AVIDIA BANCORP INC (AVBC) Fundamental Analysis & Valuation

NYSE:AVBC • US05369T1007

Current stock price

19.985 USD
+0.32 (+1.65%)
Last:

This AVBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AVBC Profitability Analysis

1.1 Basic Checks

  • In the past year AVBC has reported negative net income.
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 90.53% of its industry peers.
  • AVBC's Return On Equity of 0.77% is on the low side compared to the rest of the industry. AVBC is outperformed by 90.53% of its industry peers.
  • The Return On Invested Capital of AVBC (2.33%) is better than 98.95% 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 worse Profit Margin (1.25%) than 90.79% of its industry peers.
  • AVBC has a better Operating Margin (37.93%) than 98.68% 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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3

2. AVBC Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, AVBC has about the same amount of shares outstanding.
  • AVBC has a better debt/assets ratio than last year.
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.
  • AVBC has a Altman-Z score of -0.51. This is amongst the best in the industry. AVBC outperforms 99.47% of its industry peers.
  • A Debt/Equity ratio of 5.67 is on the high side and indicates that AVBC has dependencies on debt financing.
  • The Debt to Equity ratio of AVBC (5.67) is worse than 96.32% 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

  • 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 98.42% 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 98.42% 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 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. AVBC Growth Analysis

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

  • AVBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 136.64% yearly.
  • 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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3

4. AVBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for AVBC. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 15.19 indicates a correct valuation of AVBC.
  • Based on the Price/Forward Earnings ratio, AVBC is valued a bit more expensive than the industry average as 75.26% of the companies are valued more cheaply.
  • AVBC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
Industry RankSector Rank
PE N/A
Fwd PE 15.19
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

  • AVBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AVBC's earnings are expected to grow with 136.64% in the coming years. This may justify a more expensive valuation.
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. AVBC Dividend Analysis

5.1 Amount

  • AVBC has a Yearly Dividend Yield of 1.05%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, AVBC's dividend is way lower than its industry peers. On top of this 81.58% of the companies listed in the same industry pay a better dividend than AVBC!
  • Compared to an average S&P500 Dividend Yield of 1.89, AVBC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.05%

5.2 History

  • AVBC does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
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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AVBC Fundamentals: All Metrics, Ratios and Statistics

AVIDIA BANCORP INC

NYSE:AVBC (4/7/2026, 3:07:46 PM)

19.985

+0.32 (+1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)05-11
Inst Owners29.25%
Inst Owner Change0%
Ins Owners0.95%
Ins Owner Change13.67%
Market Cap0
Revenue(TTM)129.27M
Net Income(TTM)2.86M
Analysts82.86
Price Target22.44 (12.28%)
Short Float %N/A
Short Ratio1.14
Dividend
Industry RankSector Rank
Dividend Yield 1.05%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.2%
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 15.19
P/S 1.61
P/FCF N/A
P/OCF N/A
P/B 1
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)-0.15
EYN/A
EPS(NY)1.32
Fwd EY6.58%
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 Fundamental Analysis 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.


Can you provide the profitability details for AVIDIA BANCORP INC?

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.