Avidia Bancorp Inc. Common Stock (AVBC)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-and-Graham-style investor, I start with what I am buying: a small regional bank holding company with 241 employees, trading at $21.95 at the close on 2026-10-13. The market values it at $438.3 million. At a FairStock-calculated 1.05 times book, the price is not extravagant, but with an ROE of 6.06% and ROCE of 0.61%, this is not a high-return franchise. A P/E of 23.11 on EPS of $0.95 looks full unless earnings keep improving. The filed numbers show a sharp turn: net income was $6.0 million in fiscal Q1 2026, the quarter ended 2026-03-31, and $7.2 million in fiscal Q2 2026, the quarter ended 2026-06-30. That compares with a net loss of $907,000 in fiscal Q3 2025, the quarter ended 2025-09-30, and a full-year net loss of $3.3 million for FY2025, the year ended 2025-12-31. The latest quarter's 24.38% net margin and a FairStock PEG of 0.27 hint at momentum, but two good quarters do not prove durability. The FairStock Score is 59/100, and the Piotroski F-Score is 6/9—middling, not compelling. The Lynch category is none because only two years of filed results exist and three are needed; that limited history matters. For a bank, I would need CET1, net interest margin, nonperforming loans, reserves, and charge-off trends to judge credit and leverage. None are in this data. The price near the 52-week high of $22.90 leaves little margin of safety. I see improvement, but not yet a clearly cheap, high-quality bank.

In plain English: Avidia Bancorp is a small regional bank holding company. It has turned profitable in recent quarters after a losing year, but its returns are still modest and its public record is short. At the recent price, the stock looks fair to somewhat full compared with its profits and net worth.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer