profit from every $100 of sales.
$0$100
Avidia Bancorp
$22.82+1.78% today
+48.5% in 1 year
1-year low $14.941-year high $23.61
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Avidia Bancorp sold, what it kept, and what it did with the cash.
Sales went from $84.9 million in 2023 to $101 million in 2025, with -$3.29 million of profit last year.
SalesProfit
Avidia Bancorp handed back 67% of the cash it generated last year.
Buybacks $16M
Free cash flow 2025$24M
Bought back its own shares$16M
Paid as dividends–
Cash vs. debt$145M vs. $288M
Avidia Bancorp vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Avidia Bancorp | No profit yet | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Avidia Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 85 | 86 | 101 | |
| – | – | – | |
| – | – | – | |
| – | – | – | |
| 12 | 11 | -3 | |
| 0.62 | 0.57 | -0.18 | |
| – | – | – | |
| – | – | – | |
| 14.7% | 13.3% | -3.3% |
Balance sheet
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total assets | 2,598 | 2,657 | 2,837 |
| Cash | 70 | 62 | 145 |
| Total debt | 429 | 353 | 288 |
| Total liabilities | 2,417 | 2,463 | 2,458 |
| 181 | 194 | 379 | |
| 20 | 20 | 19 | |
| – | – | – | |
| 6.9% | 5.9% | -0.9% |
Cash flow
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 16 | 23 | 28 | |
| 3 | 3 | 4 | |
| 12 | 20 | 24 | |
| Dividends paid | – | – | – |
| – | 0 | 16 | |
| – | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- 17.4×
- –
- 0.9×
- 4.0×
- -0.8%
- 0.5%
Profitability
- -3.3%
- 0.5%
- 2.5%
- 4.3%
- 0.5%
Growth
- +8.9%
- –
- –
- −2.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 843
Bottom 29%of 730
Top 48%of 862
Bottom 49%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.32 | 0.30 | +6.7% |
| Jan 29, 2026 | 0.29 | 0.30 | −3.3% |
| Aug 1, 2025 | 0.19 | 0.16 | +20.6% |
| Mar 31, 2025 | -0.58 | – | – |
| Jun 30, 2024 | 0.12 | – | – |
| Mar 31, 2024 | 0.18 | – | – |
0.5%of the share price, paid each year
On $1,000 invested$5a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
0.0% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
25No pass
Benjamin Graham
44No pass
Philip Fisher
39No pass
Peter Lynch
40No pass
Joel Greenblatt
0No pass
Charlie Munger
27No pass
Terry Smith
21No pass
Questions about Avidia Bancorp
Is Avidia Bancorp a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Avidia Bancorp AI analysis
What does Avidia Bancorp do?
Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It is in Banks - Regional.
Does Avidia Bancorp pay a dividend?
Yes. At today's price the dividend is 0.5% a year.
Is Avidia Bancorp stock halal?
No. Avidia Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Avidia Bancorp stock done over the past year?
Up 48.5% over the past twelve months, to $22.82. It traded between $14.94 and $23.61 and is 3.3% below its high.
Who are Avidia Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Avidia Bancorp's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.