Full text
Earnings transcript
Read the complete earnings call transcript.
AVBH
Avidbank Holdings, Inc.
$30.93
0.15
(0.49%)
| Exchange: | NASDAQ |
| Market Cap: | 339.468M |
| Shares Outstanding: | 5.86M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Mark D. Mordell | |||||
| Full Time Employees: | 162 | |||||
| Address: |
| |||||
| Website: | https://www.avidbank.com |
Avidbank Holdings, Inc. serves as the parent company for Avidbank, a financial institution that delivers a broad spectrum of products and services to small and mid-sized businesses, professionals, and individuals. Its primary service area spans the Santa Clara, San Mateo, and San Francisco counties. The bank offers a full suite of deposit accounts for both personal and business use, including checking, money market, savings accounts, and certificates of deposit. Its diverse lending options cater to personal needs, providing secured and unsecured credit lines, home equity lines of credit, and loans for home remodels or new construction, as well as general term loans. For corporate clients, Avidbank extends credit facilities such as working capital lines, equipment financing, acquisition funding, shareholder buyout loans, Employee Stock Ownership Plan (ESOP) loans, and loans for owner-occupied commercial real estate. Furthermore, it provides commercial real estate lending, encompassing both permanent and bridge financing solutions. Avidbank also specializes in construction financing, offering loans for land acquisition, pre-development, speculative single-family dwellings, owner-occupied single-family homes, condominiums, and subdivision developments. This segment also includes unsecured business lines, real estate bridge loans, and other real estate-secured credit facilities. Beyond conventional banking, the company furnishes specialized financial solutions, including structured finance, venture lending, asset-based lending, and sponsor finance. A comprehensive range of banking services is available, such as automated clearing house (ACH) payments and collections, bill pay, wire transfers, lockbox services, merchant services, remote deposit capture, ATM/debit cards, credit cards, business courier services, cash management, and notary services. Additionally, customers can access modern banking conveniences through online and mobile platforms. Founded in 2003, Avidbank Holdings, Inc. is headquartered in San Jose, California.
Click to read more…
Revenue Segmentation
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| AVBH | Avidbank Holdings, Inc. | 339.5M | 10.4 | 9.2 | -1.4% |
 BCML | BayCom Corp | 340.2M | 25.4 | 15.3 | 0.5% |
 FDBC | Fidelity D & D Bancorp, Inc. | 337.8M | 10.4 | — | 7.4% |
 CFFI | C&F Financial Corporation | 331.9M | 11.3 | 10.8 | 6.6% |
 FSBW | FS Bancorp, Inc. | 352.6M | 9.9 | 10.3 | 0.7% |
 TSBK | Timberland Bancorp, Inc. | 354.1M | 11.2 | — | 1.5% |
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 67,865 | 77,136 | 74,201 |
| Gross Profit | 67,865 | 77,136 | 25,811 |
| EBITDA | 2,013 | 1,742 | -33,518 |
| Operating Income | 27,447 | 33,572 | -25,796 |
| Net Income | 16,801 | 21,015 | 23,979 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 2,235,235 | 2,308,402 | 2,569,643 |
| Total Liabilities | 2,069,922.999 | 2,122,040 | 2,288,664 |
| Total Stockholders Equity | 165,312 | 186,362 | 280,979 |
| Total Debt | 392,335 | 214,686 | 22,000 |
| Cash and Cash Equivalents | 0 | 0 | 7,942 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 36,327 | 22,691 | 0 |
| Capital Expenditure | -166 | -47 | 0 |
| Free Cash Flow | 36,161 | 22,644 | 0 |
| Net Income | 16,801 | 21,015 | -19,553 |
| Net Change in Cash | 34,108 | 1,305 | -82,701 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 142,273.206 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 148,526.198 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 146,079 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 42,372.686 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 44,771.228 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 43,832.515 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 32,897.424 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 34,792.272 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 34,050.689 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 56,948.083 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 59,450.985 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 58,471.439 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.430 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.530 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.280 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates AVBH intrinsic value between $12.77 – $28.09 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about AVBH valuation
Is Avidbank Holdings, Inc. (AVBH) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Avidbank Holdings, Inc. (AVBH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is AVBH a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AVBH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is AVBH’s P/E ratio?
You can see AVBH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for AVBH?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is AVBH a good long-term investment?
Whether AVBH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
AVBH
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.49
Trading Metrics:
| Open: | 31.1 | Previous Close: | 30.78 | |
| Day Low: | 30.87 | Day High: | 31.34 | |
| Year Low: | 24.03 | Year High: | 34.18 | |
| Price Avg 50: | 31.68 | Price Avg 200: | 30.3 | |
| Volume: | 56851 | Average Volume: | 106244 |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's free
