Symbols / AVBC Stock $18.88 -2.07% Avidia Bancorp, Inc.

Financial Services • Banks - Regional • United States • NYQ
AVBC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Robert D. Cozzone
Exch · Country NYQ · United States
Market Cap 350.61M
Enterprise Value 490.18M
Income 14.29M
Sales 103.98M
FCF (ttm) —
Book/sh 20.65
Cash/sh 5.01
Employees 241
Insider 10d —
IPO Aug 01, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 6.50%
P/E 24.52
Forward P/E 13.39
PEG —
P/S 3.37
P/B 0.91
P/C —
EV/EBITDA —
EV/Sales 4.71
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.77
EPS next Y 1.41
EPS Growth —
Revenue Growth 4.11%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-23
Earnings (prior) 2026-04-23
ROA 0.52%
ROE 5.02%
ROIC —
Gross Margin 0.00%
Oper. Margin 32.11%
Profit Margin 13.75%
Shs Outstand 18.57M
Shs Float 17.91M
Insider Own 11.23%
Instit Own 28.93%
Short Float 0.40%
Short Ratio 1.13
Short Interest 71.46K
52W High 21.43
vs 52W High -11.90%
52W Low 14.00
vs 52W Low 34.86%
Beta —
Impl. Vol. —
Rel Volume 1.46
Avg Volume 62.39K
Volume 91.00K
Target (mean) $24.00
Tgt Median $24.00
Tgt Low $24.00
Tgt High $24.00
# Analysts 1
Recom None
Prev Close $19.28
Price $18.88
Change -2.07%
About

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. The company offers savings and checking, certificates of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. It also provides savings, checking, debit cards, credit cards, youth accounts, veterans checking, mobile banking, internet banking, international wires, and health savings and borrowing services, including loans, home equity, mortgages, masshousing homeowner loans, and auto loans. Additionally, the company offers e-banking services, cash management, merchant services, law firm banking, nonprofit banking, and municipal banking services and borrowing services that include commercial loans, commercial mortgage loans, land development loans, business term loans, working capital lines of credit, letters of credit, business manager, dental practice loans, condo association loans, and small business banking partnership services. Further, it offers payments processing services; and invests in liquid assets, including U.S. Treasury securities, U.S. government agency and government-sponsored enterprise securities, mortgage-backed securities, municipal securities, certificates of deposit of federally-insured institutions, and investment grade corporate bonds. Avidia Bancorp, Inc. was founded in 1869 and is headquartered in Hudson, Massachusetts.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$24.00
Mean price target
2. Current target
$18.88
Latest analyst target
3. DCF / Fair value
$11.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$18.88
Low
$24.00
High
$24.00
Mean
$24.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-07-21 init Seaport Global — → Buy $18
News
RSS: Latest AVBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-08 JENSEN BARRY H Officer — 1,000 $20.19 $20,190
2026-04-29 JENSEN BARRY H Officer — 1,000 $20.30 $20,300
2026-04-28 DOANE THOMAS Officer — 2,040 $21.16 $43,166
2026-04-28 MURPHY MICHAEL DENNIS Director — 1,850 $20.94 $38,739
2026-04-28 KARMELEK NICOLAS Officer — 1,220 $20.76 $25,327
2026-04-28 KARMELEK NICOLAS Officer — 1,209 $20.76 $25,099
2026-04-27 BALL JAMES N Director — 5,000 $20.60 $103,000
