Avidbank Holdings, Inc. (AVBH) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AVBH SEC filings page.
Avidbank Holdings, Inc. (AVBH) reported $201.9M in revenue over the twelve months to Jun 30, 2026. This page shows its 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).
Avidbank’s FY2025 statements show a bank where reported losses diverged from positive cash generation while equity expanded faster than liabilities.
The earnings reversal moved net income from a$21.0M profit in FY2024 to a$19.6M loss in FY2025. Yet cash conversion remained positive: operating cash flow was$39.0M and free cash flow was$38.9M , indicating that the reported loss did not correspond to a similar cash drain.
Balance-sheet funding strengthened through FY2025: assets expanded
Reported revenue fell
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Avidbank Holdings, Inc.'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.
Avidbank Holdings, Inc. earned a return on assets of -0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and Avidbank Holdings, Inc. scores 15/100 among other banks.
Avidbank Holdings, Inc. reported revenue of $30.9M in fiscal year 2025, against $81.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Avidbank Holdings, Inc. scores 1/100 among other banks.
Avidbank Holdings, Inc. funded 10.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $281.0M of equity against $2.6B of assets. Capital ranks banks on that cushion, and Avidbank Holdings, Inc. scores 45/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Avidbank Holdings, Inc. scores 3/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Avidbank Holdings, Inc. scores 42/100 on it among other banks.
Avidbank Holdings, Inc. reported a net loss of $19.6M in fiscal year 2025, against $21.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Avidbank Holdings, Inc. scores 1/100 among other banks.
Avidbank Holdings, Inc. passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
Avidbank Holdings, Inc. reported a net loss of $19.6M while generating $39.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Avidbank Holdings, Inc. generated $29.7M in revenue in Q2 2026. This represents an increase of 36.2% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.
Avidbank Holdings, Inc. reported $7.6M in net income in Q2 2026. This represents an increase of 31.9% from the same quarter a year earlier. Against the prior quarter it is down 15.2%.
Avidbank Holdings, Inc. earned $0.71 per diluted share (EPS) in Q2 2026. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 15.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
Avidbank Holdings, Inc. generated $15.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 148.7% from the same quarter a year earlier. Against the prior quarter it is up 92.6%.
Avidbank Holdings, Inc. held $159.9M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Avidbank Holdings, Inc.'s net profit margin was 25.7% in Q2 2026, showing the share of revenue converted to profit. This is down 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 6.5 percentage points.
Avidbank Holdings, Inc.'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Avidbank Holdings, Inc. repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.
Avidbank Holdings, Inc. reported no capital expenditure in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
AVBH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $29.7M+36.2% | $28.0M+36.3% | $106.9M | $37.3M+82.6% | $21.8M+11.2% | $20.5M | N/A | $20.4M |
| SG&A Expenses | $9.6M+6.5% | $9.6M+5.0% | $9.6M | $9.8M+17.2% | $9.0M+12.5% | $9.1M | N/A | $8.3M |
| Interest Expense | $13.2M-13.7% | $12.5M-17.4% | $13.3M | $14.6M-19.0% | $15.4M-13.1% | $15.2M | N/A | $18.0M |
| Income Tax | $2.8M+13.0% | $3.4M+52.3% | $3.1M | -$15.3M-722.0% | $2.5M+78.1% | $2.2M | N/A | $2.5M |
| Net Income | $7.6M+31.9% | $9.0M+65.9% | $6.9M | -$37.7M-745.5% | $5.8M+67.3% | $5.4M | N/A | $5.8M |
| EPS (Basic) | $0.72-6.5% | $0.85+16.4% | $1.03+18.4% | -$4.12-621.5% | $0.77+63.8% | $0.73 | $0.87 | $0.79 |
| EPS (Diluted) | $0.71-5.3% | $0.84+18.3% | $1.03+22.6% | -$4.12-635.1% | $0.75+63.0% | $0.71 | $0.84 | $0.77 |
| Diluted Shares (Avg) | 11M+40.2% | 11M+40.2% | N/A | 9M+20.3% | 8M+1.4% | 8M | N/A | 8M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
AVBH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.7B+11.2% | $2.6B | $2.6B+11.5% | $2.4B | $2.4B | N/A | $2.3B | N/A |
| Cash & Equivalents | $159.9M+23.1% | $149.0M | $154.6M+86.9% | $177.3M+29.9% | $129.9M+16.3% | N/A | $82.7M | $136.5M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | N/A | $0 | $0 |
| Accounts Receivable | N/A | N/A | N/A | $0 | $0 | N/A | $0 | N/A |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | N/A | $0 | $0 |
| Total Liabilities | $2.4B+8.1% | $2.3B | $2.3B+8.1% | $2.1B | $2.2B | N/A | $2.1B | N/A |
| Total Equity | $296.2M+44.9% | $288.4M+46.7% | $281.0M+50.8% | $273.1M+44.9% | $204.4M+19.2% | $196.6M | $186.4M | $188.5M |
