Avidia Bancorp Financials
This page shows Avidia Bancorp (AVBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Avidia’s reported loss masked a cash-positive, capital-rebuilding year driven more by funding flows than by accounting profit.
The earnings-to-cash split widened in FY2025: net income turned to-$3.3M even as operating cash flow rose to$28.4M . With financing inflows of$166.2M , cash climbed to$145.5M and liabilities still edged down, suggesting the year was about liquidity and capital rebuilding rather than immediate earnings power. That combination implies the income statement was under pressure without creating the same strain on near-term cash resources.
Leverage relief was meaningful: debt-to-equity fell from 12.7x to 6.5x because equity expanded while liabilities stayed nearly flat. But return metrics still ran below breakeven, with ROA at
Capital intensity remains low, with capex of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Avidia Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Avidia Bancorp's revenue grew 5.5% year-over-year to $130.6M, a solid pace of expansion. This earns a growth score of 43/100.
Avidia Bancorp has elevated debt relative to equity (D/E of 6.49), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Avidia Bancorp converts 18.4% of revenue into free cash flow ($24.1M). This strong cash generation earns a score of 69/100.
Avidia Bancorp generates a -0.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 15/100. This is down from 5.9% the prior year.
Avidia Bancorp passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Avidia Bancorp generates $-8.63 in operating cash flow ($28.4M OCF vs -$3.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Avidia Bancorp generated $130.6M in revenue in fiscal year 2025. This represents an increase of 5.5% from the prior year.
Avidia Bancorp reported -$3.3M in net income in fiscal year 2025. This represents a decrease of 128.6% from the prior year.
Cash & Balance Sheet
Avidia Bancorp generated $24.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 17.8% from the prior year.
Avidia Bancorp held $145.5M in cash against $0 in long-term debt as of fiscal year 2025.
Avidia Bancorp had 20M shares outstanding in fiscal year 2025.
Margins & Returns
Avidia Bancorp's net profit margin was -2.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 11.8 percentage points from the prior year.
Avidia Bancorp's ROE was -0.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 6.8 percentage points from the prior year.
Capital Allocation
Avidia Bancorp invested $4.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 54.6% from the prior year.
AVBC Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.6M-0.6% | $33.8M-0.3% | $33.9M+6.3% | $31.9M+2.6% | $31.0M-1.3% | $31.5M-0.2% | $31.5M+2.0% | $30.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $10.2M+7.6% | $9.5M-3.0% | $9.8M+9.7% | $8.9M-23.0% | $11.6M+25.4% | $9.2M+12.6% | $8.2M-5.8% | $8.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $9.6M-8.5% | $10.5M+0.6% | $10.4M-7.0% | $11.2M-5.0% | $11.8M-4.4% | $12.4M-6.5% | $13.2M+5.2% | $12.6M |
| Income Tax | $2.2M-9.2% | $2.4M+331.2% | -$1.0M-190.2% | $1.2M+123.5% | -$4.9M-484.8% | $1.3M+91.8% | $667K-12.1% | $759K |
| Net Income | $6.0M+12.4% | $5.3M+688.0% | -$907K-123.4% | $3.9M+133.4% | -$11.6M-430.2% | $3.5M+68.8% | $2.1M-11.6% | $2.4M |
| EPS (Diluted) | $0.32 | N/A | $-0.05 | N/A | N/A | N/A | N/A | N/A |
AVBC Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8B-1.0% | $2.8B+1.8% | $2.8B-5.8% | $3.0B+9.3% | $2.7B+1.9% | $2.7B | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $93.0M-36.0% | $145.5M+30.0% | $111.9M-63.7% | $308.6M | N/A | $62.4M | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M | N/A | N/A |
