Avidbank Holdings (AVBH) Stock Fundamentals, Analysis & Risk Signals

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

Avidbank Holdings

NasdaqGS•Financial Services•Banks - Regional

$31.63+0.22(0.01%)Market open

Market Cap

$332.77M

P/S

2.5x

P/B

1.1x

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial solutions and services. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides lending products, including working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; sponsor finance comprising acquisition term loans, recapitalization term loans, and working capital lines; and venture lending, such as venture debt, growth capital, recurring revenue, and treasury management services. In addition, it offers commercial real estate lending consisting of permanent loans and bridge financing products; Asset-Based Lending that includes Borrowing Base and ABL term loans; and construction lending products, including land acquisition loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, pre-development loans, real estate bridge loans, and RLOC real estate secured loans. Further, the company provides private equity and venture capital financing solutions; structure finance; security and fraud prevention services; domestic and international wires, ACH origination, corporate credit cards, bill pay, trade finance letters of credit, and zero balance account; remote deposit capture, ACH collections, incoming wires, lockbox, and merchant services; and online banking real time fraud mitigation tools, check positive pay, and ACH positive pay. Additionally, it offers ATM/debit cards, credit cards, business courier, and complimentary notary services, as well as online and mobile banking services. The company was founded in 2003 and is headquartered in San Jose, California.

How this company scores

WeakMetricSide Score: 54/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (18/25); weakest: Profitability (8/25).

Profitability8/25

Growth10/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality18/25

Strengths

Long cash runwayLow leverageCash-backed earningsImproving leverage

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

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

P/S · 2.5x5y range 2.3x – 2.5x

P/B · 1.1x5y range 0.8x – 1.1x

Currently above its 5-quarter median.

Watch items

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

High Risk

Share Dilution

Red Flag

Shares outstanding increased 40.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $332.77M

Metrics at a Glance

as of June 2026

Revenue & Profit

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

TTM Revenue: $135.67M
Q. Revenue: $42.98M
TTM EBITDA: $-10.90M
TTM Op. Income: $-12.36M
Q. Op. Income: $10.47M
TTM Net Income: $-8.68M
Q. Net Income: $7.65M
EPS: $0.72
Shares Out.: $10.61M

$135.67M in TTM revenue grew from zero YoY, reaching $42.98M last quarter. TTM EBITDA of $-10.90M and TTM operating income of $-12.36M show growth is flowing through to the bottom line. However, net income is negative at $8.68M — growth is not yet reaching the bottom line. Across the last 5 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 69.2%
EBITDA Margin: 24.4%
Op. Margin: 24.4%
Net Margin: 17.8%

Op. margin of 24.4% is up 2.1% YoY — cost efficiency is improving. Net margin at 17.8% and gross margin of 69.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 9% — a weakening trend.

Price Ratios

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

P/E Ratio: N/A
P/S Ratio: 2.5x
P/B Ratio: 1.1x

P/S of 2.5x and P/B of 1.1x.

Assets & Liabilities

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

Total Assets: $2.66B
Cash: $159.91M
Long-Term Debt: $22.00M
Book Value: $296.19M
D/E Ratio: 0.1
Debt/EBITDA: 2.1

With $2.66B in assets and $22.00M in long-term debt, D/E is 0.1and book value is $296.19M — a conservative capital structure with a cushion to weather downturns. Across the last 5 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow: $15.86M
TTM Free Cash Flow: $52.43M
FCF Margin: 38.6%
FCF / Net Income: -6.0

TTM FCF of $52.43M on $15.86M in operating cash flow. The FCF / Net Income ratio of -6.0x means the business consumes cash — it is not yet self-funding. Across the last 5 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.