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May 28, 2026·SEC
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Avidia Bancorp, Inc.(AVBC)Earnings, Financials & Key Ratios
AVBC•NYSE•Banking & Credit
$20.76
Price updated Jul 7, 2026
AboutAvidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. The company also offers commercial and industrial loans, one-to four-family residential mortgage loans, home equity loans and second mortgage loans, multi-family mortgage loans, commercial real estate loans, construction and land loans, and consumer loans, as well as land development, business term, and auto loans. In addition, it provides payments processing services, invests in securities, primarily of U.S. Treasury securities, U.S. Government agency securities, and municipal securities. The company was founded in 1869 and is headquartered in Hudson, Massachusetts.Show more
- Net Interest Income$87M+18.1%
- Total Revenue$148M+4.9%
- Net Income-$3M-128.6%
- Return on Equity-1.15%-118.7%
- Net Interest Margin3.05%+10.6%
- Efficiency Ratio59.49%+14.5%
- ROA-0.12%-127.4%
- Equity / Assets13.36%+83.1%
- Book Value per Share20.45+111.8%
AVBC Price & Volume
Avidia Bancorp, Inc. (AVBC) stock price & volume — 10-year historical chart
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Securities-Heavy Asset Strategy Drives Margin Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Operational and Regulatory Volatility
Key Thesis Takeaways
- Avidia Bancorp is navigating a complex transition, shifting from traditional lending toward a $2.7 billion investment securities-heavy balance sheet that now comprises 96% of total assets.
- While the bank achieved a 24.8% year-over-year growth in net interest income as of 2026Q1, profitability remains constrained by high operational overhead and sensitivity to credit loss provisioning, which spiked to $17.6 million in 2025Q1.
- Investors should monitor the sustainability of the 50.1% efficiency ratio and the bank's ability to maintain capital adequacy, currently reflected in an equity-to-assets ratio of 0.14.
Verdict Logic
while the forward P/E of 15.43 suggests potential valuation support, the bank's heavy reliance on a $2.7 billion securities portfolio and historical earnings volatility warrant a cautious approach.
AVBC Growth Metrics
Avidia Bancorp, Inc. (AVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.13%
3 Years18.44%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years6.81%
5 Years3.13%
3 Years2.64%
Last Year-0.6%
AVBC Recent Earnings
Avidia Bancorp, Inc. (AVBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/6 qtrs (67%)●Beat Revenue 1/6 qtrs (50%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.32+6.7%
$0.30
Rev
$28M+0.6%
$28M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.29-3.3%
$0.30
Rev
$27M-1.0%
$28M
Q3 2025
Aug 1, 2025Metric
Actual
Est
EPS
$0.19+20.6%
$0.16
Rev
$36M
—
Q2 2025
Mar 31, 2025Metric
Actual
Est
EPS
$0.58
—
Rev
$34M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.32vs $0.30+6.7% | $28Mvs $28M+0.6% |
| Q1 2026 | Jan 29, 2026 | $0.29vs $0.30-3.3% | $27Mvs $28M-1.0% |
| Q3 2025 | Aug 1, 2025 | $0.19vs $0.16+20.6% | $36M |
| Q2 2025 | Mar 31, 2025 | $0.58 | $34M |
Based on last 6 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Avidia Bancorp, Inc. (AVBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.76 | $416.78M | -115.33 | 4.87% | -2.23% | -1.15% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $26.72 | $814.84M | -6.35 | -10.35% | -18.65% | -10.01% | — | |
| $84.40 | $4.07B | 18.97 | 19.82% | 19.81% | 7.01% | — | |
| $65.04 | $2.38B | 12.25 | 12.03% | 21.03% | 10.08% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — |
Compare AVBC vs Peers
Avidia Bancorp, Inc. (AVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AVBC SEC Filings & Documents
Avidia Bancorp, Inc. (AVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AVBC Frequently Asked Questions
Avidia Bancorp, Inc. (AVBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Avidia Bancorp, Inc. growing?
Avidia Bancorp, Inc. (AVBC) grew revenue by 4.9% over the past year. Growth has been modest.
Is AVBC profitable?
Yes, Avidia Bancorp, Inc. (AVBC) is profitable, generating $14.3M in net income for fiscal year 2025 (-2.2% net margin).
Dividend & Returns
What is AVBC's return on equity?
Avidia Bancorp, Inc. (AVBC) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Avidia Bancorp, Inc.'s net interest margin?
Avidia Bancorp, Inc. (AVBC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Avidia Bancorp, Inc.'s efficiency ratio?
Avidia Bancorp, Inc. (AVBC) has an efficiency ratio of 59.5%. This is reasonable for a bank.