Avidbank Holdings, Inc.(AVBH)Earnings, Financials & Key Ratios

AVBH•NASDAQ•Banking & Credit

$32.34

10.4× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutAvidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprises working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, it offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC real estate secured loans. Further, the company provides various financing solutions, such as structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, it offers various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Furthermore, the company offers online and mobile banking services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.Show more

Net Interest Income$32M
Total Revenue$74M-3.8%
Net Income$24M+14.1%
Return on Equity10.26%-14.1%
Net Interest Margin1.23%
Efficiency Ratio69.55%+23.1%
ROA0.98%+6.3%
Equity / Assets10.93%+35.4%
Book Value per Share36.56+49.2%

AVBH Price & Volume

Avidbank Holdings, Inc. (AVBH) stock price & volume — 10-year historical chart

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Volatile Interest Income Masks Structural Concentration Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Mixed

Profitability:Strained

Financial:Adequate

Cash Flow:Mixed

Primary Risk:Geographic and Sectoral Concentration

Key Thesis Takeaways

Avidbank Holdings faces a binary risk profile driven by its heavy reliance on venture-linked fee income and specialized commercial real estate lending.
While the bank has successfully maintained a 0.11 equity-to-assets ratio to bolster its capital buffer, the extreme volatility in net interest income—swinging from negative $13.7 million in 2025Q3 to $26.5 million in 2026Q1—suggests significant instability in core earnings.
Investors should monitor whether the bank can stabilize its 1.0% net interest margin amidst ongoing funding pressures and potential credit deterioration in its concentrated loan book.

Verdict Logic

while the bank trades at a 0.89 price-to-book ratio, the persistent volatility in core earnings and the lack of a dividend yield warrant a cautious approach until the 1.0% net interest margin demonstrates sustained stability.

AVBH Growth Metrics

Avidbank Holdings, Inc. (AVBH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.5%

5 Years10.1%

3 Years-0.46%

TTM-

Profit CAGR

10 Years20.61%

5 Years20.02%

3 Years-1.41%

TTM29.99%

EPS CAGR

10 Years14.4%

5 Years14.07%

3 Years-4.76%

TTM7.55%

Return on Capital

10 Years7.72%

5 Years5.46%

3 Years1.83%

Last Year-1.06%

AVBH Recent Earnings

Avidbank Holdings, Inc. (AVBH) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)

Q2 2026Latest

Apr 27, 2026

Metric

Actual

Est

EPS

$0.84+5.0%

$0.80

Rev

$28M-0.5%

$28M

Q1 2026

Jan 29, 2026

Metric

Actual

Est

EPS

$0.65-14.5%

$0.76

Rev

$27M+3.1%

$26M

Q4 2025

Oct 23, 2025

Metric

Actual

Est

EPS

$0.72-6.5%

$0.77

Rev

$24M-190.9%

$26M

Q3 2025

Aug 25, 2025

Metric

Actual

Est

EPS

$0.75+0.0%

$0.75

Rev

$37M+65.7%

$22M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 27, 2026	$0.84vs $0.80+5.0%	$28Mvs $28M-0.5%
Q1 2026	Jan 29, 2026	$0.65vs $0.76-14.5%	$27Mvs $26M+3.1%
Q4 2025	Oct 23, 2025	$0.72vs $0.77-6.5%	$24Mvs $26M-190.9%
Q3 2025	Aug 25, 2025	$0.75vs $0.75+0.0%	$37Mvs $22M+65.7%

Based on last 12 quarters of dataView full earnings history →

Latest AVBH News

Recent stock market news and headlines for Avidbank Holdings, Inc. (AVBH)

Accesswire·1 day ago

Avidbank Holdings, Inc. to Announce Second Quarter 2026 Earnings Results After-Market on Thursday, July 23, 2026

SAN JOSE, CA / ACCESS Newswire / July 6, 2026 / Avidbank Holdings, Inc. (NASDAQ:AVBH) ("Avidbank Holdings") announced today that it will release second quarter 2026 earnings results on Thursday, July 23, 2026, after the market closes. Upon release, investors may access a copy of the earnings results on the Avidbank website at www.avidbank.com under About Us, Investor Relations.

