Avidbank Holdings Inc. Common stock (AVBH)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

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

I approach a small regional bank by asking whether its book value is real and whether it can earn a respectable return on it. Avidbank is a 162-employee bank holding company doing business and personal deposits and lending. The record is not yet consistent enough for a Lynch category; FairStock says only two years of filed annual results exist. In fiscal 2024, the year ended 2024-12-31, it reported net income of $21.0M and diluted EPS of $2.76. In fiscal 2025, the year ended 2025-12-31, it reported a net loss of $19.6M and diluted EPS of -$2.25, driven heavily by fiscal Q3 2025, the quarter ended 2025-09-30, when it lost $37.7M and reported diluted EPS of -$4.12. More recently, fiscal Q1 2026, quarter ended 2026-03-31, produced net income of $9.0M and diluted EPS of $0.84; fiscal Q2 2026, quarter ended 2026-06-30, produced net income of $7.6M and diluted EPS of $0.71. So there is a possible recovery, but I need more evidence. At the 2026-10-13 close of $30.95, FairStock calculates a market cap of $339.9M, P/B of 1.15, P/E of -20.10 and ROE of -5.64%. The Piotroski F-Score is 5/9. A low beta of 0.33 suggests less market sensitivity, not safety. The moat of a small bank is usually local relationships and deposit franchise, but I have no CET1, net interest margin, nonperforming loan, reserve coverage, or loan-to-deposit data. Without those bank-specific measures, the negative trailing ROE and inconsistent earnings mean the modest premium to book is not yet a clear bargain.

In plain English: Avidbank is a small bank holding company that takes deposits and makes business and personal loans. The business looks mixed: it lost money in fiscal 2025, but it earned money in the first two quarters of fiscal 2026. At the recent price, it sells for a bit more than its book value, so it does not look clearly cheap or clearly expensive.

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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