OTCPK:AVBH

Stock Analysis Report

Executive Summary

Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mateo, San Francisco, and Santa Clara counties.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • Avidbank Holdings is not covered by any analysts.

Similar Companies

Share Price & News

How has Avidbank Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-2.1%

OTCPK:AVBH

-0.04%

US Banks

-1.2%

US Market


1 Year Return

-6.2%

OTCPK:AVBH

-8.0%

US Banks

3.3%

US Market

AVBH matched the Banks industry (-6.5%) over the past year.

AVBH underperformed the Market in United States of America which returned 3.4% over the past year.


Share holder returns

AVBHIndustryMarket
7 Day-2.1%-0.04%-1.2%
30 Day-1.7%2.7%0.8%
90 Day-2.7%-0.8%0.9%
1 Year-6.2%-6.2%-5.5%-8.0%5.6%3.3%
3 Year59.3%59.3%56.2%45.6%45.4%35.9%
5 Year104.0%104.0%63.7%46.1%59.4%41.7%

Price Volatility Vs. Market

How volatile is Avidbank Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Avidbank Holdings undervalued based on future cash flows and its price relative to the stock market?

11.12x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Avidbank Holdings's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Avidbank Holdings's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Avidbank Holdings is good value based on earnings compared to the US Banks industry average.

Avidbank Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Avidbank Holdings, we can't assess if its growth is good value.


Price Based on Value of Assets

Avidbank Holdings is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Avidbank Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Avidbank Holdings is high growth as no revenue estimate data is available.

Avidbank Holdings's earnings are expected to grow by 5.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare Avidbank Holdings's revenue growth to the United States of America market average as no estimate data is available.

Avidbank Holdings's earnings growth is positive but not above the United States of America market average.

Avidbank Holdings's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Avidbank Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Avidbank Holdings performed over the past 5 years?

29.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Avidbank Holdings has delivered over 20% year on year earnings growth in the past 5 years.

Avidbank Holdings's 1-year earnings growth exceeds its 5-year average (96.3% vs 29.7%)

Avidbank Holdings's earnings growth has exceeded the US Banks industry average in the past year (96.3% vs 37.7%).


Return on Equity

Avidbank Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Avidbank Holdings used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Avidbank Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Avidbank Holdings's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Avidbank Holdings has an acceptable proportion of non-loan assets held.

Avidbank Holdings has a sufficient allowance for bad loans.

Avidbank Holdings's liabilities are made up of primarily low risk sources of funding.

Avidbank Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Avidbank Holdings are broadly funded by customer deposits.

Avidbank Holdings has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Avidbank Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Avidbank Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Avidbank Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Avidbank Holdings has not reported any payouts.

Unable to verify if Avidbank Holdings's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Avidbank Holdings has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Avidbank Holdings's salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average management tenure


CEO

Mark Mordell (59yo)

7.3yrs

Tenure

Mr. Mark D. Mordell is the Founder and Board Member of CBC Properties, LLC. Mr. Mordell has been the Chairman of Avidbank Holdings, Inc. (the “Company”) since February 2007 and has been its Chief Executive ...


Management Age and Tenure

3.5yrs

Average Tenure

59yo

Average Age

The tenure for the Avidbank Holdings management team is about average.


Board Age and Tenure

5.5yrs

Average Tenure

63yo

Average Age

The tenure for the Avidbank Holdings board of directors is about average.


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • Bob Foley

    Senior VP & Northeast Regional Manager of Corporate Finance Division

    • Tenure: 3.3yrs
  • Mark Mordell (59yo)

    Chairman & CEO

    • Tenure: 7.3yrs
  • Dori Hamilton

    Executive VP & Chief Banking Officer

    • Tenure: 7.3yrs
  • Sam Bhaumik (55yo)

    Executive VP of Venture Lending

    • Tenure: 0.6yrs
  • Cathe Franklin

    Investor Relations Contact

    • Tenure: 3.5yrs
  • An Tran

    Senior Vice President of Private Banking

    • Tenure: 2.0yrs
  • Joan Secoquian

    Senior VP & Relationship Manager of Corporate Banking

    • Tenure: 3.3yrs
  • Ken Brenner (74yo)

    Head of Strategic Relationships & Director

    • Tenure: 5.8yrs
  • Jon Krogstad

    Senior Vice President of Specialty Finance

  • Steve Leen

    Executive VP & CFO

    • Tenure: 11.5yrs

Board Members

  • Marc Verissimo (63yo)

    Director

    • Tenure: 2.0yrs
  • Roxy Rapp

    Director

    • Tenure: 11.5yrs
  • Mark Mordell (59yo)

    Chairman & CEO

    • Tenure: 11.5yrs
  • Kristofer Biorn

    Director

    • Tenure: 10.4yrs
  • Lisa Hendrickson

    Director

  • Rob Scott (64yo)

    Director

    • Tenure: 2.5yrs
  • Hugh Barton

    Director Emeritus

  • Mike Rosinus (60yo)

    Director

    • Tenure: 4.8yrs
  • Ken Brenner (74yo)

    Head of Strategic Relationships & Director

  • Bryan Polster

    Lead Independent Director

    • Tenure: 5.5yrs

Company Information

Avidbank Holdings, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Avidbank Holdings, Inc.
  • Ticker: AVBH
  • Exchange: OTCPK
  • Founded: 2003
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$142.108m
  • Shares outstanding: 6.05m
  • Website: Click here

Number of Employees


Location

  • Avidbank Holdings, Inc.
  • 1732 North 1st Street
  • 6th Floor
  • San Jose
  • California
  • 95112
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AVBHOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJun 2004

Biography

Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mate ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/22 02:29
End of Day Share Price2019/07/19 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.