AVBH
BEARISH
$27.58
Live
Avidbank Holdings, Inc. · NASDAQ
Target $31.62
(+14.7%)
$19.75
52W Range
$27.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$302.02M
P/E
12.1
ROE
-8.7%
Profit margin
-90.6%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
78%
The Advanced Deterministic Scorecard reveals significant concerns: a weak Piotroski F-Score of 4/9 indicates marginal financial health, and the absence of an Altman Z-Score prevents a full distress risk assessment. Despite a current price of $27.58, profitability metrics are deeply problematic with a -90.58% profit margin and negative ROE/ROA, undermining valuation appeal. Although the stock has delivered strong price performance over the past year (+34.9%), this is not supported by consistent earnings growth or cash flow visibility. The high P/E relative to peers and deteriorating recent earnings trends further suggest overvaluation and weakening fundamentals.
Key Strengths
Recent price performance has been strong, with a 1-year return of +34.9% and 5-year return of +48.3%, indicating investor interest.
Forward P/E of 8.69 suggests potential earnings improvement expectations, below current P/E of 12.10.
Analyst target price of $31.62 implies ~14.6% upside, indicating some external optimism.
Operating margin of 134.08% is unusually high, possibly reflecting low operating expenses relative to revenue, though this may be an accounting anomaly.
Quarterly earnings have beaten estimates in 10 of the last 17 quarters, showing intermittent execution capability.
Key Risks
Piotroski F-Score of 4/9 signals weak financial health, particularly concerning for a financial institution where stability is critical.
Profit margin of -90.58% and ROE of -8.68% indicate severe unprofitability and poor capital efficiency.
Missing financial data (Debt/Equity, Cash, Debt, EV, ROIC) raises transparency concerns and limits risk assessment.
Recent earnings momentum is deteriorating: last 4 quarters show only 1 beat with an average surprise of just 5.4% and negative YoY EPS growth of -6.5%.
Technical trend score of 10/100 signals strong bearish momentum despite recent price appreciation, suggesting potential reversal risk.
AI Fair Value Estimate
Based on comprehensive analysis
$15.96
-42.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
31
Weak
32
40
55
30
0
AI Verdict
Financially unstable with poor profitability and weak momentum despite price strength.
Key drivers: Low Piotroski F-Score (4/9), Negative profit margin and ROE, Missing Altman Z-Score and key financials, Deteriorating earnings growth, High valuation relative to intrinsic value
Confidence
75%
Value
32/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 8.69 suggests lower expected valuation
- Price/Book of 1.10 is moderate for a bank
Watchpoints
- Current price ($27.58) is 73% above Graham Number ($35.81) — wait, this is incorrect: $27.58 is actually below Graham Number $35.81, so correction: stock is below defensive fair value
- Price/Sales of 13.65 is extremely high, especially with negative margins
- Intrinsic value (Growth-based) is only $15.96, 42% below current price
Future
40/100
Ref Growth rates
Positives
- Forward P/E implies earnings growth expectations
- Analyst target suggests upside
Watchpoints
- YoY EPS growth is -6.5%
- Q/Q EPS growth is -4.0%
- Revenue growth data unavailable, but profit collapse suggests weak outlook
Past
55/100
Ref Historical trends
Positives
- Strong 5Y price return of +48.3%
- History of mixed but occasionally strong earnings beats (e.g., +34% surprise in Jan 2025)
Watchpoints
- Earnings volatility is high (e.g., -39.5% surprise in Jan 2022)
- Long-term profitability is negative
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4 is not in the weakest tier (0-3)
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Altman Z-Score is missing, preventing distress risk confirmation
- ROE of -8.68% and ROA of -0.86% signal capital destruction
- Negative profit margin of -90.58% is critical red flag
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Dividend Strength is 0/100
- No dividend yield or payout history
- No indication of capital return to shareholders
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$27.58
Analyst Target
$31.62
Upside/Downside
+14.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AVBH and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AVBH
Avidbank Holdings, Inc.
