[Form 4] Avidia Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Robert D. Cozzone, President & CEO and a director of Avidia Bancorp, Inc. (AVBC), reported insider transactions on Form 4. The filing discloses a purchase of 3,199 shares of common stock on 08/29/2025 at a price of $15.63 per share. The report also shows a disposition of 1,000 shares (no transaction date specified in the filing). After the reported transactions, the filing lists 30,288 shares beneficially owned, with indirect ownership via a 401(k) plan. The Form 4 was signed on behalf of the reporting person by Victor L. Cangelosi under power of attorney on 09/03/2025.

Positive

• Insider purchase of 3,199 shares at $15.63 shows management buying company stock
• Substantial beneficial ownership reported: 30,288 shares held after the transactions

Negative

• Disposition date missing for the 1,000-share sale, reducing transaction clarity
• Transactions are small and not clearly material to AVBC's overall capitalization

Insights

Financial Analyst

TL;DR: Insider bought 3,199 shares at $15.63; holdings total 30,288 shares, signaling modest insider accumulation.

The purchase of 3,199 shares at $15.63 represents a clear insider buy by the company's CEO and director, which can be interpreted as a vote of confidence in the company from management. The report lists 30,288 shares beneficially owned post-transaction, primarily held indirectly through a 401(k). The disposition of 1,000 shares is noted but lacks a transaction date, limiting interpretation. Overall, the transactions are small relative to typical institutional volumes and do not in themselves imply a material change to the company’s capital structure or valuation.

Corporate Governance Expert

TL;DR: Reporting follows Section 16 disclosure for insider transactions; one missing date reduces clarity.

The Form 4 identifies the reporting person as both President & CEO and a director, fulfilling required disclosure of beneficial ownership changes. The filing correctly reports the number of shares acquired and the post-transaction beneficial ownership. However, the absence of a transaction date for the 1,000-share disposition reduces transparency and may require further clarification or amendment to ensure full compliance and investor clarity. The form bears a power-of-attorney signature, which is permissible when properly executed.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cozzone Robert D

(Last) (First) (Middle)

42 MAIN ST

(Street)

HUDSON MA 01749

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Avidia Bancorp, Inc. [ AVBC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

3. Date of Earliest Transaction (Month/Day/Year)
08/29/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/29/2025		P		3,199	A	$15.63	30,288	I	By 401(k)
Common Stock								1,000	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Victor L. Cangelosi, pursuant to power of attorney	09/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

Who filed the Form 4 for Avidia Bancorp (AVBC)?

The Form 4 was filed for Robert D. Cozzone, President & CEO and a director of Avidia Bancorp.

What insider transactions are reported on this Form 4 for AVBC?

The filing reports a purchase of 3,199 shares on 08/29/2025 at $15.63 per share and a disposition of 1,000 shares (no date specified).

How many Avidia Bancorp (AVBC) shares does the reporting person own after the reported transactions?

The Form 4 lists 30,288 shares beneficially owned following the reported transactions, held indirectly via a 401(k).

Was the Form 4 signed by the reporting person?

The filing was signed on behalf of the reporting person by Victor L. Cangelosi under power of attorney on 09/03/2025.

Is there any missing or unclear information in the Form 4?

Yes. The filing shows a 1,000-share disposition but does not specify the transaction date for that sale.