📊 AVBH Key Takeaways
Is Avidbank Holdings, Inc. (AVBH) a Good Investment?
Avidbank Holdings faces critical data integrity concerns and deteriorating fundamentals. Net income collapsed 193% YoY despite 67% revenue growth and a stable balance sheet, indicating either severe operational challenges or material one-time charges. The absence of key banking metrics (interest coverage, efficiency ratios) and implausible profitability margins (8000%+) severely limit analytical confidence.
Avidbank shows strong top-line growth, but that growth is not translating into earnings, with operating losses, negative net margin, and negative returns on assets and equity. The balance sheet appears adequately capitalized and cash generation is positive, but the recent swing to a sizable net loss raises concerns about earnings quality and whether growth is being supported by sustainable banking fundamentals.
Avidbank Holdings, Inc. Key Strengths (AVBH)
- Zero long-term debt with healthy equity base of $288.4M
- Positive operating and free cash flow of $8.2M
- Substantial asset base of $2.6B indicates established operations
- Strong liquidity position with $149M in cash equivalents
- Revenue grew 66.9% year over year, indicating strong business expansion
- Operating cash flow and free cash flow remained positive, supporting internal liquidity
- The company maintains a meaningful equity base of $280.98M against $2.57B in assets
AVBH Stock Risks: Avidbank Holdings, Inc. Investment Risks
- Net income declined 193% YoY signaling severe earnings deterioration or prior-year anomalies
- Critical data quality issues: implausible 8000%+ margins, truncated revenue figure, incomplete metrics
- Missing essential banking metrics (interest coverage ratio, efficiency ratio, net interest margin)
- Only 22 of expected metrics available suggests incomplete or corrupted financial reporting
- Net income deteriorated sharply to a $19.55M loss, with EPS down 181.5% year over year
- Profitability is weak across the board, including negative operating margin, ROA, and ROE
- Growth quality is questionable because revenue expansion is being accompanied by worsening earnings performance
Key Metrics to Watch
- Actual net interest margin and interest coverage ratio trends
- Year-over-year earnings quality and presence of one-time charges
- Complete income statement including non-interest income sources
- Return on assets (ROA) recovery from severely depressed 0.3% level
- Net income margin and return on assets
- Credit costs and asset quality trends
Avidbank Holdings, Inc. (AVBH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 8,153.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
AVBH Profit Margin, ROE & Profitability Analysis
AVBH vs Finance Sector: How Avidbank Holdings, Inc. Compares
How Avidbank Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Avidbank Holdings, Inc. Stock Overvalued? AVBH Valuation Analysis 2026
Based on fundamental analysis, Avidbank Holdings, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Avidbank Holdings, Inc. Balance Sheet: AVBH Debt, Cash & Liquidity
AVBH Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Avidbank Holdings, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.76 reflects profitable operations.
AVBH Revenue Growth, EPS Growth & YoY Performance
AVBH Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $46.0K | $5.4M | $0.71 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Avidbank Holdings, Inc. Dividends, Buybacks & Capital Allocation
AVBH SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Avidbank Holdings, Inc. (CIK: 0001443575)
📋 Recent SEC Filings
❓ Frequently Asked Questions about AVBH
What is the AI rating for AVBH?
Avidbank Holdings, Inc. (AVBH) has a Combined AI Grade of C from Claude (C) and ChatGPT (C) with 56% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AVBH's key strengths?
Claude: Zero long-term debt with healthy equity base of $288.4M. Positive operating and free cash flow of $8.2M. ChatGPT: Revenue grew 66.9% year over year, indicating strong business expansion. Operating cash flow and free cash flow remained positive, supporting internal liquidity.
What are the risks of investing in AVBH?
Claude: Net income declined 193% YoY signaling severe earnings deterioration or prior-year anomalies. Critical data quality issues: implausible 8000%+ margins, truncated revenue figure, incomplete metrics. ChatGPT: Net income deteriorated sharply to a $19.55M loss, with EPS down 181.5% year over year. Profitability is weak across the board, including negative operating margin, ROA, and ROE.
What is AVBH's revenue and growth?
Avidbank Holdings, Inc. reported revenue of $101.0K.
Does AVBH pay dividends?
Avidbank Holdings, Inc. does not currently pay dividends.
Where can I find AVBH SEC filings?
Official SEC filings for Avidbank Holdings, Inc. (CIK: 0001443575) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AVBH's EPS?
Avidbank Holdings, Inc. has a diluted EPS of $0.84.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is AVBH's fundamental grade?
Based on our AI fundamental analysis in June 2026, Avidbank Holdings, Inc. has a C grade with 56% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is AVBH stock overvalued or undervalued?
Valuation metrics for AVBH: ROE of 3.1% (sector avg: 12%), net margin of 8,931.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is AVBH's AI grade for 2026?
Our dual AI analysis gives Avidbank Holdings, Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is AVBH's free cash flow?
Avidbank Holdings, Inc.'s operating cash flow is $8.2M, with capital expenditures of $9.0K. FCF margin is 8,153.5%.
How does AVBH compare to other Finance stocks?
Vs Finance sector averages: Net margin 8,931.7% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).