AVBH

Company Overview — What Does Avidbank Holdings, Inc. Do?

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprises working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, it offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC – real estate secured loans. Further, the company provides various financing solutions, such as structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, it offers various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services, as well as online and mobile banking. The company was formerly known as Peninsula Bank Holding Co. and changed its name to Avidbank Holdings, Inc. in August 2011. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California. Avidbank Holdings, Inc. (AVBH) is classified as a small-cap stock in the Other sector. and employs approximately 130 people. With a market capitalization of $306M, AVBH is one of the notable companies in the Other sector.

Avidbank Holdings, Inc. (AVBH) Stock Rating — Reduce (April 2026)

As of April 2026, Avidbank Holdings, Inc. receives a Reduce rating with a composite score of 37.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.AVBH ranks #2,105 out of 4,446 stocks in our coverage universe. Within the Other sector, Avidbank Holdings, Inc. ranks #16 of 37 stocks, placing it in the upper half of its Other peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AVBH Stock Price and 52-Week Range

Avidbank Holdings, Inc. (AVBH) currently trades at $28.80. The 52-week high for AVBH is $31.61, which means the stock is currently trading -8.9% from its annual peak. The 52-week low is $22.95, putting the stock 25.5% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is AVBH Overvalued or Undervalued? — Valuation Analysis

Avidbank Holdings, Inc. (AVBH) carries a value factor score of 24/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 1.12x, versus the sector average of 1.24x. The price-to-sales ratio is 0.54x, compared to 1.07x for the average Other stock.

At current multiples, Avidbank Holdings, Inc. trades at a premium to most Other peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Avidbank Holdings, Inc. Profitability — ROE, Margins, and Quality Score

Avidbank Holdings, Inc. (AVBH) earns a quality factor score of 25/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -27.8%, compared to the Other sector average of 8.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -3.0% versus the sector average of 1.3%.

The operating margin is -18.5% (sector: 3.0%). Net profit margin stands at -13.4%, versus 6.4% for the average Other stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

AVBH Debt, Balance Sheet, and Financial Health

Avidbank Holdings, Inc. has a debt-to-equity ratio of 815.0%, compared to the Other sector average of 90.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage.

AVBH has a beta of 0.46, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Avidbank Holdings, Inc. is 93/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Avidbank Holdings, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Avidbank Holdings, Inc. reported revenue of $146M and earnings per share (EPS) of $-2.25. Net income for the quarter was $-20M. Operating income came in at $-27M.

In FY 2025, Avidbank Holdings, Inc. reported revenue of $146M and earnings per share (EPS) of $-2.25. Net income for the quarter was $-20M. Operating income came in at $-27M.

In Q3 2025, Avidbank Holdings, Inc. reported revenue of $-61M and earnings per share (EPS) of $-4.12. Net income for the quarter was $-38M. Operating income came in at $-53M.

In Q2 2025, Avidbank Holdings, Inc. reported revenue of $21M and earnings per share (EPS) of $0.77. Net income for the quarter was $6M. Gross margin was 52.5%. Operating income came in at $7M.

Over the past 4 quarters, Avidbank Holdings, Inc. has demonstrated a growth trajectory, with revenue expanding from $21M to $146M. Investors analyzing AVBH stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AVBH Dividend Yield and Income Analysis

Avidbank Holdings, Inc. (AVBH) does not currently pay a dividend. This is common among smaller companies in the Other industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Other dividend stocks may want to explore other Other stocks or use the stock screener to filter by dividend yield.

AVBH Momentum and Technical Analysis Profile

Avidbank Holdings, Inc. (AVBH) has a momentum factor score of 41/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 48/100 reflects moderate short selling activity.

AVBH vs Competitors — Other Sector Ranking and Peer Comparison

Within the Other sector, Avidbank Holdings, Inc. (AVBH) ranks #16 out of 37 stocks based on the Blank Capital composite score. This places AVBH in the upper half of all Other stocks in our coverage universe. Key competitors and sector peers include Berkshire Hathaway Inc Class A (BRK.A) with a score of 53.5/100, Brown-Forman Corp Class A (BF.A) with a score of 48.2/100, Crawford & Company Class A (CRD.A) with a score of 50.5/100, Moog Inc Class A (MOG.A) with a score of 42.6/100, and TEXTRON INC (TXT) with a score of 51.2/100.

Comparing AVBH against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AVBH vs S&P 500 (SPY) comparison to assess how Avidbank Holdings, Inc. stacks up against the broader market across all factor dimensions.

AVBH Next Earnings Date

No upcoming earnings date has been announced for Avidbank Holdings, Inc. (AVBH) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AVBH? — Investment Thesis Summary

The quantitative profile for Avidbank Holdings, Inc. suggests caution. The quality score of 25/100 flags below-average profitability. The value score of 24/100 indicates premium valuation. Low volatility (stability score 93/100) reduces downside risk.

In summary, Avidbank Holdings, Inc. (AVBH) earns a Reduce rating with a composite score of 37.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AVBH stock.

Related Resources for AVBH Investors

Explore more research and tools: AVBH vs S&P 500 comparison, top Other stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AVBH head-to-head with peers: AVBH vs BRK.A, AVBH vs BF.A, AVBH vs CRD.A.