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Avidbank Holdings, Inc. (AVBH) stock

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NASDAQ: AVBH Nasdaq Regional Banks Next results ~January 28, 2027

Avidbank Holdings, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$22

Valuation models combined (4)

Base case. Range ~$12–$38. Weighted average of 4 models (residual income, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers), the residual income counting double.

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Avidbank Holdings, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Funds59 adding, 31 cuttingOf 24 active managers that changed their stake, 14 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Avidbank Holdings files

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 28, 2027 (estimated)

Avidbank Holdings, Inc.'s trailing-twelve-month revenue fell 44.8% year on year, with a free-cash-flow margin of 113.3%.

Current signal Revenue growth accelerating: TTM revenue growth rose to -44.8% (+8.2pp vs the prior quarter).

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 113.3% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.2bn.

Things to watch

  • Revenue shrinking. Revenue fell 44.8% over the last 12 months.
  • Missing expectations. Earnings per share fell short of the consensus estimate in 2 of the last four quarters.

Latest results: FY2026 Q2

Filed August 12, 2026
Earnings per share
$0.94 against an average estimate of $0.87: beat by 8.3%
Revenue
$30m, up 36.2% on a year earlier
Share reaction
+3.5% in the first session after the results on October 26, 2026, against +1.3% for the S&P 500
Next report
October 26, 2026; average EPS estimate $0.91

Avidbank Holdings' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.4%
  • 1 week+10.7%
  • 1 month+11.8%
  • This year+31.6%
  • 1 year+33.8%
  • 5 years+48.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$46.3M
Net margin
-30.5%
EPS (TTM, diluted)
$-1.38

Growth

Revenue growth
−44.8%
Change in growth rate
+8.2 pts

Earnings

Last results
October 26, 2026
Next results (est.)
January 28, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Agreement
  3. Leadership
  4. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Avidbank Holdings, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Avidbank Holdings, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.9%: the 10-year Treasury yield (4.9%) plus a beta of 0.65 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$12 ~$6.8–$20 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$2.4 ~$2.0–$3.1 Left out: out of range vs price (0.07x)
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$26 ~$12–$41 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$22 ~$28–$42 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$38 ~$36–$45 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$22 ~$12–$38 4 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Avidbank Holdings, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $3.45 +23% $117m +26%
Next $3.89 +13% $130m +11%

Next year's EPS estimate has moved +1.3% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +1.9% on 90 days ago. In the last 30 days, 2 analysts raised Avidbank Holdings, Inc.'s forecast and 1 cut it.

Consensus EPS forecast Avidbank Holdings, Inc., last 90 days
$3.20 $3.40 $3.60 $3.80 $4.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $3.38 Current fiscal year, 60 days ago: $3.39 Current fiscal year, 30 days ago: $3.37 Current fiscal year, 7 days ago: $3.37 Current fiscal year, Now: $3.45 $3.45 Next fiscal year, 90 days ago: $3.85 Next fiscal year, 60 days ago: $3.86 Next fiscal year, 30 days ago: $3.84 Next fiscal year, 7 days ago: $3.86 Next fiscal year, Now: $3.89 $3.89

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $3.38$3.85
60 days ago $3.39$3.86
30 days ago $3.37$3.84
7 days ago $3.37$3.86
Now $3.45$3.89

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.87 $0.94 +8.3%
Jun 2026 $0.83 $0.76 −8.2%
Mar 2026 $0.80 $0.84 +4.7%
Dec 2025 $0.76 $0.65 −13.9%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 26, 2026

No numeric guidance in Avidbank Holdings, Inc.'s latest earnings release (filed October 26, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

5 analysts, Oct 2026
Buy5100%
Hold00%
Sell00%

Monthly trend

  1. Oct 2026145
  2. Sep 2026145
  3. Aug 2026134
  4. Jul 2026134

Counts of recommendations published by analysts covering Avidbank Holdings, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
3.4%
of tradable shares
Days to cover
5.15
at average volume
Short interest, 1 month
−18%
to October 15, 2026
Held by institutions
83%
of shares
Held by insiders
8.3%
of shares
Employees
171
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +33.8%

