AVIDIA BANCORP INC

AVBCNYSE

🏆 #2571 by market capEarnings Oct 22US Equity

$21.45▲ $0.16 (+0.75%)

Market closed · at close

1h—

24h▲ 0.8%

7d▼ 1.2%

14d▼ 4.0%

30d▲ 5.4%

1y▲ 48.1%

🏦Market Cap

$431M

Small Cap

📈Revenue Growth (YoY)

+4.9%

Slowing

📊Gross Margin

71.1%

High

💵FCF Margin

20.4%

Strong

⚖️P/S Ratio

2.8x

Cheap

Otter Score

Fair

Trading Snapshot

Day Range: $21.37 – $21.84
52-Week Range: $14.31 – $22.90
Volume: $3.27B
Avg Volume: $3.42B
Shares Outstanding: 20.1M
Next Earnings: Sep 28, 2026

Fundamentals Snapshot

Annual Revenue: $148M
Last Q Revenue: $39M
P/E Ratio: 22.6
P/S Ratio: 2.8x
EPS (TTM): $0.95
Dividend Yield: 0.47%

Why Investors Own AVBC

✓High-growth profile — revenue up -7.3% YoY with expanding US Equity exposure.
✓Healthy economics — 65% gross margin and 19% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$148M▼ −11.5% YoY

Gross Margin (TTM)

64.9%▲ +2.0% YoY

Operating Income (TTM)

$29M▼ −11.5% YoY

Free Cash Flow (TTM)

$28M▼ −11.5% YoY

About AVIDIA BANCORP INC

Avidia Bancorp, Inc., which serves as the parent entity for Avidia Bank, delivers a comprehensive array of financial products and services to individual consumers and corporate clients alike. Its deposit offerings include diverse checking accounts (both interest and non-interest-bearing), savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also extends a broad spectrum of credit facilities, such as commercial and industrial loans, various residential mortgages (including single-family, home equity, and second mortgages), multi-family and commercial real estate financing, construction and land development loans, alongside consumer loans like auto and general business term loans. Furthermore, Avidia provides payment processing solutions and strategically invests in securities, primarily composed of U.S. Treasury, government agency, and municipal bonds. Established in 1869, the corporation maintains its principal office in Hudson, Massachusetts.

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