2026-03-18 MURPHY BARTHOLOMEW H JR Chief Operating Officer — 1,500 $19.15 $28,725
2026-03-12 JENSEN BARRY H Officer — 1,000 $18.69 $18,690
2026-03-12 MURPHY BARTHOLOMEW H JR Chief Operating Officer — 440 $18.62 $8,193
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Revenue
100.70
+17.03%
86.05
+1.41%
84.86
Operating Revenue
100.70
+17.03%
86.05
+1.41%
84.86
Selling General And Administration
50.97
+7.52%
47.41
-4.61%
49.70
Selling And Marketing Expense
1.43
-0.35%
1.43
-41.98%
2.47
General And Administrative Expense
49.54
+7.77%
45.97
-2.66%
47.23
Salaries And Wages
39.72
+14.41%
34.72
+2.15%
33.99
Other Gand A
7.54
-14.06%
8.77
-17.44%
10.62
Reconciled Depreciation
3.00
-0.07%
3.00
-1.09%
3.04
Total Unusual Items
—
0.00
-100.00%
3.26
Total Unusual Items Excluding Goodwill
—
0.00
-100.00%
3.26
Special Income Charges
—
0.00
-100.00%
3.26
Other Special Charges
—
—
-3.26
Net Income
-3.29
-128.64%
11.48
-7.68%
12.44
Pretax Income
-5.68
-136.90%
15.40
-6.72%
16.51
Net Interest Income
86.54
+18.13%
73.26
+2.71%
71.33
Interest Expense
44.04
-12.74%
50.47
+26.85%
39.79
Interest Income
130.58
+5.54%
123.73
+11.35%
111.12
Gain On Sale Of Security
-0.84
+48.87%
-1.64
-34.29%
-1.22
Tax Provision
-2.39
-161.09%
3.92
-3.76%
4.07
Tax Rate For Calcs
0.00
-17.32%
0.00
+2.83%
0.00
Tax Effect Of Unusual Items
0.00
0.00
-100.00%
0.80
Net Income Including Noncontrolling Interests
-3.29
-128.64%
11.48
-7.68%
12.44
Net Income From Continuing Operation Net Minority Interest
-3.29
-128.64%
11.48
-7.68%
12.44
Net Income From Continuing And Discontinued Operation
-3.29
-128.64%
11.48
-7.68%
12.44
Net Income Continuous Operations
-3.29
-128.64%
11.48
-7.68%
12.44
Normalized Income
-3.29
-128.64%
11.48
+15.00%
9.99
Net Income Common Stockholders
-3.29
-128.64%
11.48
-7.68%
12.44
Diluted EPS
-0.18
-131.47%
0.57
-7.68%
0.62
Basic EPS
-0.18
-131.47%
0.57
-7.68%
0.62
Basic Average Shares
18.53
-7.70%
20.08
+0.00%
20.08
Diluted Average Shares
18.53
-7.70%
20.08
+0.00%
20.08
Diluted NI Availto Com Stockholders
-3.29
-128.64%
11.48
-7.68%
12.44
Insurance And Claims
2.28
-8.06%
2.48
-5.12%
2.62
Occupancy And Equipment
6.34
-23.76%
8.32
+4.67%
7.95
Other Non Interest Expense
24.27
+123.62%
10.86
+14.05%
9.52
Professional Expense And Contract Services Expense
3.36
+46.68%
2.29
-9.46%
2.53
Line Item Trend 2025-12-31
Total Assets
2,837.09
Cash And Cash Equivalents
145.45
Cash Equivalents
129.55
Cash Financial
15.90
Other Short Term Investments
178.79
Receivables
8.54
Accounts Receivable
8.54
Net PPE
29.18
Gross PPE
53.42
Accumulated Depreciation
-24.23
Land And Improvements
2.66
Buildings And Improvements
18.05
Machinery Furniture Equipment
16.40
Construction In Progress
0.79
Other Properties
5.69
Leases
9.82
Goodwill And Other Intangible Assets
14.97
Goodwill
11.94
Other Intangible Assets
3.03
Investments And Advances
282.14
Total Liabilities Net Minority Interest
2,458.10
Current Debt And Capital Lease Obligation
240.00
Current Debt
240.00
Other Current Borrowings
240.00
Long Term Debt And Capital Lease Obligation
47.81
Long Term Debt
47.81
Stockholders Equity
378.99
Common Stock Equity
378.99
Capital Stock
0.20
Common Stock
0.20
Share Issued
20.08
Ordinary Shares Number
18.55
Treasury Shares Number
1.53
Additional Paid In Capital
194.90
Retained Earnings
211.98