$26.13 on October 31, 2025 to $34.95

ThenNowEffect
Revenue (last 12 months) $84m $46m −44.8%
P/S multiple 2.4x 7.7x +224.8%
Share count 8m 10m −25.4%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
AVBH+43%−18%+3%+2%+22%+32%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
AVBH83%33%50%42%75%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
AVBH−8%−26%−37%−14%−25%−13%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 50% from September 12, 2018 to September 29, 2020. Getting back needed a 100% gain, reached on January 5, 2022, 463 days after the low.

Price behaviour

52-week range
$24.37 – $34.95
From 52-week high
0.0%
vs 50-day average
+10.5%
vs 200-day average
+14.0%
Volatility (1 year)
18%
Beta vs S&P 500
0.36

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
5 up, 1 down
typical move ±2.2%
After a week
5 up, 1 down
typical move ±4.9%
After a month
4 up, 1 down
typical move ±3.2%
Results releasedNext dayS&P 500 next day5 days21 days
October 26, 2026 +3.5% +1.3% +10.3% —
July 23, 2026 +0.2% −1.1% +3.3% +0.9%
April 27, 2026 +0.8% −0.3% −3.0% +1.9%
January 29, 2026 +6.4% −0.5% +10.6% +5.8%
October 23, 2025 +1.7% +1.4% +0.2% −4.5%
August 25, 2025 −0.4% 0.0% +1.9% +2.8%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Revenue (TTM) Avidbank Holdings, Inc.
$0 $50M $100M FY25 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY26 Q1 FY26 Q2 Revenue (TTM), FY25 Q1: $81.6M Revenue (TTM), FY25 Q2: $83.8M Revenue (TTM), FY25 Q3: $25.2M Revenue (TTM), FY25 Q4: $30.9M Revenue (TTM), FY26 Q1: $38.4M Revenue (TTM), FY26 Q2: $46.3M $46.3M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY25 Q1 $81.6M
FY25 Q2 $83.8M
FY25 Q3 $25.2M
FY25 Q4 $30.9M
FY26 Q1 $38.4M
FY26 Q2 $46.3M
FCF margin (TTM) Avidbank Holdings, Inc.
0% 50% 100% 150% FY25 Q2 FY25 Q3 FY25 Q4 FY26 Q1 FY26 Q2 FCF margin (TTM), FY25 Q2: 27.8% FCF margin (TTM), FY25 Q3: 119.4% FCF margin (TTM), FY25 Q4: 125.9% FCF margin (TTM), FY26 Q1: 111.9% FCF margin (TTM), FY26 Q2: 113.3% 113.3%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY25 Q2 27.8%
FY25 Q3 119.4%
FY25 Q4 125.9%
FY26 Q1 111.9%
FY26 Q2 113.3%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 81 31 46
Net income 21 −20 −14
Diluted EPS $2.76 −$2.25 −$1.38
Growth (year on year)
Revenue — −61.9% −44.8%
Net income — −193.0% −160.0%
Diluted EPS — −181.5% —
Margins
Net margin 25.9% −63.2% −30.5%
Free-cash-flow margin 27.9% 125.9% 113.3%
Cash flow
Cash from operations 23 39 52
Capital spending 0 0 0
Free cash flow 23 39 52
Stock-based pay 3 3 3
Free cash flow after stock pay 19 36 49
Balance sheet
Cash 83 155 160
Total debt 185 60 0
Net debt (negative = net cash) 102 −95 −160
Diluted shares 8m 9m 10m

