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Avidia Bancorp, Inc.

AVBC

$21.50 ▼ -0.23 (-1.06%) at close

10 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Avidia Bancorp, Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $399.0M

Dividend Yield 0.23%

Revenue Growth 23.2%

Op. Margin 29.0%

ROIC None

FCF / Share None

Trailing P/E 67.2x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$28.27M

↑ +23.2% —

Net Income Profit after all expenses

$6.00M

↑ +12.4% —

Operating Margin Operating profit as % of sales

29.0%

↑ +515.0% 19th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Dividend History

Dividend / share · sourced from SEC filings

$0.05 Latest / share

Q4 FY2023

Q1 FY2024

Q2 FY2024

Q3 FY2024

Q4 FY2024

Q1 FY2025

Q2 FY2025

Q3 FY2025

Q4 FY2025

$0.05

Q1 FY2026

Financial view

Statement lens

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	23.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	—	22.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	18.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+215%)	-2.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-139%)	—	—	—	—	—
Net Income Growth YoY (%)	N/M	52.0% Excellent Excellent Year-over-year change in net income	N/M	64.7% Excellent Excellent Year-over-year change in net income	N/M	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	—	-7.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-128%)	19.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	-72.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-388%)	—	12.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	14.3% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	20.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	—
Effective Tax Rate (%) (%)	26.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.2% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	53.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	-3.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	15.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	-50.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-330%)	—	9.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	10.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	15.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	-0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	-6.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-152%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$1.52	—	$1.51	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.32	$0.29	$-0.05	—	—	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.05	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$19.10	$18.88	$18.53	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$18.51	$18.28	$17.94	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	18.56M	—	18.52M	—	—	—	—	—	—	—
Dividend Payout Ratio (%)	15.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$383.52M	$378.99M	$372.04M	$191.43M	$186.06M	$193.83M	$195.03M	$187.04M	$183.74M	$180.80M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$28.27M	—	$27.96M	$25.86M	$22.94M	—	$22.80M	$21.75M	$23.49M	—
Net Income, GAAP (USD)	$6.00M	$5.33M	$-907.00K	$3.87M	$-11.59M	$3.51M	$2.08M	$2.35M	$3.54M	—
Operating Cash Flow (USD)	$8.38M	$8.81M	$24.13M	$-2.34M	$-2.23M	$19.90M	$2.54M	$-589.00K	$1.37M	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Net Interest Margin (approx.) (%)	3.4%	3.3%	3.4%	2.8%	2.8%	2.9%	—	—	—	—
Efficiency Ratio (%) (%)	67.2%	—	101.5%	76.4%	95.2%	—	78.5%	87.2%	77.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 3 years · 10 quarters

Avidia Bancorp, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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