Latest Ratios: P/E Ratio 10.4x · EV/EBITDA N/A · ROE 10.3%. (2003–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $281M | $204M | — | — | — | — | — | — | — | — | — |
| Enterprise Value | $295M | $218M | — | — | — | — | — | — | — | — | — |
| P/E Ratio → | 10.40 | 8.54 | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 3.79 | 2.75 | — | — | — | — | — | — | — | — | — |
| P/B Ratio | 0.88 | 0.73 | — | — | — | — | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.94 | — | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 34.8% | 34.8% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 84.1% | 86.0% | 86.4% | 90.5% |
| Operating Margin | -34.8% | -34.8% | 43.5% | 40.4% | 56.0% | 43.8% | 39.6% | 32.6% | 34.1% | 30.7% | 36.9% |
| Net Profit Margin | 32.3% | 32.3% | 27.2% | 24.8% | 33.3% | 23.2% | 21.0% | 23.5% | 24.5% | 16.0% | 24.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.3% | 10.3% | 12.0% | 11.1% | 18.2% | 9.3% | 7.9% | 11.9% | 11.7% | 7.4% | 12.2% |
| ROA | 1.0% | 1.0% | 0.9% | 0.8% | 1.2% | 0.7% | 0.8% | 1.3% | 1.3% | 0.8% | 1.2% |
| ROIC | -5.5% | -5.5% | 5.3% | 4.8% | 13.2% | 10.1% | 8.9% | 10.7% | 9.5% | 7.9% | 11.5% |
| ROCE | -1.1% | -1.1% | 1.5% | 5.1% | 13.2% | 8.6% | 9.2% | 14.3% | 12.7% | 10.5% | 3.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 1.15 | 2.37 | 1.22 | 0.27 | 0.32 | 0.19 | 0.12 | 0.47 | 0.18 |
| Debt / EBITDA | — | — | 6.08 | 13.32 | 3.78 | 1.62 | 2.06 | 1.13 | 0.71 | 3.42 | 0.93 |
| Net Debt / Equity | — | 0.05 | 1.15 | 2.37 | 1.22 | 0.27 | 0.32 | -1.13 | -0.16 | 0.09 | -0.14 |
| Net Debt / EBITDA | — | — | 6.08 | 13.32 | 3.78 | 1.62 | 2.06 | -6.85 | -0.95 | 0.69 | -0.69 |
| Debt / FCF | — | — | 9.48 | 10.85 | 5.96 | 2.32 | 2.75 | -9.38 | -1.11 | 1.59 | -1.78 |
| Interest Coverage | -0.82 | -0.82 | — | 1.83 | 29.24 | 18.67 | 14.63 | 2.44 | 3.27 | 3.84 | 5.47 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | 0.05 | 0.03 | 0.26 | 0.20 | 0.24 | 0.12 | 0.19 | 0.21 |
| Quick Ratio | — | — | — | 0.05 | 0.03 | 0.26 | 0.20 | 0.24 | 0.12 | 0.19 | 0.21 |
| Cash Ratio | — | — | — | — | — | — | — | 0.15 | 0.03 | 0.05 | 0.04 |
| Asset Turnover | — | 0.03 | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.6% | 11.7% | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | $5M |
Geographic and Sectoral Concentration
According to current market data, AVBH trades at a P/B ratio of 0.89, which suggests that investors are pricing the bank at a discount to its tangible book value, likely reflecting concerns over its concentrated exposure to the volatile Silicon Valley commercial real estate and venture lending markets.
The current valuation multiple appears to imply a market expectation of lower long-term returns on tangible equity compared to more diversified regional peers. This discount may be warranted given the bank's recent revenue contraction and the binary nature of its specialized finance business model, which remains highly sensitive to regional economic cycles.
Based on reported financial figures, the bank's ROE has remained constrained in the low single digits, with recent quarterly data showing a 3.2% return, indicating that the institution is struggling to generate meaningful profitability through its current asset utilization and interest margin profile.
The decomposition of profitability suggests that the bank's reliance on non-interest income, which has periodically accounted for a significant portion of revenue, introduces substantial volatility into the bottom line. Investors should monitor whether the bank can improve its core NIM, which has shown instability, to drive more sustainable earnings growth.
As reported in recent financial statements, the net interest margin has fluctuated significantly, reaching 1.0% in 2026Q1, which highlights the difficulty of maintaining a stable spread in a high-rate environment while managing the funding costs of a sophisticated, high-touch client base.
The efficiency ratio, which has seen wide swings, suggests that the bank's high fixed-cost structure in the expensive San Jose market is not currently scaling effectively with its revenue base. This lack of operating leverage may indicate that the bank is currently in a defensive posture, prioritizing client retention over immediate margin expansion.
Based on the provided quarterly data, the bank maintains an equity-to-assets ratio of approximately 0.11, which suggests a conservative capital management strategy designed to provide a buffer against the inherent risks of its concentrated venture and commercial real estate loan portfolios.
This capital position appears adequate to support the bank's current risk profile, though it limits the potential for aggressive balance sheet expansion. The focus on retaining earnings rather than returning capital to shareholders indicates that management is prioritizing balance sheet resilience over short-term capital distribution.
The P/E ratio is frequently misapplied to AVBH, as it obscures the impact of lumpy non-interest income and volatile loan loss provisions that do not reflect the bank's core interest-earning capacity or its underlying asset quality.
Investors should instead focus on P/TBV and ROE, as these metrics provide a clearer view of the bank's ability to generate returns on its tangible capital base. Relying on P/E in this context may lead to an inaccurate assessment of the bank's valuation, as it fails to account for the cyclical nature of the venture-linked fee income.
Includes 30+ ratios · 19 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying AVBH stock.
Avidbank Holdings, Inc.'s current P/E ratio is 10.4x. The historical average is 8.5x. This places it at the 100th percentile of its historical range.
Avidbank Holdings, Inc.'s return on equity (ROE) is 10.3%. The historical average is 6.8%.
Based on historical data, Avidbank Holdings, Inc. is trading at a P/E of 10.4x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Avidbank Holdings, Inc. has 34.8% gross margin and -34.8% operating margin.