Gains Losses Not Affecting Retained Earnings
-12.83
Other Equity Adjustments
-12.83
Total Equity Gross Minority Interest
378.99
Total Capitalization
426.81
Invested Capital
666.81
Total Debt
287.81
Net Debt
142.36
Net Tangible Assets
364.02
Tangible Book Value
364.02
Available For Sale Securities
90.35
Cash Cash Equivalents And Federal Funds Sold
145.45
Held To Maturity Securities
13.00
Other Equity Interest
-15.26
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Operating Cash Flow
28.37
+22.17%
23.22
+48.85%
15.60
Cash Flow From Continuing Operating Activities
28.37
+22.17%
23.22
+48.85%
15.60
Net Income From Continuing Operations
-3.29
-128.64%
11.48
-7.68%
12.44
Depreciation Amortization Depletion
3.00
-0.07%
3.00
-1.09%
3.04
Depreciation
3.00
-0.07%
3.00
-1.09%
3.04
Depreciation And Amortization
3.00
-0.07%
3.00
-1.09%
3.04
Other Non Cash Items
8.74
+906.00%
-1.08
-375.44%
-0.23
Stock Based Compensation
1.08
0.00
—
Asset Impairment Charge
0.57
0.00
—
Deferred Tax
-2.76
-408.47%
-0.54
-260.65%
0.34
Deferred Income Tax
-2.76
-408.47%
-0.54
-260.65%
0.34
Operating Gains Losses
0.55
-46.82%
1.04
+144.13%
-2.35
Gain Loss On Investment Securities
0.84
-48.87%
1.64
+34.29%
1.22
Gain Loss On Sale Of PPE
—
0.00
+100.00%
-3.26
Change In Working Capital
-0.56
-107.38%
7.55
+1473.33%
0.48
Change In Receivables
-1.46
-428.62%
-0.28
+78.95%
-1.31
Changes In Account Receivables
0.36
+230.43%
-0.28
+78.95%
-1.31
Change In Other Working Capital
0.90
-88.48%
7.83
+337.07%
1.79
Investing Cash Flow
-111.58
-56.94%
-71.09
+36.38%
-111.75
Cash Flow From Continuing Investing Activities
-111.58
-56.94%
-71.09
+36.38%
-111.75
Net PPE Purchase And Sale
-4.25
-53.37%
-2.77
-260.01%
1.73
Purchase Of PPE
-4.29
-54.56%
-2.77
+11.04%
-3.12
Sale Of PPE
0.03
0.00
-100.00%
4.85
Capital Expenditure
-4.29
-54.56%
-2.77
+11.04%
-3.12
Net Investment Purchase And Sale
11.71
+429.44%
-3.55
-104.02%
88.41
Purchase Of Investment
-53.66
+53.13%
-114.51
-252.03%
-32.53
Sale Of Investment
65.37
-41.08%
110.95
-8.25%
120.94
Net Other Investing Changes
2.93
+24.33%
2.35
+126.04%
-9.04
Financing Cash Flow
166.22
+315.82%
39.97
-54.90%
88.64
Cash Flow From Continuing Financing Activities
166.22
+315.82%
39.97
-54.90%
88.64
Net Issuance Payments Of Debt
-65.00
+14.47%
-76.00
-172.73%
104.50
Issuance Of Debt
0.00
-100.00%
65.00
-67.50%
200.00
Repayment Of Debt
0.00
+100.00%
-105.00
-69.35%
-62.00
Long Term Debt Issuance
0.00
-100.00%
65.00
-67.50%
200.00
Long Term Debt Payments
0.00
+100.00%
-105.00
-69.35%
-62.00
Net Long Term Debt Issuance
0.00
+100.00%
-40.00
-128.99%
138.00
Net Short Term Debt Issuance
-65.00
-80.56%
-36.00
-7.46%
-33.50
Net Common Stock Issuance
169.77
0.00
—
Common Stock Payments
-16.06
0.00
—
Repurchase Of Capital Stock
-16.06
0.00
—
Changes In Cash
83.01
+1150.89%
-7.90
-5.18%
-7.51
Beginning Cash Position
62.44
-11.23%
70.34
-9.65%
77.85
End Cash Position
145.45
+132.94%
62.44
-11.23%
70.34
Free Cash Flow
24.09
+17.78%
20.45
+63.80%
12.48
Interest Paid Supplemental Data
44.23
-12.50%
50.55
+32.16%
38.25
Income Tax Paid Supplemental Data
2.63
-31.50%
3.84
+15.07%
3.34
Amortization Of Securities
-0.40
-5585.71%
-0.01
+72.00%
-0.03
Common Stock Issuance
185.83
0.00
—
Issuance Of Capital Stock
185.83
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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