Avidbank Holdings, Inc.

AVBH • Banks - Regional

$31.92

▲ +0.22 (+0.69%)

Current price

EarningsLatest report: Jun 30, 2026

BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.

Market Cap

$344.00M

Growth

29.3%

Cash Flow

4/5

Trend

Mostly stable

Evidence

Stable or improving margins · 32.3%Consistent free cash flow · 4/5Reasonable earnings multiple · 8.35Manageable debt level · 0.08

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 14, 2026, 12:14 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$31.92

Change0.69%

Shares Out10.78M

Market Cap$344.00M

Enterprise Value$119.91M

52W Range23.50 - 34.18

Beta0.33

P/E11.70

P/S5.03

P/B1.16

P/FCF27.67

EV/Sales1.75

Price$31.92

Change0.69%

Shares Out10.78M

Market Cap$344.00M

Enterprise Value$119.91M

52W Range23.50 - 34.18

Beta0.33

P/E11.70

P/S5.03

P/B1.16

P/FCF27.67

EV/Sales1.75

EV/EBITDA-6.10

EV/FCF9.64

Earnings Yield8.55%

FCF Yield3.61%

Dividend Yield0.00%

Gross Margin34.79%

Oper. Margin-34.77%

Profit Margin32.32%

Debt/Eq0.08

Current Ratio0.00

Quick Ratio0.00

Revenue 5Y29.31%

Target$32.50

Target Upside1.82%

Target Median$31.50

Target Range31.00 - 35.00

Volume105.03K

Avg Volume112.80K

EPS Surprise0.04

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

65/100

Financial Strength

Debt, cash, stability

39/100

Growth Potential

Revenue and expansion

52/100

Price Attractiveness

Cheap or expensive today

90/100

Why this score▼

Stable or improving margins · 32.3%Consistent free cash flow · 4/5Reasonable earnings multiple · 8.35Manageable debt level · 0.08

Analyst view

Analyst sentiment and price target

AVBH

Analyst sentiment

Based on 4 analyst votes · 2026-09-05

100/100

Bullish

Hold

Bearish

Price Target

2026-08-14

Low

$35.00

Mean

$35.00

Median

$35.00

High

$35.00

Company Overview

IPO: 8/5/2025

Industry: Banks - Regional

P/B i: 1.16

Debt / Equity i: 0.08

Operating Margin: -34.77%

Net Margin: 32.32%

ROE i: -

ROIC: -

Financial Health

Score8 / 20

Debt / Equity: 0.08

Current Ratio: 0.00

Quick Ratio: 0.00

Status: Moderate

Insider Transactions

Recent executive and insider activity

Dale Jonathan Michael

Transaction: 08/03/2026

OTHER

Change

Price

Not reported

Filing

08/05/2026

Type

OTHER

WASSON ARTHUR

Transaction: 08/01/2026

SELL

Change

-4,408

Price

$32.61

Filing

08/04/2026

Type

SELL

Jensen Keith

Transaction: 05/19/2026

BUY

Change

+1,500

Price

Not reported

Filing

05/21/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
Dale Jonathan Michael	OTHER	0	Not reported	08/03/2026	08/05/2026
WASSON ARTHUR	SELL	-4,408	$32.61	08/01/2026	08/04/2026
Jensen Keith	BUY	+1,500	Not reported	05/19/2026	05/21/2026
VERISSIMO MARC J	BUY	+1,500	Not reported	05/19/2026	05/21/2026
Scott Robert H	BUY	+1,500	Not reported	05/19/2026	05/21/2026
ROSINUS MIKE	BUY	+1,500	Not reported	05/19/2026	05/21/2026
POLSTER BRYAN C.	BUY	+1,500	Not reported	05/19/2026	05/21/2026
MORRIS LINDA RAE	BUY	+1,500	Not reported	05/19/2026	05/21/2026
FLYNN DIANE J.	BUY	+1,500	Not reported	05/19/2026	05/21/2026
BIORN KRISTOFER W.	BUY	+1,500	Not reported	05/19/2026	05/21/2026
Deutsch James F.	BUY	+1,500	Not reported	05/19/2026	05/21/2026
ROSINUS MIKE	SELL	-1,143	$30.45	02/11/2026	03/19/2026
ROSINUS MIKE	SELL	-56,882	$27.41	03/16/2026	03/17/2026
Jensen Keith	OTHER	0	Not reported	03/09/2026	03/17/2026
ROSINUS MIKE	SELL	-7,953	$27.49	03/13/2026	03/16/2026
ROSINUS MIKE	SELL	-19,318	$28.28	03/10/2026	03/16/2026
ROSINUS MIKE	SELL	-15,847	$28.09	03/09/2026	03/09/2026
ROSINUS MIKE	SELL	-9,659	$28.10	03/06/2026	03/09/2026
ROSINUS MIKE	SELL	-16,175	$29.05	03/04/2026	03/05/2026
ROSINUS MIKE	SELL	-2,499	$29.01	03/02/2026	03/03/2026

About the Company

Avidbank Holdings, Inc.

Avidbank Holdings, Inc. serves as the parent company for Avidbank, a financial institution that delivers a broad spectrum of products and services to small and mid-sized businesses, professionals, and individuals. Its primary service area spans the Santa Clara, San Mateo, and San Francisco counties. The bank offers a full suite of deposit accounts for both personal and business use, including checking, money market, savings accounts, and certificates of deposit. Its diverse lending options cater to personal needs, providing secured and unsecured credit lines, home equity lines of credit, and loans for home remodels or new construction, as well as general term loans. For corporate clients, Avidbank extends credit facilities such as working capital lines, equipment financing, acquisition funding, shareholder buyout loans, Employee Stock Ownership Plan (ESOP) loans, and loans for owner-occupied commercial real estate. Furthermore, it provides commercial real estate lending, encompassing both permanent and bridge financing solutions. Avidbank also specializes in construction financing, offering loans for land acquisition, pre-development, speculative single-family dwellings, owner-occupied single-family homes, condominiums, and subdivision developments. This segment also includes unsecured business lines, real estate bridge loans, and other real estate-secured credit facilities. Beyond conventional banking, the company furnishes specialized financial solutions, including structured finance, venture lending, asset-based lending, and sponsor finance. A comprehensive range of banking services is available, such as automated clearing house (ACH) payments and collections, bill pay, wire transfers, lockbox services, merchant services, remote deposit capture, ATM/debit cards, credit cards, business courier services, cash management, and notary services. Additionally, customers can access modern banking conveniences through online and mobile platforms. Founded in 2003, Avidbank Holdings, Inc. is headquartered in San Jose, California.

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Peers

BPRN CBNA FCCO FRAF FSFG FVCB HWBK LCNB OPBK VABK

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

BlackRock Inc. Purchases New Stake in Avidbank Holdings Inc. $AVBH

BlackRock Inc. purchased a new stake in shares of Avidbank Holdings Inc. (NASDAQ: AVBH) in the quarter, according to the company in its most recent disclosure with the SEC. The firm purchased 591,284 shares of the company's stock, valued at approximately $19,530,000. BlackRock Inc. owned about 5.40% of Avidbank at the end

Defense World

Avidbank Holdings, Inc. Announces Completion of $30 Million Subordinated Debt Offering

SAN JOSE, CA / ACCESS Newswire / August 26, 2026 / Avidbank Holdings, Inc. (NASDAQ:AVBH) (or the "Company"), the holding company for Avidbank (the "Bank"), today announced the closing of a $30 million private placement of fixed-to-floating rate subordinated notes. The Company plans to use the net proceeds to repurchase and/or redeem its outstanding $22 million of callable subordinated notes and for general corporate purposes.

Accesswire

Avidbank Announces New HOA Banking Solutions Team

Seasoned HOA bankers Kimberly Bohn and Chris Lucas join a growing roster of talent added in 2026 SAN JOSE, CA / ACCESS Newswire / August 6, 2026 / Avidbank Holdings, Inc. (NASDAQ:AVBH), the holding company for Avidbank, a California state-chartered bank, today announced the hiring of two seasoned professionals, Kimberly Bohn and Chris Lucas, to lead and build its new HOA Banking Solutions vertical. The team extends Avidbank's deposit and treasury management capabilities to homeowners associations (HOAs) and the management companies that serve them, adding further diversification and depth to the Bank's deposit franchise.

Accesswire

Jonathan ("JD") Dale Appointed Avidbank President

SAN JOSE, CA / ACCESS Newswire / August 3, 2026 / Avidbank Holdings, Inc. (the "Company") (NASDAQ:AVBH), the holding company for Avidbank, a California state-chartered bank (the "Bank" or "Avidbank"), today announced the appointment of Jonathan M. Dale (JD) as the Bank's President, who will also serve as the Company's President, effective August 3, 2026.

Accesswire

Avidbank Holdings, Inc. (AVBH) Q2 2026 Earnings Call Transcript

Seeking Alpha

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-27	0.8	0.84	0.04
2026-01-29	0.76	0.65	-0.11
2025-10-23	0.77	0.72	-0.05
2025-08-25	0.75	0.75	0
2025-04-22	0.63	0.71	0.08
2025-01-27	0.67	0.84	0.17
2024-10-21	0.65	0.77	0.12
2024-07-22	0.65	0.46	-0.19
2024-04-17	0.64	0.69	0.05
2024-01-22	0.63	0.65	0.02
2023-10-24	0.68	0.72	0.04
2023-07-20	0.67	0.63	-0.04