Avidia Bancorp (AVBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Avidia Bancorp

NYSE•Financial Services•Banks - Regional

$22.06+0.29(0.01%)Market open

Market Cap

$409.82M

P/E

23.3x

P/S

2.7x

P/B

1.1x

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. The company offers savings and checking, certificates of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. It also provides savings, checking, debit cards, credit cards, youth accounts, veterans checking, mobile banking, internet banking, international wires, and health savings and borrowing services, including loans, home equity, mortgages, masshousing homeowner loans, and auto loans. Additionally, the company offers e-banking services, cash management, merchant services, law firm banking, nonprofit banking, and municipal banking services and borrowing services that include commercial loans, commercial mortgage loans, land development loans, business term loans, working capital lines of credit, letters of credit, business manager, dental practice loans, condo association loans, and small business banking partnership services. Further, it offers payments processing services; and invests in liquid assets, including U.S. Treasury securities, U.S. government agency and government-sponsored enterprise securities, mortgage-backed securities, municipal securities, certificates of deposit of federally-insured institutions, and investment grade corporate bonds. Avidia Bancorp, Inc. was founded in 1869 and is headquartered in Hudson, Massachusetts.

How this company scores

GoodMetricSide Score: 65.5/100

Strongest: Profitability (18/25); weakest: Cash & Earnings Quality (15/25).

Profitability18/25

Growth17.5/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality15/25

Strengths

Strong marginsRising earningsLow leverageImproving leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 23.3x5y range 23.3x – 25.0x

P/S · 2.7x5y range 2.1x – 2.7x

P/B · 1.1x5y range 0.7x – 1.1x

Currently near its 4-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $409.82M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $152.75M
Q. Revenue: $39.14M
TTM EBITDA: $27.33M
TTM Op. Income: $23.46M
Q. Op. Income: $9.47M
TTM Net Income: $17.59M
Q. Net Income: $7.17M
EPS: $0.39
Shares Out.: $18.58M

$152.75M in TTM revenue grew from zero YoY, reaching $39.14M last quarter. TTM EBITDA of $27.33M and TTM operating income of $23.46M show growth is flowing through to the bottom line. TTM net income of $17.59M means revenue is converting into profit. Across the last 6 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.3%
EBITDA Margin: 25.9%
Op. Margin: 24.2%
Net Margin: 18.3%

Op. margin of 24.2% is up 10.6% YoY — cost efficiency is improving. Net margin at 18.3% and gross margin of 76.3% show how much of each revenue dollar survives to profit. Across the last 6 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 23.3x
P/S Ratio: 2.7x
P/B Ratio: 1.1x

At 23.3x P/E, the stock trades within typical market levels. P/S of 2.7x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 0% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.78B
Cash: $70.47M
Long-Term Debt: $160.00M
Book Value: $389.54M
D/E Ratio: 0.4
Debt/EBITDA: 15.8

With $2.78B in assets and $160.00M in long-term debt, D/E is 0.4and book value is $389.54M — a conservative capital structure with a cushion to weather downturns. Across the last 6 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $10.09M
TTM Free Cash Flow: $48.18M
FCF Margin: 31.5%
FCF / Net Income: 2.7

TTM FCF of $48.18M on $10.09M in operating cash flow. The FCF / Net Income ratio of 2.7x means free cash flow covers net income — earnings are backed by cash. Across the last 6 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.