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated AVBH RVSB PBHC CBFV CBAN FUSB Median
Revenue, last 12 months $46m $45m $48m $48m $49m $42m $255m
Revenue growth, last 12 months −44.8% −13.3% −4.9% −6.1% −59.4% 4.8% 12.5%
Revenue growth, 3-year average — −10.1% 0.6% −4.7% −24.4% 0.2% 6.0%
Revenue growth, latest quarter 36.2% 13.2% 26.5% 15.1% 29.4% 4.8% 10.8%
Net margin −30.5% −8.6% 0.3% 14.9% 22.4% 18.6% 28.7%
Cash from operations / revenue 113.4% 32.9% 24.6% 41.6% 48.6% 27.4% 34.3%
Free-cash-flow margin 113.3% 31.0% 22.9% 40.4% 44.0% 20.9% 31.4%
Free-cash-flow margin, 3-year average — 13.9% 23.8% 22.6% 33.8% 18.5% 29.9%
Stock pay / revenue 7.0% 0.9% 0.1% 1.8% 1.6% 1.8% 1.2%
Change in share count — −1.6% 0.6% −2.9% 10.5% −2.4% 0.4%

Median of all 246 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Who owns it

Funds buying and selling
Reported value
$304M
Institutions reporting
92
Shares held vs prior quarter
▲ 11.0%
Positions opened / closed
15 / 9

Top buyers and sellers, Q2 2026: 59 institutions bought and 31 sold ; the biggest buyer was First Eagle Investment Management, LLC (+371K shares) and the biggest seller Fourthstone LLC (−346K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Patriot Financial Partners Gp Ii, L.P. $34.7M 1.1M 11.4% 0.0%
Alliancebernstein L.P. $25.2M 883K 8.3% ▼ 0.5%
Fourthstone LLC $23.1M 701K 7.6% ▼ 33.0%
Banc Funds Co LLC $22.1M 668K 7.3% ▲ 0.5%
Endeavour Capital Advisors Inc $21.8M 659K 7.2% ▼ 7.0%
Blackrock, Inc. $19.5M 591K 6.4% ▲ 165.6%
First Eagle Investment Management, LLC $18.8M 568K 6.2% ▲ 187.9%
Adage Capital Partners Gp, L.L.C. $16.3M 493K 5.4% ▲ 9.1%
Manufacturers Life Insurance Company, The $12.3M 373K 4.1% ▼ 11.6%
Vanguard Capital Management LLC $12M 363K 3.9% ▲ 7.0%
Wellington Management Group LLP $10.2M 308K 3.4% ▼ 5.6%
Two Sigma Investments, LP $8.7M 262K 2.9% ▲ 404.0%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Avidbank Holdings, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 28, 2027 estimated from the company's past filing pattern, not announced

  • October 26, 2026
  • July 23, 2026
  • April 27, 2026
  • January 29, 2026
  • October 23, 2025
  • August 25, 2025

Recent SEC filings

Data status

When each part of this page on Avidbank Holdings, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Avidbank Holdings, Inc. in brief

What does Avidbank Holdings, Inc. do?
Avidbank Holdings, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Avidbank Holdings, Inc.'s stock ticker?
Avidbank Holdings, Inc. trades under the ticker AVBH on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Avidbank Holdings, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Avidbank Holdings, Inc. reported revenue of $46.3M, 44.8% lower than a year earlier, according to its SEC filings.
What is Avidbank Holdings, Inc.'s free cash flow?
Avidbank Holdings, Inc.'s free-cash-flow margin is 113.3% of revenue over the trailing twelve months.
Who are Avidbank Holdings, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Patriot Financial Partners Gp Ii, L.P., Alliancebernstein L.P. and Fourthstone LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Avidbank Holdings, Inc.'s market cap?
On November 2, 2026, Avidbank Holdings, Inc.'s market capitalisation was about $358M and net debt of -$160M. Market figures come from third-party market data and may be delayed.
Who are Avidbank Holdings, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Avidbank Holdings, Inc. are Riverview Bancorp Inc, Pathfinder Bancorp, Inc., CB Financial Services, Inc., Colony Bankcorp Inc and First US Bancshares, Inc. The side-by-side comparison below sets their revenue, margins and growth against Avidbank Holdings, Inc.'s.
When is Avidbank Holdings, Inc.'s next earnings date?
Around January 28, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Avidbank Holdings, Inc. announces its own schedule.