Avidbank Holdings, Inc. AVBH R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Operating margin of 38.9% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.29.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $30.93M (-61.9% YoY); net profit $-19.55M.
- Trailing 12 Months Year-on-year growth — revenue +28.9%, earnings -5.3%.
- 5-Year Trend Long-term compounding — revenue CAGR -61.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -61.93% |
| 1 Year: | 28.90% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -5.30% |
Stock Price Performance
| 1 Year: | +34.84% |
| 6 Months: | +5.14% |
| 3 Months: | -1.43% |
| 1 Month: | +1.60% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.29 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -61.9% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AVBH Avidbank Holdings, Inc. R2KFINANCIAL | 31.70 | -20.72 | $348.18M | 0.00% | - | -5.64% | -61.93% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 20.52M | 21.83M | -38.20M | 26.78M | 27.97M |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 15.17M | 15.35M | 14.60M | 13.31M | 12.54M |
| Pretax Income | - | - | 7.68M | 8.29M | -53.04M | 10.09M | 12.44M |
| Tax Provision | - | - | 2.25M | 2.50M | -15.30M | 3.14M | 3.42M |
| Net Income | 3.47M | - | 5.44M | 5.80M | -37.73M | 6.95M | 9.02M |
| Diluted EPS | 0.46 | 0.77 | 0.71 | 0.75 | - | 0.65 | 0.84 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Revenue | 81.23M | 30.93M |
| Cost of Revenue | - | - |
| Gross Profit | - | - |
| Operating Expenses | - | - |
| Operating Income | - | - |
| EBITDA | - | - |
| Interest Expense | 67.22M | 58.45M |
| Pretax Income | 29.80M | -26.97M |
| Tax Provision | 8.79M | -7.42M |
| Net Income | 21.02M | -19.55M |
| Diluted EPS | 2.76 | -2.25 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | - | 2.30B | 2.57B |
| Current Assets | - | - | - |
| Cash & Equivalents | - | 82.70M | 154.57M |
| Inventory | - | - | - |
| Receivables | - | - | - |
| Total Liabilities | - | 2.12B | 2.29B |
| Current Liabilities | - | - | - |
| Long Term Debt | - | 22.00M | 22.00M |
| Total Debt | - | 207.00M | 82.00M |
| Total Equity | 165.31M | 186.36M | 280.98M |
| Shares Outstanding | - | 7.91M | 10.95M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating Cash Flow | 22.69M | 39.03M |
| Investing Cash Flow | -82.70M | -196.71M |
| Financing Cash Flow | 61.31M | 229.54M |
| Capital Expenditure | -47.00K | -93.00K |
| Free Cash Flow | 22.64M | 38.94M |
| Net Change in Cash | 1.30M | 71.87M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Gross Margin % | - | - |
| Operating Margin % | - | - |
| Net Margin % | 25.9% | -63.2% |
| ROE % | 11.3% | -7.0% |
| ROCE % | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Patriot Financial Partners Gp II, L.P. | 13.25% | 1.05M | $32.63M |
| 2 | Alliancebernstein L.P. | 11.14% | 883.42K | $27.43M |
| 3 | Fourthstone LLC | 8.84% | 700.82K | $21.76M |
| 4 | BANC FUNDS CO LLC | 8.42% | 668.10K | $20.74M |
| 5 | Endeavour Capital Advisors Inc | 8.30% | 658.71K | $20.45M |
| 6 | Blackrock Inc. | 7.45% | 591.28K | $18.36M |
| 7 | Adage Capital Partners GP L.L.C. | 6.22% | 493.14K | $15.31M |
| 8 | Manufacturers Life Insurance Co. | 4.70% | 372.76K | $11.57M |
| 9 | Vanguard Capital Management LLC | 4.58% | 362.95K | $11.27M |
| 10 | Wellington Management Group, LLP | 3.89% | 308.44K | $9.58M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AVBH
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AVBH — Frequently Asked Questions
What is the current share price of Avidbank Holdings, Inc. (AVBH)?
As of 2026-10-23 16:27 PDT, Avidbank Holdings, Inc. (AVBH) trades at $31.70 on NasdaqGS. Its 52-week range is $23.51 to $33.51.
What is the market capitalisation of AVBH?
Avidbank Holdings, Inc. (AVBH) has a market capitalisation of $348.18M on NasdaqGS.
What is the P/E ratio of AVBH?
AVBH trades at a trailing price-to-earnings (P/E) ratio of -20.72. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.15.
What is the return on equity (ROE) of AVBH?
AVBH has a return on equity (ROE) of -5.64%.
Is AVBH a good stock to buy?
This page provides a data-driven analysis of Avidbank Holdings, Inc. (AVBH), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.