| Retained Earnings | $127.8M-9.9% | $120.2M | $111.2M-15.0% | $104.2M | $141.9M | N/A | $130.7M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
AVBH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.9M+147.4% | $8.2M+93.7% | $16.0M+124.4% | $12.4M+122.6% | $6.4M | $4.3M | $7.1M | $5.6M |
| Depreciation & Amortization | -$3K-100.8% | $31K-91.8% | N/A | N/A | $381K | $379K | N/A | $423K |
| Stock-Based Compensation | N/A | $837K+2.1% | N/A | N/A | N/A | $820K | N/A | N/A |
| Capital Expenditures | $0-100.0% | $9K-60.9% | $0-100.0% | $35K+169.2% | $35K | $23K | $23K | -$13K |
| Free Cash Flow | $15.9M+148.7% | $8.2M+94.5% | $16.0M+125.1% | $12.4M+122.5% | $6.4M | $4.2M | $7.1M | $5.6M |
| Investing Cash Flow | -$72.6M-12.1% | -$20.7M-166.9% | -$235.5M-210.8% | $72.7M+175.5% | -$64.8M | $30.9M | -$75.8M | $26.4M |
| Financing Cash Flow | $67.6M+6.8% | $6.9M-3.7% | $196.8M+1228.1% | -$37.7M-427.3% | $63.3M | $7.2M | $14.8M | -$7.1M |
| Share Buybacks | $0 | $693K | N/A | N/A | $0 | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
AVBH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.7%-0.8pp | 32.3%+5.8pp | 6.5% | -101.3% | 26.6%+8.9pp | 26.5% | N/A | 28.6% |
| Return on Equity | 2.6%-0.3pp | 3.1%+0.4pp | 2.5% | -13.8%-16.9pp | 2.8%+0.8pp | 2.8% | N/A | 3.1% |
| Return on Assets | 0.3%+0.1pp | 0.4% | 0.3% | -1.6% | 0.2% | N/A | N/A | N/A |
| Debt-to-Equity | 7.98-2.7x | 7.94 | 8.15-3.2x | 7.65 | 10.70 | N/A | 11.37 | N/A |
| Asset Turnover | 0.010.0x | 0.01 | 0.04 | 0.02 | 0.01 | N/A | N/A | N/A |
| FCF Margin | 53.4%+24.1pp | 29.4%+8.8pp | 14.9% | 33.2%+5.9pp | 29.2% | 20.6% | N/A | 27.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Avidbank Holdings, Inc. AVBH | FY2025 | $30.9M | -$19.6M | -63.2% | $339.9M | 18/100 |
| John Marshall Bancorp, Inc. JMSB | FY2025 | $62.6M | $21.2M | 33.9% | $323.6M | 58/100 |
| Timberland Bancorp Inc TSBK | FY2025 | $82.6M | $29.2M | 35.3% | $352.0M | 58/100 |
| Waterstone Financial, Inc. WSBF | FY2025 | $141.9M | $26.4M | 18.6% | $354.3M | 47/100 |
| Northeast Community Bancorp, Inc. NECB | FY2025 | $104.8M | $44.4M | 42.4% | $380.5M | 55/100 |
| Primis Financial Corp. FRST | FY2025 | $223.8M | $61K | 0.0% | $380.7M | 28/100 |
Where Avidbank Holdings, Inc. Ranks
Frequently Asked Questions
What is Avidbank Holdings, Inc.'s annual revenue?
Avidbank Holdings, Inc. (AVBH) reported $30.9M in total revenue for fiscal year 2025. This represents a -61.9% 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 Avidbank Holdings, Inc.'s revenue growing?
Avidbank Holdings, Inc. (AVBH) revenue declined by 61.9% year-over-year, from $81.2M to $30.9M in fiscal year 2025.
Is Avidbank Holdings, Inc. profitable?
No, Avidbank Holdings, Inc. (AVBH) reported a net income of -$19.6M in fiscal year 2025, with a net profit margin of -63.2%.
What is Avidbank Holdings, Inc.'s net profit margin?
Avidbank Holdings, Inc. (AVBH) had a net profit margin of -63.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Avidbank Holdings, Inc.'s return on equity (ROE)?
Avidbank Holdings, Inc. (AVBH) has a return on equity of -7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Avidbank Holdings, Inc.'s free cash flow?
Avidbank Holdings, Inc. (AVBH) generated $38.9M in free cash flow during fiscal year 2025. This represents a 72.0% 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 Avidbank Holdings, Inc.'s operating cash flow?
Avidbank Holdings, Inc. (AVBH) generated $39.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Avidbank Holdings, Inc.'s total assets?
Avidbank Holdings, Inc. (AVBH) had $2.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Avidbank Holdings, Inc.'s capital expenditures?
Avidbank Holdings, Inc. (AVBH) invested $93K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Avidbank Holdings, Inc.'s debt-to-equity ratio?
Avidbank Holdings, Inc. (AVBH) had a debt-to-equity ratio of 8.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Avidbank Holdings, Inc.'s return on assets (ROA)?
Avidbank Holdings, Inc. (AVBH) had a return on assets of -0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Avidbank Holdings, Inc.'s P/E ratio?
Avidbank Holdings, Inc. (AVBH) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $339.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Avidbank Holdings, Inc.'s price-to-sales ratio?
Avidbank Holdings, Inc. (AVBH) trades at 1.7x sales, its market capitalization divided by revenue of $201.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $339.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Avidbank Holdings, Inc.'s Piotroski F-Score?
Avidbank Holdings, Inc. (AVBH) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Avidbank Holdings, Inc.'s earnings high quality?
Avidbank Holdings, Inc. (AVBH) reported a net loss of $19.6M while generating $39.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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 Avidbank Holdings, Inc.?
Avidbank Holdings, Inc. (AVBH) scores 18 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.