AVBC
BEARISH
$17.23
Live
Avidia Bancorp, Inc. · NYSE
Target $20.0
(+16.1%)
$14.0
52W Range
$17.69
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$345.91M
P/E
N/A
ROE
N/A
Profit margin
-6.4%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
The deterministic health scores paint a concerning picture, with a Piotroski F-Score of just 1/9 indicating severe financial weakness. Despite strong year-over-year revenue growth of 28%, the company is unprofitable with negative profit and operating margins, undermining its financial stability. Valuation metrics like a Price/Book of 0.93 suggest the market is pricing in limited confidence, while the technical trend score of 10/100 reflects strong bearish momentum. The absence of Altman Z-Score data is a red flag, but the extremely low Piotroski score alone warrants significant caution.
Key Strengths
Strong YoY revenue growth of 28.00% outpaces sector average of 31.03%, showing top-line momentum
Forward P/E of 13.78 is below sector average of 30.90, suggesting potential relative value
Insider sentiment score of 60/100 indicates mildly positive internal outlook
Analyst target price of $20.00 implies 16% upside from current levels
Price/Book ratio of 0.93 suggests shares trade below book value, a potential floor
Key Risks
Piotroski F-Score of 1/9 indicates critical financial distress and weak fundamentals
Negative profit margin (-6.43%) and operating margin (-4.24%) show ongoing unprofitability
Gross margin at 0.00% is highly unusual for a bank and suggests core business model issues
Technical trend score of 10/100 signals strong bearish price momentum
Dividend strength of 0/100 and no dividend history reduce income appeal
AI Fair Value Estimate
Based on comprehensive analysis
$18.5
+7.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
34
Weak
55
60
40
15
0
AI Verdict
Weak fundamentals with speculative upside
Key drivers: Low Piotroski F-Score, Negative profitability, Strong revenue growth, Bullish analyst target, Bearish technicals
Confidence
70%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 13.78 below sector average
- Price/Book of 0.93 suggests undervaluation relative to assets
Watchpoints
- No Graham Number or Intrinsic Value available
- P/E and PEG ratios lack current data for full valuation context
Future
60/100
Ref Growth rates
Positives
- 28.00% YoY revenue growth is robust
- Analyst target implies 16% upside
Watchpoints
- No earnings growth data available
- No PEG ratio to assess growth-adjusted valuation
Past
40/100
Ref Historical trends
Positives
- Consistent 17.7% returns over 1Y, 3Y, and 5Y periods
Watchpoints
- 1M and 1W performance show recent reversal with -0.1% and -0.6% changes
- No historical profitability or balance sheet trends available
Health
15/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 1/9 indicates severe financial weakness
- Negative profit and operating margins
- Gross margin at 0.00% is alarming for a financial institution
- No Altman Z-Score, ROE, ROA, or debt/equity data available
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Dividend strength of 0/100
- No dividend yield or payout history
- Payout ratio at 0.00% with no distributions
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.23
Analyst Target
$20.0
Upside/Downside
+16.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AVBC and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AVBC
Avidia Bancorp, Inc.
Primary
|
+17.7% | +17.7% | +17.7% | +17.7% | -0.1% | -0.6% |
|
FRST
Primis Financial Corp.
Peer
|
+8.4% | +62.6% | +66.1% | +36.4% | +8.3% | +5.0% |
|
NECB
Northeast Community Bancorp, Inc.
Peer
|
+140.5% | +109.7% | +22.4% | +25.8% | +8.3% | 0.0% |
|
PKBK
Parke Bancorp, Inc.
Peer
|
+81.2% | +91.4% | +76.3% | +49.6% | +8.2% | -1.6% |
|
BGT
BlackRock Floating Rate Income Trust
Peer
|
+50.6% | +43.0% | +2.8% | -2.7% | +2.7% | +1.0% |
AVB
Avidia Bancorp, Inc.
Primary
5Y
+17.7%
3Y
+17.7%
1Y
+17.7%
6M
+17.7%
1M
-0.1%
1W
-0.6%
FRS
Primis Financial Corp.
Peer
5Y
+8.4%
3Y
+62.6%
1Y
+66.1%
6M
+36.4%
1M
+8.3%
1W
+5.0%
NEC
Northeast Community Bancorp, Inc.
Peer
5Y
+140.5%
3Y
+109.7%
1Y
+22.4%
6M
+25.8%
1M
+8.3%
1W
0.0%
PKB
Parke Bancorp, Inc.
