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AVBH stock logo

AVBH

Avidbank Holdings, Inc.

$31.81
0.45
 (1.43%)
Exchange:  NASDAQ
Market Cap:  276.82M
Shares Outstanding:  5.86M
Delayed data
Calculate AVBH Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Mark D. Mordell
Full Time Employees:  148
Address: 
1732 North 1st Street
San Jose
CA
95112
US
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/28 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue67,86577,13674,201
Gross Profit67,86577,13625,811
EBITDA00-34,358
Operating Income27,44733,572-25,796
Net Income16,80121,01523,979

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,235,2352,308,4022,569,643
Total Liabilities2,069,922.9992,122,0402,288,664
Total Stockholders Equity165,312186,362280,979
Total Debt392,335214,68622,000
Cash and Cash Equivalents007,942

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Cash Flow Statement

Year202320242025
Operating Cash Flow36,32722,6910
Capital Expenditure-166-470
Free Cash Flow36,16122,6440
Net Income16,80121,015-19,553
Net Change in Cash34,1081,305-82,701

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)128,830.190Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)130,431.809Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)129,631Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-12,079.018Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-11,930.695Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-12,004.856Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)29,014.646Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)29,480.134Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)29,247.390Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)51,567.211Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)52,208.295Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)51,887.753Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.840Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.770Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.88
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
11.99
?Enterprise Value
 (TTM)
: 
337.681M  ?EV/FCF
 (TTM)
: 
17.92
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.27
?P/B
 (TTM)
: 
1.15  ?Current Ratio
 (TTM)
: 
0.19

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.33Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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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

1.43
MARKETSnap

Trading Metrics:

Open: 31.4   Previous Close: 31.36
Day Low: 31.4   Day High: 32.5
Year Low: 19.75   Year High: 32.5
Price Avg 50: 29.8   Price Avg 200: 27.49
Volume: 122401   Average Volume: 86487

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Relevant news

Avidbank Holdings, Inc. (AVBH) Q1 2026 Earnings Call Transcript
28-04-2026 13:11
Avidbank Holdings, Inc. (AVBH) Q1 2026 Earnings Call Transcript
Avidbank Holdings (AVBH) Reports Q1 Earnings: What Key Metrics Have to Say
27-04-2026 20:01
Avidbank Holdings (AVBH) Reports Q1 Earnings: What Key Metrics Have to Say
Avidbank Holdings, Inc. Announces Financial Results for the First Quarter of 2026
27-04-2026 16:05
Avidbank Holdings, Inc. Announces Financial Results for the First Quarter of 2026

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