Avidbank Financials
Avidbank (AVBH) reported $145.8M in revenue for fiscal year 2025, up 2.3% from the prior fiscal year. 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).
Balance-sheet expansion in FY2025 was externally funded, while cash generation improved even as reported earnings turned negative.
The key disconnect is cash conversion versus accounting profit: net income moved from$21.0M in FY2024 to-$19.6M in FY2025, even though revenue barely changed and operating cash flow still increased. With operating cash flow reaching$39.0M and free cash flow$38.9M , the FY2025 loss looks more like an accrual-heavy earnings hit than a collapse in cash generation or liquidity.
Liquidity improved, but the bigger driver was external funding: cash ended FY2025 at
Leverage stayed structurally high even after improvement, with debt-to-equity easing to 8.1x from 11.4x as equity increased. The thicker capital cushion came alongside shares outstanding also increasing, and liabilities still funded about
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'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 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 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 generated $145.8M in revenue in fiscal year 2025. This represents an increase of 2.3% from the prior year.
Avidbank reported -$19.6M in net income in fiscal year 2025. This represents a decrease of 193.0% from the prior year.
Avidbank earned -$2.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 181.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Avidbank generated $38.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 72.0% from the prior year.
Avidbank held $154.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Avidbank's net profit margin was -13.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 28.2 percentage points from the prior year.
Avidbank's ROE was -7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 18.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Avidbank invested $93K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 97.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
AVBH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 |
|---|---|---|---|
| Revenue | $184.2M | $145.8M+2.3% | $142.4M |
| SG&A Expenses | $38.5M | $37.4M+15.1% | $32.5M |
| Interest Expense | $53.7M | $58.4M-13.1% | $67.2M |
| Income Tax | -$5.9M | -$7.4M-184.4% | $8.8M |
| Net Income | -$14.1M | -$19.6M-193.0% | $21.0M |
| EPS (Diluted) | — | -$2.25-181.5% | $2.76 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AVBH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 |
|---|---|---|
| Total Assets | $2.6B+11.5% | $2.3B |
| Cash & Equivalents | $154.6M+86.9% | $82.7M |
| Accounts Receivable | N/A | $0 |
| Total Liabilities | $2.3B+8.1% | $2.1B |
| Total Equity | $281.0M+50.8% | $186.4M |
| Retained Earnings | $111.2M-15.0% | $130.7M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, 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.
| Metric | TTM | FY25 | FY24 |
|---|---|---|---|
| Operating Cash Flow | $52.5M | $39.0M+72.0% | $22.7M |
| Capital Expenditures | $44K | $93K+97.9% | $47K |
| Free Cash Flow | $52.4M | $38.9M+72.0% | $22.6M |
| Investing Cash Flow | -$256.1M | -$196.7M-137.9% | -$82.7M |
| Financing Cash Flow | $233.6M | $229.5M+274.4% | $61.3M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AVBH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 |
|---|---|---|
| Net Margin | -13.4%-28.2pp | 14.8% |
| Return on Equity | -7.0%-18.2pp | 11.3% |
| Return on Assets | -0.8%-1.7pp | 0.9% |
| Debt-to-Equity | 8.15-3.2x | 11.37 |
| FCF Margin | 26.7%+10.8pp | 15.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Avidbank Ranks
Frequently Asked Questions
What is Avidbank's annual revenue?
Avidbank (AVBH) reported $145.8M in total revenue for fiscal year 2025. This represents a 2.3% 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's revenue growing?
Avidbank (AVBH) revenue grew by 2.3% year-over-year, from $142.4M to $145.8M in fiscal year 2025.
Is Avidbank profitable?
No, Avidbank (AVBH) reported a net income of -$19.6M in fiscal year 2025, with a net profit margin of -13.4%.
What is Avidbank's net profit margin?
Avidbank (AVBH) had a net profit margin of -13.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Avidbank's return on equity (ROE)?
Avidbank (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's free cash flow?
Avidbank (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's operating cash flow?
Avidbank (AVBH) generated $39.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Avidbank's total assets?
Avidbank (AVBH) had $2.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Avidbank's capital expenditures?
Avidbank (AVBH) invested $93K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Avidbank's debt-to-equity ratio?
Avidbank (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's return on assets (ROA)?
Avidbank (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's Piotroski F-Score?
Avidbank (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's earnings high quality?
Avidbank (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?
Avidbank (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.