Avidia Bancorp Inc

Avidia Bancorp Inc (AVBC) Stock Analysis

$22.660

+0.315 (+1.39%)At close

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High
22.840
Open
22.450
VWAP
22.60
Volume
138.44K
Mkt Cap
—
Low
22.290
Amount
3.13M
EV/EBITDA, TTM
12.47

Avidia Bancorp, Inc. is the bank holding company of Avidia Bank. Avidia Bank is a Massachusetts-chartered stock savings bank. The Company's business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans. Its commercial and industrial loan portfolio includes condominium association loans, dental practice loans, and solar plant loans, among others. It also invests in securities, primarily of United States Treasury securities, United States Government agency securities and municipal securities. The Company offers a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts and interest-bearing and noninterest-bearing checking accounts. The Company also offers Health Savings Accounts (HSAs) nationwide.

AI analysis of Avidia Bancorp Inc (AVBC)

Buy

Avidia Bancorp Inc is a good buy right now due to its strong recent performance, with a year-to-date change of +37.17% and a current price of $22.66, which is below the analyst price target of $26. The stock's RSI is at 81.953, indicating it is overbought, but the positive earnings surprise of 23.68% and consistent revenue growth suggest continued strength. The main risk is the high debt-to-equity ratio of 60.82%, which may impact financial stability if not managed carefully.

Valuation Metrics

The current forward P/E ratio for Avidia Bancorp Inc (AVBC) is 14.62, compared to its 5-year average forward P/E of 13.06.

Forward P/E

Fair
5Y Average P/E
13.06
Current P/E
14.62
Overvalued
19.79
Undervalued
6.33

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
1.42
Current EV/EBITDA
12.47
Overvalued
5.35
Undervalued
-2.52

Forward P/S

Strongly Overvalued
5Y Average P/S
0.37
Current P/S
3.26
Overvalued
1.39
Undervalued
-0.65

Events Timeline

2026-10-22 (ET)

17:00:00

Company Reports Q3 Revenue of $31.2M, Up 4%

2026-07-23 (ET)

17:00:00

CEO States Company Earnings Grew 20% Quarter-over-Quarter

17:00:00

Company Increases Quarterly Cash Dividend to 6c per Share

2026-04-23 (ET)

16:40:00

Net Interest Margin Increased to 3.61% Quarter-over-Quarter

2026-01-29 (ET)

16:40:00

Company Announces First Quarterly Dividend, Net Interest Margin Expands

News

AVBC FAQ — answered by Alphio AI

Avidia Bancorp, Inc. is the bank holding company of Avidia Bank. Avidia Bank is a Massachusetts-chartered stock savings bank. The Company's business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans. Its commercial and industrial loan portfolio includes condominium association loans, dental practice loans, and solar plant loans, among others. It also invests in securities, primarily of United States Treasury securities, United States Government agency securities and municipal securities. The Company offers a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts and interest-bearing and noninterest-bearing checking accounts. The Company also offers Health Savings Accounts (HSAs) nationwide. It operates in the Financials sector.

Avidia Bancorp Inc is a good buy right now due to its strong recent performance, with a year-to-date change of +37.17% and a current price of $22.66, which is below the analyst price target of $26. The stock's RSI is at 81.953, indicating it is overbought, but the positive earnings surprise of 23.68% and consistent revenue growth suggest continued strength. The main risk is the high debt-to-equity ratio of 60.82%, which may impact financial stability if not managed carefully.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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