Avidbank Holdings, Inc.

Avidbank Holdings, Inc.

AVBH·NASDAQ

$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 – 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-1.0%
5Y+62.0%
10Y+185.0%
3Y-4.0%
5Y+149.0%
10Y+230.0%
3Y-100.0%
5Y-100.0%
10Y-100.0%
Avidbank Holdings, Inc.

Avidbank Holdings, Inc. Profit Bridge

AVBH · NASDAQ
Revenue74.20M
Cost of Goods Sold (48.39M)
Gross Profit25.81M
Operating Expenses (51.61M)
Operating Income-25.80M
Interest Expense (42.34M)
Other Income/Expense-1.17M
Pretax Income-26.97M
Income Tax (-50.95M)
Net Income23.98M
Net Income
23.98M

Profitability Analysis

Gross Margin

34.8%

Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.

Operating Margin

-34.8%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

32.3%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Avidbank Holdings, Inc. Income Statement

AVBH • NASDAQ

Avidbank Holdings, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2006Dec 2005Dec 2004Dec 2003
REVENUE
74.2M
77.1M
67.9M
75.2M
52.8M
45.9M
47.5M
40.6M
32.4M
26M
23.9M
17.9M
16.7M
16M
13.2M
12.8M
4.5M
2.6M
1.1M
53.6K
GROSS PROFIT
(48.4M)
(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)
25.8M
77.1M
67.9M
75.2M
52.8M
45.9M
47.5M
40.6M
32.4M
26M
23.9M
17.9M
16.7M
16M
13.2M
12.8M
4.5M
2.6M
1.1M
53.6K
OPERATING INCOME
(51.6M)
(43.6M)
(40.4M)
(33.1M)
(29.7M)
(27.7M)
-29.6M
-20.4M
-18.8M
-13.1M
-16.9M
(13.4M)
(12.4M)
(10.7M)
-10M
-10.4M
-4.7M
-3.5M
-3.1M
-776.9K
(25.2M)
(5M)
(40.4M)
(33.1M)
(29.7M)
(27.7M)
(21.8M)
(18.2M)
(14.9M)
(12.1M)
(10.9M)
(9.6M)
(8.8M)
(7.5M)
(6.8M)
(6.2M)
(2.3M)
(1.8M)
(1.6M)
(376K)
-25.8M
33.6M
27.4M
42.1M
23.1M
18.2M
17.9M
20.2M
13.7M
12.9M
7M
4.5M
4M
4.8M
3.3M
2.4M
-227.1K
-830K
-2.1M
-723.2K
PRE-TAX INCOME
(42.3M)
(0.0)
(15M)
(1.4M)
(1.2M)
(1.2M)
(7.3M)
(4.7M)
(2.8M)
(2M)
(1.1M)
(797.5K)
(1.2M)
(1.8M)
(2.3M)
(3.4M)
(2.1M)
(770K)
(241K)
(10K)
31.6M
0.0
-15M
-1.4M
-1.2M
-1.2M
44.7M
37.9M
30.5M
24.3M
22.3M
16.4M
15.2M
15.2M
12.6M
12.3M
4.4M
2.5M
951.3K
52.2K
(26.4M)
(38.6M)
(0.0)
(0.0)
(0.0)
(0.0)
-51.4M
-38.6M
-33.6M
-25.2M
-27.8M
(0.0)
(0.0)
(0.0)
-16.7M
-16.6M
-7.1M
-5.3M
-4.7M
-1.2M
-1.2M
-3.8M
-3.5M
-7.7M
-6M
-5.5M
-4.5M
-4.5M
-3.8M
-1.8M
-3M
-2.6M
-2.6M
0.0
-964.6K
-4M
-2.2M
-374K
1.5M
686.3K
-27M
29.8M
24M
34.4M
17.2M
12.7M
17.9M
15.4M
10.8M
10.9M
5.9M
4.5M
4M
4.8M
3.3M
2.4M
0.0
0.0
0.0
0.0
NET INCOME
-50.9M
(8.8M)
(7.2M)
(9.4M)
(4.9M)
(3.1M)
(5M)
(4.3M)
(5.2M)
(3.6M)
(2.2M)
(1.8M)
(1.5M)
(2.1M)
-572.4K
(183K)
(0.0)
(0.0)
(0.0)
(0.0)
24M
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

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