Avidia Bancorp, Inc. (AVBC) Stock

Avidia Bancorp, Inc. (AVBC) is a Financials stock trading at $22.10 (as of 2026-09-03), with a market capitalization of $441.34M and a trailing P/E of 25.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Avidia Bancorp, Inc. is the bank holding company for Avidia Bank, providing retail and business banking services. It offers deposit accounts, consumer and commercial lending products, and payments processing, and it invests in securities such as U.S. Treasury, U.S. Government agency, and municipal securities.

Understand Avidia Bancorp, Inc.: how it makes money

Avidia Bancorp is the holding company for Avidia Bank, a community lender offering checking, savings, mortgages, and commercial loans to local individuals and businesses. It earns the spread between what it pays on deposits and what it collects on loans. Three-quarters of its $2.25 billion loan book is commercial credit, funded mostly by low-cost local transaction deposits.

The entire profit model is the spread between a 74% commercial loan book and a deposit base where 52% is no-interest transaction money; when those two rates converge, the bank has no business.

Business quality (Solid): Solid: a disciplined community bank with clean credit (minimal nonperforming loans) and a cost-efficient deposit franchise, though modest scale limits diversification.

Valuation: At 25× earnings, AVBC trades 93% above the Banking average (13×).

Bull case

  • Efficient revenue conversion: Operating margin sits at 28%, meaning the bank retains a meaningful share of each revenue dollar after all expenses, a sign of tight cost discipline at this scale.

Bear case

  • Multiple outpaces growth: The stock trades at 25.0x earnings, 93% above the 13x banking industry average, a premium that is difficult to justify against roughly 4% year-over-year revenue growth.
  • Commercial book concentration: Commercial loans represent 74% of the $2.25 billion loan book. A regional economic downturn would concentrate credit stress in a single asset class with limited offset from consumer or residential lending.
Valuation — source: SEC EDGAR (first-party)
Price$22.10
Market Cap$441.34M
P/E Ratio25.1
EV / EBITDA17.0
Price / Book1.13
Price / Sales3.28
FCF Yield5.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$130.58M
Net Margin-2.5%
Revenue Growth (YoY)4.3%
FCF Growth (YoY)-227.8%
Valuation vs Sector & Industry
Stock P/E25.1
Sector P/E (Financials)15.2
Industry P/E (Banking)13.0
vs Sector65.0%
vs Industry92.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderT. Rowe Price Investment Management, Inc. ($23.56M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEORobert D. Cozzone
Employees250
CountryUS
IPO Date2025-08-01

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AVBC earnings history · AVBC institutional & insider holders · AVBC KPIs & operating metrics · AVBC financials · AVBC investor presentations & press releases · AVBC SEC filings · AVBC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-03.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.