Zacks Investment Research·Jun 30, 2026

Avidbank Holdings (AVBH) Upgraded to Buy: Here's What You Should Know

Avidbank Holdings (AVBH) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Peers Comparison

Key metrics vs top competitors for Avidbank Holdings, Inc. (AVBH)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
AVBHAvidbank Holdings, Inc.Current	$32.34	$281.43M	10.40	-3.81%	32.32%	10.26%	—
HTBKHeritage Commerce Corp	$13.45	$828.43M	17.24	5.84%	17.97%	6.83%	—
BSVNBank7 Corp.	$51.75	$492.63M	11.50	-3.87%	31.77%	18.18%	—
CVBFCVB Financial Corp.	$22.58	$3.06B	14.86	-2.33%	32.4%	9.16%	—
WAFDWaFd, Inc.	$37.65	$2.78B	14.32	-1.58%	18.26%	8.36%	—
BANRBanner Corporation	$67.33	$2.29B	11.94	-0.95%	24.82%	10.66%	—

Compare AVBH vs Peers

Avidbank Holdings, Inc. (AVBH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HTBK

Most directly comparable listed peer for AVBH.

Scale Benchmark

vs ICE

Larger-name benchmark to compare AVBH against a more recognizable public peer.

Peer Set

Compare Top 5

vs HTBK, BSVN, CVBF, WAFD

AVBH SEC Filings & Documents

Avidbank Holdings, Inc. (AVBH) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 21, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Mar 13, 2026·SEC

10-K Annual Reports

FY 2026

Mar 18, 2026·SEC

10-Q Quarterly Reports

FY 2026

May 13, 2026·SEC

FY 2025

Nov 12, 2025·SEC

FY 2025

Sep 18, 2025·SEC

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AVBH Frequently Asked Questions

Avidbank Holdings, Inc. (AVBH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Avidbank Holdings, Inc. growing?

Avidbank Holdings, Inc. (AVBH) saw revenue decline by 3.8% over the past year.

Is AVBH profitable?

Yes, Avidbank Holdings, Inc. (AVBH) is profitable, generating $27.6M in net income for fiscal year 2025 (32.3% net margin).

Dividend & Returns

What is AVBH's return on equity?

Avidbank Holdings, Inc. (AVBH) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.

Industry Metrics

What is Avidbank Holdings, Inc.'s net interest margin?

Avidbank Holdings, Inc. (AVBH) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.

What is Avidbank Holdings, Inc.'s efficiency ratio?

Avidbank Holdings, Inc. (AVBH) has an efficiency ratio of 69.6%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in AVBH back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 27, 2026

$0.84vs $0.80+5.0%

$28Mvs $28M-0.5%

Q1 2026

Jan 29, 2026

$0.65vs $0.76-14.5%

$27Mvs $26M+3.1%

Q4 2025

Oct 23, 2025

$0.72vs $0.77-6.5%

$24Mvs $26M-190.9%

Q3 2025

Aug 25, 2025

$0.75vs $0.75+0.0%

$37Mvs $22M+65.7%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

AVBHAvidbank Holdings, Inc.Current

$32.34

$281.43M

10.40

-3.81%

32.32%

10.26%

—

HTBKHeritage Commerce Corp

$13.45

$828.43M

17.24

5.84%

17.97%

6.83%

—

BSVNBank7 Corp.

$51.75

$492.63M

11.50

-3.87%

31.77%

18.18%

—

CVBFCVB Financial Corp.

$22.58

$3.06B

14.86

-2.33%

32.4%

9.16%

—

WAFDWaFd, Inc.

$37.65

$2.78B

14.32

-1.58%

18.26%

8.36%

—

BANRBanner Corporation

$67.33

$2.29B

11.94

-0.95%

24.82%

10.66%

—