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Avidia Bancorp Inc (AVBC)

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Avidia Bancorp Inc. is a bank holding company listed on the NYSE under the ticker AVBC. Through its subsidiary, Avidia Bank, the company provides a range of banking services to individual and corporate clients. Its deposit products include savings and checking accounts, certificates of deposit, individual retirement accounts, money market accounts, demand deposits, and both interest-bearing and noninterest-bearing checking accounts. On the lending side, Avidia offers commercial and industrial loans, residential mortgage loans, home equity and second mortgage loans, multifamily mortgage loans, commercial real estate loans, construction and land loans, consumer loans, and related products such as land development, business term, and auto loans. The company also provides payments processing services and maintains an investment portfolio that includes U.S. Treasury securities, U.S. government agency securities, and municipal securities. Founded in 1869 and headquartered in Hudson, Massachusetts, Avidia Bancorp operates in the financials sector and banking industry.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-AVBC
$13.83
-31.6% Downside
Overvalued
$24
18.6% Upside
Undervalued
Fair
—
—
0.2
1.0%
July 31, 2026
26.3x
1.0x
3.6x
373.8 M
—
39.5%
96.3%
-1.6
7.0%
249.7%
Valuation • Fair Value

Avidia Bancorp Inc (NYSE-AVBC) Fair Value by Valuation Model

Compare the primary fair value estimate for Avidia Bancorp Inc (NYSE-AVBC) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$13.83

Estimated downside of 31.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$8.54

Classic Ben Graham valuation formula reference.

DDM Fair Value

$9.61

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$15.24

Comparable-company valuation reference.

Analyst Price Target

$24

Analysts imply upside of 18.6%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Avidia Bancorp Inc (NYSE-AVBC) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Avidia Bancorp Inc (NYSE-AVBC)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

104 M

Current operating scale indicator.

Revenue Forecast

82.122 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Avidia Bancorp Inc (NYSE-AVBC) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Avidia Bancorp Inc (NYSE-AVBC)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.6

Lower score that deserves closer risk review.

FCF / Net Income

249.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Avidia Bancorp Inc (NYSE-AVBC). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Avidia Bancorp Inc (NYSE-AVBC)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 31, 2026

Days to Earnings

10

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.0%

Income yield reference.

Upcoming Dividend

0.2

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

7.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Avidia Bancorp Inc (NYSE-AVBC), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Avidia Bancorp Inc (NYSE-AVBC) Stock Forecast & Technical Outlook

Review Avidia Bancorp Inc (NYSE-AVBC) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Sell

The 15-minute technical read for Avidia Bancorp Inc (NYSE-AVBC) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Avidia Bancorp Inc (NYSE-AVBC) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Avidia Bancorp Inc (NYSE-AVBC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Buy

The weekly technical read for Avidia Bancorp Inc (NYSE-AVBC) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Avidia Bancorp Inc (NYSE-AVBC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Avidia Bancorp Inc (NYSE-AVBC)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Avidia Bancorp Inc (NYSE-AVBC) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ • Fast Investor Answers

Avidia Bancorp Inc (NYSE-AVBC) Stock FAQ

Quick answers about Avidia Bancorp Inc (NYSE-AVBC) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$13.83
Estimated downside 31.6%
Valuation Rating
Overvalued
Estimated downside of 31.6%
Analyst Target
$24
Implied upside 18.6%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Avidia Bancorp Inc (NYSE-AVBC) is $13.83. This implies an estimated downside of 31.6% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 31.6% versus the current market price.

The available analyst price target for Avidia Bancorp Inc (NYSE-AVBC) is $24. The analyst target implies estimated upside of 18.6%.

The current financial health read for Avidia Bancorp Inc (NYSE-AVBC) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Avidia Bancorp Inc (NYSE-AVBC) is July 31, 2026.

Based on the current data, dividend yield is 1.0%, upcoming dividend amount is 0.2.

The current P/E ratio listed for Avidia Bancorp Inc (NYSE-AVBC) is 26.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Avidia Bancorp Inc is 373.8 M.

The ticker symbol for Avidia Bancorp Inc is NYSE-AVBC, and the stock is listed on NYSE.

Avidia Bancorp Inc (NYSE-AVBC) is listed on NYSE.

The current debt-to-total-capital ratio listed for Avidia Bancorp Inc is 39.5%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Avidia Bancorp Inc is 96.3%. Free float helps investors understand how much of the share base is available for public trading.

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