Is Avidia Bancorp, Inc. (AVBC) Overvalued?
We dive into why Avidia Bancorp, Inc. (AVBC) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. The company offers savings and checking, certificates of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. It also provides savings, checking, debit cards, credit cards, youth accounts, veterans checking, mobile banking, internet banking, international wires, and health savings and borrowing services, including loans, home equity, mortgages, masshousing homeowner loans, and auto loans. Additionally, the company offers e-banking services, cash management, merchant services, law firm banking, nonprofit banking, and municipal banking services and borrowing services that include commercial loans, commercial mortgage loans, land development loans, business term loans, working capital lines of credit, letters of credit, business manager, dental practice loans, condo association loans, and small business banking partnership services. Further, it offers payments processing services; and invests in liquid assets, including U.S. Treasury securities, U.S. government agency and government-sponsored enterprise securities, mortgage-backed securities, municipal securities, certificates of deposit of federally-insured institutions, and investment grade corporate bonds. Avidia Bancorp, Inc. was founded in 1869 and is headquartered in Hudson, Massachusetts.
Commentary & Analysis
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What You Need to Know About Avidia Bancorp, Inc.'s Q3 Earnings
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Financial Summary
| Share Statistics | AVBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $417.6 | $733.6 | 35% |
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| Shares Out (Mil) | 18.6 | 16.0 | 29% |
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| Institutional Ownership | 93.0% | 84.1% | 62% |
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| Float (Mil) | 17.8 | 21.6 | 27% |
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| Beta | na | 0.44 | na |
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| Avg Daily Volume (000s) | 203 | 50 | 43% |
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| Price Change (52-week) |
43.4% | 93.9% | 80% |
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| Growth | AVBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 7.7% | na |
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| Net Income (5yr) | na | 11.1% | na |
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| EPS (5yr) | na | 10.0% | na |
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| Dividends (5yr) | na | 3.6% | 56% |
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| Cash Flow (5yr) | na | (17.2%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.380 | $1.440 | $1.480 | |
| Month Ago EPS | $0.380 | $1.440 | $1.480 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.320 | $1.310 | $1.410 | |
| Year/Year Chg | (1.6%) | (900.0%) | na | |
| Financials | AVBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $108 | $191 | 27% |
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| Net Income (TTM) (Mil) | $18 | $55 | 48% |
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| EPS (TTM) | $0.946 | $2.500 | 60% |
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| Operating Cash Flow (TTM) (Mil) | $51 | $34 | 47% |
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| Net Cash Flow (TTM) (Mil) | ($238) | $2 | 9% |
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| Long-Term Debt (Q1) (Mil) | $33 | $98 | 36% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | AVBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.08 | 1.26 | 25% |
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| P/E | 23.9 | 12.3 | 62% |
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| Dividend Yield | 1.1% | 2.2% | 68% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | AVBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 16.3% | 29.2% | 74% |
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| ROA | 0.6% | 1.1% | 42% |
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| ROE | 6.1% | 11.3% | 46% |
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| Liabilities to Assets | 86.0% | 89.7% | 79% |
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| F-Score | 4 | 4 | na |
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Avidia Bancorp, Inc. did not pass any screens on 9/18/2026.
