AVBH Stock Analysis: Avidbank Holdings, Common | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 367m USD | 12M Return: 55% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.29M
EPS Trend: -31.8%
Qual. Beats: 0
Rev. Trend: 15.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Avidbank Holdings, Inc. (AVBH) is a bank holding company headquartered in San Jose, California, serving as the parent entity for Avidbank. Founded in 2003, the institution specializes in tailored financial solutions for commercial and personal clients, with a heavy emphasis on the technology and innovation hubs of the Silicon Valley region. Its service portfolio includes traditional deposit products, asset-based lending, and specialized financing for commercial real estate and construction projects.
The company utilizes a business-focused model that prioritizes specialized credit facilities, such as venture debt, sponsor finance, and ESOP loans, over high-volume retail banking. As a regional bank, Avidbank operates within a sector where profitability is significantly influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. Many regional banks in this category differentiate themselves by offering high-touch treasury management and fraud prevention services to middle-market enterprises.
For a deeper look into the companys valuation metrics and historical performance, you may find ValueRay to be a useful resource. Avidbank’s strategic focus on private equity and venture capital financing further aligns its growth potential with the broader health of the California investment ecosystem.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Venture lending volume fluctuates with Silicon Valley startup funding cycles
- Commercial real estate concentration increases credit risk in high-interest environments
- Asset-based lending expansion drives non-interest income and loan portfolio diversification
| Net Income: 27.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.69 > 1.0 |
| NWC/Revenue: -47.18% < 20% (prev -2.05k%; Δ 2.00k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 43.0m > Net Income 27.6m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.8m) vs 12m ago 40.23% < -2% |
| Gross Margin: 33.77% > 18% (prev -50.75%; Δ 84.53% > 0.5%) |
| Asset Turnover: 3.84% > 50% (prev 4.24%; Δ -0.40% > 0%) |
| Interest Coverage Ratio: -0.40 > 6 (EBIT TTM -22.2m / Interest Expense TTM 54.9m) |
| A: -0.02 (Total Current Assets 10.6m - Total Current Liabilities 55.0m) / Total Assets 2.58b |
| B: 0.05 (Retained Earnings 120.2m / Total Assets 2.58b) |
| C: -0.01 (EBIT TTM -22.2m / Avg Total Assets 2.45b) |
| D: 0.13 (Book Value of Equity 288.4m / Total Liabilities 2.29b) |
| Altman-Z'' = 0.11 = B |
As of July 08, 2026, the stock is trading at USD 32.34 with a total of 153,241 shares traded. Over the past week, the price has changed by -1.07%, over one month by +3.12%, over three months by +12.37% and over the past year by +55.03%.
Current recommended Stop Loss: 30.60 (which is 5.4% or 2.1 ATR below the current price).
Avidbank Holdings, Common has no consensus analysts rating.
P/S = 11.5406
P/B = 1.2727
Revenue TTM = 94.2m USD
EBIT TTM = -22.2m USD
EBITDA TTM = -21.4m USD
Long Term Debt = 77.0m USD (from longTermDebt, last quarter)
Short Term Debt = 55.0m USD (from shortTermDebt, last quarter)
Debt = 77.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 66.4m USD (calculated: Debt 77.0m - CCE 10.6m)
Enterprise Value = 433.5m USD (367.1m + Debt 77.0m - CCE 10.6m)
Interest Coverage Ratio = -0.40 (Ebit TTM -22.2m / Interest Expense TTM 54.9m)
EV/FCF = 10.07x (Enterprise Value 433.5m / FCF TTM 43.0m)
FCF Yield = 9.93% (FCF TTM 43.0m / Enterprise Value 433.5m)
FCF Margin = 45.70% (FCF TTM 43.0m / Revenue TTM 94.2m)
Net Margin = 29.27% (Net Income TTM 27.6m / Revenue TTM 94.2m)
Gross Margin = 33.77% ((Revenue TTM 94.2m - Cost of Revenue TTM 62.4m) / Revenue TTM)
Gross Margin QoQ = 65.48% (prev 59.71%)
Tobins Q-Ratio = 0.17 (Enterprise Value 433.5m / Total Assets 2.58b)
Interest Expense / Debt = 71.27% (Interest Expense 54.9m / Debt 77.0m)
Taxrate = 27.48% (3.42m / 12.4m)
NOPAT = -16.1m (EBIT -22.2m * (1 - 27.48%)) [loss with tax shield]
Current Ratio = 0.19 (Total Current Assets 10.6m / Total Current Liabilities 55.0m)
Debt / Equity = 0.27 (Debt 77.0m / totalStockholderEquity, last quarter 288.4m)
Debt / EBITDA = -3.10 (negative EBITDA) (Net Debt 66.4m / EBITDA -21.4m)
Debt / FCF = 1.54 (Net Debt 66.4m / FCF TTM 43.0m)
Total Stockholder Equity = 261.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 27.6m / Total Assets 2.58b)
RoE = 10.53% (Net Income TTM 27.6m / Total Stockholder Equity 261.7m)
RoCE = -6.56% (EBIT -22.2m / Capital Employed (Equity 261.7m + L.T.Debt 77.0m))
RoIC = -0.63% (negative operating profit) (NOPAT -16.1m / Invested Capital 2.57b)
WACC = 5.92% (E(367.1m)/V(444.1m) * Re(7.16%) + (debt cost/tax rate unavailable))
Discount Rate = 7.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 17.16%
[DCF] Terminal Value 77.97% ; FCFF base≈34.9m ; Y1≈40.0m ; Y5≈58.9m
[DCF] Fair Price = 74.78 (EV 885.6m - Net Debt 66.4m = Equity 819.2m / Shares 11.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -31.75 | EPS CAGR: -3.73% | SUE: 0.31 | # QB: 0
Revenue Correlation: 15.66 | Revenue CAGR: 3.30% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.83 | Chg30d=+0.00% | Revisions=-29% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.86 | Chg30d=+0.29% | Revisions=-29% | Analysts=4
EPS current Year (2026-12-31): EPS=3.42 | Chg30d=+0.29% | Revisions=-17% | GrowthEPS=+22.2% | GrowthRev=+25.3%
EPS next Year (2027-12-31): EPS=3.81 | Chg30d=+0.26% | Revisions=-17% | GrowthEPS=+11.2% | GrowthRev=+11.0%
[Analyst] Revisions Ratio: -35% (up=4, down=10)