Peer
5Y
+81.2%
3Y
+91.4%
1Y
+76.3%
6M
+49.6%
1M
+8.2%
1W
-1.6%
BGT
BlackRock Floating Rate Income Trust
Peer
5Y
+50.6%
3Y
+43.0%
1Y
+2.8%
6M
-2.7%
1M
+2.7%
1W
+1.0%
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
N/A
Forward P/E
13.78
PEG Ratio
N/A
P/B Ratio
0.93
P/S Ratio
4.35
EV/Revenue
6.64
EV/EBITDA
N/A
Market Cap
$345.91M
Profitability
Profit margins and return metrics
Profit Margin
-6.43%
Operating Margin
-4.24%
Gross Margin
N/A
ROE
N/A
ROA
N/A
Growth
Revenue and earnings growth rates
Revenue Growth
+28.0%
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
$5.88
Financial Services Sector Comparison
Comparing AVBC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
Profit Margin
-6.43%
This Stock
vs
91.62%
Sector Avg
-107.0%
(Weaker)
Revenue Growth
28.0%
This Stock
vs
35.27%
Sector Avg
-20.6%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AVBC
Avidia Bancorp, Inc.
|
BEARISH | $345.91M | - | -% | -6.4% | $17.23 | |
|
FRST
Primis Financial Corp.
|
NEUTRAL | $346.53M | 5.63 | 14.7% | 29.1% | $14.03 | Compare |
|
NECB
Northeast Community Bancorp, Inc.
|
BULLISH | $345.3M | 7.68 | 13.3% | 42.3% | $24.96 | Compare |
|
PKBK
Parke Bancorp, Inc.
|
BULLISH | $347.34M | 9.28 | 12.1% | 48.8% | $29.33 | Compare |
|
BGT
BlackRock Floating Rate...
|
BEARISH | $344.48M | 13.28 | 6.8% | 66.0% | $11.55 | Compare |
AVBC
Avidia Bancorp, Inc.
BEARISH
Mkt Cap
$346M
P/E
-
ROE
-%
Price
$17.23
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-17 | JENSEN BARRY H | Officer | Purchase | 2,500 | $42,674 |
| 2025-12-01 | BALL JAMES N | Director | Purchase | 5,000 | $80,656 |
| 2025-12-01 | MURPHY MICHAEL DENNIS | Chairman of the Board | Purchase | 6,230 | $99,671 |
| 2025-11-24 | NELSON JONATHAN MICHAEL | Chief Financial Officer | Purchase | 3,245 | $50,005 |
| 2025-11-21 | COZZONE ROBERT D | Chief Executive Officer | Purchase | 3,261 | $50,004 |
| 2025-11-18 | JENSEN BARRY H | Officer | Purchase | 2,500 | $37,321 |
| 2025-11-18 | GIRARD MICHAEL R. | Director | Purchase | 525 | $7,857 |
| 2025-11-13 | JENSEN BARRY H | Officer | Purchase | 5,000 | $76,224 |
| 2025-11-07 | MURPHY MICHAEL DENNIS | Chairman of the Board | Purchase | 10,000 | $151,175 |
| 2025-11-05 | COZZONE ROBERT D | Chief Executive Officer | Purchase | 3,277 | $50,006 |
| 2025-11-03 | COZZONE ROBERT D | Chief Executive Officer | Purchase | 3,310 | $49,996 |
| 2025-10-31 | JENSEN BARRY H | Officer | Purchase | 2,500 | $37,413 |
| 2025-10-30 | JENSEN BARRY H | Officer | Purchase | 2,500 | $37,500 |
| 2025-10-30 | COZZONE ROBERT D | Chief Executive Officer | Purchase | 3,325 | $49,987 |
| 2025-09-18 | JENSEN BARRY H | Officer | Purchase | 2,500 | $39,625 |
JENSEN BARRY H
Officer
2025-12-17
2,500 shares
·
$42,674
BALL JAMES N
Director
2025-12-01
5,000 shares
·
$80,656
MURPHY MICHAEL DENNIS
Chairman of the Board
2025-12-01
6,230 shares
·
$99,671
NELSON JONATHAN MICHAEL
Chief Financial Officer
2025-11-24
3,245 shares
·
$50,005
COZZONE ROBERT D
Chief Executive Officer
2025-11-21
3,261 shares
·
$50,004
JENSEN BARRY H
Officer
2025-11-18
2,500 shares
·
$37,321
GIRARD MICHAEL R.
Director
2025-11-18
525 shares
·
$7,857
JENSEN BARRY H
Officer
2025-11-13
5,000 shares
·
$76,224
MURPHY MICHAEL DENNIS
Chairman of the Board
2025-11-07
10,000 shares
·
$151,175
COZZONE ROBERT D
Chief Executive Officer
2025-11-05
3,277 shares
·
$50,006
COZZONE ROBERT D
Chief Executive Officer
2025-11-03
3,310 shares
·
$49,996
JENSEN BARRY H
Officer
2025-10-31
2,500 shares
·
$37,413
JENSEN BARRY H
Officer
2025-10-30
2,500 shares
·
$37,500
COZZONE ROBERT D
Chief Executive Officer
2025-10-30
3,325 shares
·
$49,987
JENSEN BARRY H
Officer
2025-09-18
2,500 shares
·
$39,625
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning AVBC from our newsroom.
Newest → oldest
No matching news yet.