| Total Liabilities | $2.4B-1.4% | $2.5B+1.8% | $2.4B-12.7% | $2.8B+9.8% | $2.5B+2.3% | $2.5B | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $383.5M+1.2% | $379.0M+1.9% | $372.0M+94.4% | $191.4M+2.9% | $186.1M-4.0% | $193.8M-0.6% | $195.0M+4.3% | $187.0M |
| Retained Earnings | $217.0M+2.4% | $212.0M+2.6% | $206.6M-0.4% | $207.6M+1.9% | $203.7M-5.4% | $215.3M | N/A | N/A |
AVBC Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.4M-5.0% | $8.8M-63.5% | $24.1M+1130.6% | -$2.3M-5.1% | -$2.2M-111.2% | $19.9M+682.3% | $2.5M+531.9% | -$589K |
| Capital Expenditures | $652K-18.0% | $795K-8.7% | $871K-9.9% | $967K-41.5% | $1.7M+126.7% | $729K-19.5% | $906K+6.0% | $855K |
| Free Cash Flow | $7.7M-3.7% | $8.0M-65.5% | $23.3M+803.0% | -$3.3M+14.7% | -$3.9M-120.2% | $19.2M+1070.5% | $1.6M+213.4% | -$1.4M |
| Investing Cash Flow | -$22.7M+3.8% | -$23.6M+14.2% | -$27.4M-77.9% | -$15.4M+65.8% | -$45.1M-723.7% | $7.2M+120.1% | -$36.0M-170.8% | -$13.3M |
| Financing Cash Flow | -$38.1M-178.9% | $48.3M+125.0% | -$193.4M-179.5% | $243.3M+257.8% | $68.0M+397.9% | -$22.8M-230.6% | $17.5M-7.0% | $18.8M |
| Dividends Paid | $1.0M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
AVBC Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 17.8%+2.1pp | 15.8%+18.5pp | -2.7%-14.8pp | 12.2%+49.5pp | -37.3%-48.5pp | 11.2%+4.6pp | 6.6%-1.0pp | 7.6% |
| Return on Equity | 1.6%+0.1pp | 1.4%+1.7pp | -0.2%-2.3pp | 2.0%+8.3pp | -6.2%-8.0pp | 1.8%+0.7pp | 1.1%-0.2pp | 1.3% |
| Return on Assets | 0.2%+0.0pp | 0.2%+0.2pp | -0.0%-0.2pp | 0.1%+0.6pp | -0.4%-0.6pp | 0.1% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.32-0.2 | 6.490.0 | 6.49-8.0 | 14.45+0.9 | 13.55+0.8 | 12.71 | N/A | N/A |
| FCF Margin | 23.0%-0.7pp | 23.7%-44.9pp | 68.6%+79.0pp | -10.4%+2.1pp | -12.5%-73.4pp | 60.9%+55.7pp | 5.2%+9.9pp | -4.7% |
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Frequently Asked Questions
What is Avidia Bancorp's annual revenue?
Avidia Bancorp (AVBC) reported $130.6M in total revenue for fiscal year 2025. This represents a 5.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Avidia Bancorp's revenue growing?
Avidia Bancorp (AVBC) revenue grew by 5.5% year-over-year, from $123.7M to $130.6M in fiscal year 2025.
Is Avidia Bancorp profitable?
No, Avidia Bancorp (AVBC) reported a net income of -$3.3M in fiscal year 2025, with a net profit margin of -2.5%.
What is Avidia Bancorp's net profit margin?
Avidia Bancorp (AVBC) had a net profit margin of -2.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Avidia Bancorp's return on equity (ROE)?
Avidia Bancorp (AVBC) has a return on equity of -0.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Avidia Bancorp's free cash flow?
Avidia Bancorp (AVBC) generated $24.1M in free cash flow during fiscal year 2025. This represents a 17.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Avidia Bancorp's operating cash flow?
Avidia Bancorp (AVBC) generated $28.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Avidia Bancorp's total assets?
Avidia Bancorp (AVBC) had $2.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Avidia Bancorp's capital expenditures?
Avidia Bancorp (AVBC) invested $4.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Avidia Bancorp's debt-to-equity ratio?
Avidia Bancorp (AVBC) had a debt-to-equity ratio of 6.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Avidia Bancorp's return on assets (ROA)?
Avidia Bancorp (AVBC) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Avidia Bancorp's Piotroski F-Score?
Avidia Bancorp (AVBC) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Avidia Bancorp's earnings high quality?
Avidia Bancorp (AVBC) has an earnings quality ratio of -8.63x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Avidia Bancorp?
Avidia Bancorp (AVBC) scores 21 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.