Avidbank Holdings, Inc.

Avidbank Holdings, Inc.

AVBHยทNASDAQ

$30.50

-1.7%
Financial ServicesBanks - Regional

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprises working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, it offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC ย– real estate secured loans. Further, the company provides various financing solutions, such as structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, it offers various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Furthermore, the company offers online and mobile banking services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.

At a Glance

Live Snapshot
Market Cap$265.42M
EPS3.1900
P/E Ratio9.56
Earnings Date08/24/2026
3Y-100.0%
5Y-100.0%
10Y-100.0%
3Y-100.0%
5Y-100.0%
10Y-100.0%
3Y-8805.0%
5Y-130.0%
10Y-326.0%
AVBH

Avidbank Holdings, Inc. Cash Conversion Engine

AVBH ยท NASDAQ
Net Income-19.55M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital0.00
Others19.55M
Capital Expenditures0.00
Free Cash Flow0.00

Cash Flow Quality Analysis

FCF Conversion Rate

0.0%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

FCF Growth Trend

-100.0%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$0.00

Neutral working capital impact. Changes in current assets and liabilities balanced out.

Cash Flow Quality Insight

Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.

Avidbank Holdings, Inc. Cash Flow Statement

AVBH โ€ข NASDAQ

Avidbank Holdings, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2006Dec 2005Dec 2004Dec 2003
OPERATING ACTIVITIES
-19.6M
21M
16.8M
25M
12.3M
9.6M
12.9M
11.1M
5.7M
7.3M
3.7M
2.7M
2.5M
2.7M
3.8M
2.2M
-227.1K
-830K
-2.1M
-723.2K
0.0
1.7M
2M
2.2M
0.0
1.6M
1.3M
1.2M
1.4M
1.7M
1.7M
1.3M
1.1M
952.8K
964.6K
544.5K
284.6K
433.8K
286.6K
27K
0.0
0.0
0.0
0.0
0.0
0.0
1.9M
1.1M
-643K
50K
-1.2M
75K
-250K
425K
-1.9M
-214K
0.0
0.0
0.0
0.0
0.0
3.2M
2.8M
2.4M
0.0
2.3M
1.7M
985K
850K
381K
402K
182.6K
156.2K
231.7K
226K
268.3K
0.0
0.0
0.0
0.0
19.6M
6.6M
11M
7.1M
6.6M
5.6M
2.6M
1.5M
1.8M
-970K
2.7M
-558.7K
-689.8K
35.4K
259.8K
1.1M
352.8K
269.6K
300.4K
28.7K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(5.6M)
(4.5M)
(4.6M)
(3.8M)
(1.1M)
(1.2M)
(2.2M)
(1.7M)
(1.3M)
(279.5K)
(0.0)
(0.0)
(0.0)
(0.0)
0.0
-9.8M
3.8M
-8.1M
-2.6M
-3.3M
-5.6M
-857K
2M
-3.4M
-849K
-109.4K
563.3K
418.3K
823.7K
1.4M
158.3K
-280.3K
-156.7K
1.6K
0.0
22.7M
36.3M
28.7M
16.3M
15.7M
14.7M
15.1M
11M
5M
6.5M
3.6M
3.4M
4.8M
4.2M
5.3M
568.6K
-406.9K
-1.6M
-666K
INVESTING ACTIVITIES
(0.0)
-47K
-166K
-534K
-20.1M
-939K
-739K
-884K
-5.7M
-102K
-269K
-316.2K
-307.4K
-908.9K
-174.2K
-537.1K
-222.3K
-28.7K
-99.8K
-79.8K
(0.0)
(0.0)
(0.0)
(0.0)
(232K)
(0.0)
(257K)
(513K)
(0.0)
(0.0)
(0.0)
-84.9M
-9.9M
-39.7M
-174.8K
(2.3M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-275.7M
(0.0)
-257K
(0.0)
(0.0)
-53M
-8.8M
-42.4M
-27.7M
-28.2M
-81M
-51M
-3M
-10M
-12.1M
-12.5M
0.0
0.0
0.0
0.0
51.4M
0.0
6.3M
16.1M
14.7M
30.3M
16.9M
21.6M
22.2M
57.1M
57M
26.6M
11M
8.5M
9M
0.0
0.0
-82.7M
-62.5M
-475.1M
-234.3M
-217.3M
-81.3M
-156.3M
-134.2M
-108.7M
-62.6M
-86.2M
-19.7M
-39.9M
-463.8K
2.1M
-40.5M
-25.2M
-29.1M
-2.8M
(0.0)
-82.7M
-62.7M
-475.7M
-478.4M
-218.2M
-75.8M
-141M
-125.2M
-131.5M
-54.8M
-107.4M
-25.4M
-11.9M
-24.6M
-22.9M
-32.6M
-26.7M
-32.2M
-15.4M
FINANCING ACTIVITIES
0.0
0.0
0.0
0.0
-199K
-447K
-432K
-769K
17.9M
-1.4M
-54K
0.0
14.8M
0.0
0.0
0.0
66K
96K
0.0
0.0
0.0
-154M
134M
90M
0.0
0.0
10M
0.0
30M
0.0
-13.4M
25M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-213.3K
-300K
-558.9K
-300K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-199K
-447K
-432K
-769K
-1.1M
-1.4M
-54K
(0.0)
-6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-82.7M
215.3M
-73.5M
-89.1M
725.7M
280.1M
176.3M
121M
98.2M
37.7M
146M
-64.1M
75.1M
68.4M
22M
6.4M
40.4M
28.5M
29.2M
9.8M
-82.7M
61.3M
60.5M
950K
725.5M
279.7M
186.2M
120.2M
127.3M
36.5M
132.5M
-39.1M
83.9M
68.1M
21.4M
6.1M
40.5M
28.6M
29.2M
9.8M
CASH FLOW SUMMARY
0.0
0.0
0.0
0.0
-263.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-82.7M
1.3M
34.1M
-446.1M
0.0
77.2M
125.2M
-5.7M
13.1M
-90M
84.2M
-142.9M
61.8M
61M
1.1M
-11.5M
8.5M
1.5M
-4.7M
-6.2M
82.7M
81.4M
47.3M
493.3M
0.0
152.8M
27.7M
33.4M
20.3M
110.3M
26.1M
168.8M
107M
46M
45M
56.4M
7.4M
5.9M
10.6M
16.8M
0.0
82.7M
81.4M
47.3M
0.0
230M
152.8M
27.7M
33.4M
20.3M
110.3M
25.9M
168.8M
107M
46M
45M
15.9M
7.4M
5.9M
10.6M
0.0
22.6M
36.2M
28.1M
16.2M
14.8M
14M
14.2M
5.3M
4.8M
6.2M
3.3M
3.1M
3.9M
4M
4.8M
346.3K
-435.6K
-1.7M
-745.8K

SEC Filings

AVBH - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 21, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 13, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 07, 2026
May 19, 2026
2026
10-K

10-K 2025 FY

FY

March 18, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 13, 2026
March 09, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
8-K

8-K 2025

N/A

November 18, 2025
November 14, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 12, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 23, 2025
2025
Showing 1 to 10 of 15 filings