Avidbank Holdings, Inc.
$30.50
-1.7%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 SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 9.6).
Valuation inputs: P/E 9.6, earnings yield +10.5%, momentum -1.7%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +8.5%, ROIC +0.9%).
Profitability stack: net margin +32.3%, ROE +8.5%, ROIC +0.9%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +89.1%, momentum -1.7%, net margin +32.3%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Avidbank Holdings, Inc. Market vs Earnings Trajectory
Loading price and EPS data...
Avidbank Holdings, Inc. Fair Value Envelope
Avidbank Holdings, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
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. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
Avidbank Holdings, Inc. Street Expectations Map
Wall Street analysts project that AVBH stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 35.00, with estimates ranging from a low of 35.00 to a high of 35.00.
The consensus 1-year price target stands at 35.00, with estimates ranging from a low of 35.00 to a high of 35.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Avidbank Holdings, Inc. Insider Positioning
During the last 12 months, insiders have purchased $3.49M and sold $5.88M worth of AVBH shares, resulting in $2.39M of net selling activity.
3 Months
0
0.00
109.7K
3.04M
-3.0M
-$3.04M
3-6 Months
0
0.00
91.4K
2.73M
-2.7M
-$2.73M
6-9 Months
0
0.00
4.3K
112.00K
-112K
-$112K
9-12 Months
151.7K
3.49M
0
0.00
+3.5M
+$3.49M
Top Buyers
Patriot Financial Partners Iv, L.P.
10 Percent Owner
$1.84M
Polster Bryan C.
Director
$1.15M
Thoma Gina N.
Officer: Evp, Coo
$115K
Verissimo Marc J
Director
$92K
Mordell Mark Daniel
Director, Officer: Pres., Ceo
$92K
Top Sellers
Rosinus Mike
Director
$5.77M
Mordell Mark Daniel
Director, Officer: Pres., Ceo
$32K
Oakes Patrick Timothy
Officer: Evp, Cfo
$22K
Thoma Gina N.
Officer: Evp, Coo
$20K
Butner Geoffrey Evan
Officer: Evp, Chief Credit Officer
$17K
Insider Activity Analysis
Net Insider Sentiment
Slightly bearish with $2.39M net selling. Selling modestly exceeds buying, which could be routine diversification rather than concern.
Buy/Sell Ratio
Moderately negative ratio. Selling is roughly double the buying, which may be routine or signal caution.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider buyers and 5 sellers. Equal participation suggests mixed or neutral insider views.
No Dividend Yield Data
AVBH has not reported any dividend yield values in the available annual periods.
avbh Dividend History
Learning Layer
Related Guides
Build conviction on AVBH by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.