC/WACCN/A
WACCN/A
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.
- The Current ratio of AVBC (0.01) is better than 98.69% 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 Quick ratio of 0.01. This is amongst the best in the industry. AVBC outperforms 98.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
- Looking at the last year, AVBC shows a quite strong growth in Revenue. The Revenue has grown by 10.29% in the last year.
EPS 1Y (TTM)N/A
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
- Based on estimates for the next years, AVBC will show a very strong growth in Earnings Per Share. The EPS will grow by 34.35% on average per year.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-55.42%
EPS Next 2Y49.3%
EPS Next 3Y34.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 123.07 indicates a quite expensive valuation of AVBC.
- AVBC's Price/Earnings ratio is rather expensive when compared to the industry. AVBC is more expensive than 88.25% of the companies in the same industry.
- AVBC is valuated expensively when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 13.51, the valuation of AVBC can be described as correct.
- 67.62% of the companies in the same industry are cheaper than AVBC, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, AVBC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 123.07 | ||
| Fwd PE | 13.51 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AVBC indicates a rather cheap valuation: AVBC is cheaper than 98.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.95 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as AVBC's earnings are expected to grow with 34.35% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.3%
EPS Next 3Y34.35%
5. Dividend
5.1 Amount
- No dividends for AVBC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 2 / 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 decline by -55.42% in the next year.