Primary
|
+48.3% | +35.2% | +34.9% | +20.4% | +1.4% | +4.1% |
|
BGH
Barings Global Short Duration High Yield Fund
Peer
|
+61.9% | +53.0% | +5.4% | +2.6% | -0.2% | +0.0% |
|
COSO
CoastalSouth Bancshares, Inc.
Peer
|
+21.6% | +21.6% | +21.6% | +18.4% | +4.9% | -2.2% |
|
EMF
Templeton Emerging Markets Fund
Peer
|
+51.3% | +127.0% | +78.0% | +27.6% | +14.5% | +1.2% |
|
DSM
BNY Mellon Strategic Municipal Bond Fund, Inc.
Peer
|
-6.8% | +18.4% | +13.5% | +2.1% | +2.6% | -1.6% |
AVB
Avidbank Holdings, Inc.
Primary
5Y
+48.3%
3Y
+35.2%
1Y
+34.9%
6M
+20.4%
1M
+1.4%
1W
+4.1%
BGH
Barings Global Short Duration High Yield Fund
Peer
5Y
+61.9%
3Y
+53.0%
1Y
+5.4%
6M
+2.6%
1M
-0.2%
1W
+0.0%
COS
CoastalSouth Bancshares, Inc.
Peer
5Y
+21.6%
3Y
+21.6%
1Y
+21.6%
6M
+18.4%
1M
+4.9%
1W
-2.2%
EMF
Templeton Emerging Markets Fund
Peer
5Y
+51.3%
3Y
+127.0%
1Y
+78.0%
6M
+27.6%
1M
+14.5%
1W
+1.2%
DSM
BNY Mellon Strategic Municipal Bond Fund, Inc.
Peer
5Y
-6.8%
3Y
+18.4%
1Y
+13.5%
6M
+2.1%
1M
+2.6%
1W
-1.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.1
Forward P/E
8.69
PEG Ratio
N/A
P/B Ratio
1.1
P/S Ratio
13.65
EV/Revenue
14.36
EV/EBITDA
N/A
Market Cap
$302.02M
Profitability
Profit margins and return metrics
Profit Margin
-90.58%
Operating Margin
134.08%
Gross Margin
N/A
ROE
-8.68%
ROA
-0.86%
Growth
Revenue and earnings growth rates
Revenue Growth
N/A
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$1.18
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2025-10-23
$0.72
-4.6% surprise
2025-08-25
$0.75
2025-04-22
$0.71
+15.4% surprise
Financial Services Sector Comparison
Comparing AVBH against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.1
This Stock
vs
36.01
Sector Avg
-66.4%
(Discount)
Return on Equity (ROE)
-8.68%
This Stock
vs
-0.73%
Sector Avg
+1085.1%
(Excellent)
Profit Margin
-90.58%
This Stock
vs
91.62%
Sector Avg
-198.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AVBH
Avidbank Holdings, Inc.
|
BEARISH | $302.02M | 12.1 | -8.7% | -90.6% | $27.58 | |
|
BGH
Barings Global Short...
|
BEARISH | $302.57M | 9.37 | -% | -% | $15.08 | Compare |
|
COSO
CoastalSouth Bancshares, Inc.
|
NEUTRAL | $303.95M | 11.53 | 11.3% | 31.9% | $25.36 | Compare |
|
EMF
Templeton Emerging Markets Fund
|
BULLISH | $305.09M | 6.07 | 20.8% | 769.7% | $20.41 | Compare |
|
DSM
BNY Mellon Strategic...
|
NEUTRAL | $297.07M | - | -1.7% | -24.2% | $6.01 | Compare |
AVBH
Avidbank Holdings, Inc.
BEARISH
Mkt Cap
$302M
P/E
12.1
ROE
-8.7%
Price
$27.58
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
4 analysts
DA Davidson
2025-10-28
Buy
Buy
DA Davidson
2025-09-02
Buy
Buy
Past News Coverage
Recent headlines mentioning AVBH from our newsroom.
Newest → oldest
No matching news yet.