AVBH Stock Overview

Operates as a bank holding company for Avidbank that provides financial products and services to businesses and individuals in the Santa Clara, San Mateo, and San Francisco counties. More details

AVBH fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	2/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 59.6% below our estimate of its fair value

Earnings are forecast to grow 13.61% per year

Earnings grew by 25.1% over the past year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for AVBH from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Avidbank Holdings, Inc. Competitors

Honat Bancorp

OTCPK:HONT

US$164.7m

BV Financial

NasdaqCM:BVFL

US$173.3m

United Security Bancshares

NasdaqGS:UBFO

US$165.8m

BankFinancial

NasdaqGS:BFIN

US$168.0m

Price History & Performance

Summary of share price highs, lows and changes for Avidbank Holdings
Historical stock prices
Current Share Price	US$23.39
52 Week High	US$23.39
52 Week Low	US$18.16
Beta	0.69
1 Month Change	8.34%
3 Month Change	14.10%
1 Year Change	18.79%
3 Year Change	-9.20%
5 Year Change	-6.06%
Change since IPO	122.76%

Recent updates

Shareholder Returns

	AVBH	US Banks	US Market
7D	14.4%	0.9%	-0.8%
1Y	18.8%	41.1%	22.7%

Return vs Industry: AVBH underperformed the US Banks industry which returned 41.1% over the past year.

Return vs Market: AVBH underperformed the US Market which returned 22.7% over the past year.

Price Volatility

Is AVBH's price volatile compared to industry and market?
AVBH volatility
AVBH Average Weekly Movement	3.1%
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: AVBH has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AVBH's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2003	148	Mark Mordell	www.avidbank.com

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to businesses and individuals in the Santa Clara, San Mateo, and San Francisco counties. The company offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. It also provides personal lending products, including secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprising 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.

Avidbank Holdings, Inc. Fundamentals Summary

How do Avidbank Holdings's earnings and revenue compare to its market cap?
AVBH fundamental statistics
Market cap	US$184.79m
Earnings (TTM)	US$21.02m
Revenue (TTM)	US$77.14m

8.8x

P/E Ratio

1.0x

P/B Ratio

Is AVBH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AVBH income statement (TTM)
Revenue	US$77.14m
Cost of Revenue	US$0
Gross Profit	US$77.14m
Other Expenses	US$56.12m
Earnings	US$21.02m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.66
Gross Margin	100.00%
Net Profit Margin	27.24%
Debt/Equity Ratio	111.1%

How did AVBH perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/02 09:20
End of Day Share Price	2025/01/31 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Avidbank Holdings, Inc. is covered by 5 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Gary Tenner	D.A. Davidson & Co.
Timothy Coffey	Janney Montgomery Scott LLC
Andrew Liesch	Piper Sandler Companies

Avidbank Holdings OTCPK:AVBH Stock Report