Stocks · Financial Services · Banks - Regional
Avidia Bancorp, Inc. AVBC
$22.24 +2.68% Close, Oct 2, 2026 · NYSE · Market cap $446.5M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 15.3% from -2.8% a year earlier.
- Net debt is 6.8× EBITDA, a high level of leverage.
- The diluted share count fell 7.5% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 42%
- FCF growth (TTM, YoY)Top 14%
- Revenue growth, 3-year CAGRTop 37%
- Revenue growth accelerationBottom 39%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginTop 34%
- Operating marginBottom 34%
- Cash conversion (OCF / net income)Top 21%
- Accruals (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Bottom 19%
- Interest coverBottom 31%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 38%
- Free-cash-flow yieldBottom 44%
- EBITDA / enterprise valueBottom 35%
- Sales / enterprise valueBottom 35%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 33%
- 1-year return vs S&P 500Top 7%
- Distance from 52-week highTop 14%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 13%
- Consecutive EPS beatsTop 42%
- Upside to consensus price targetBottom 40%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 33%
- Maximum drawdown, 3 yearsTop 20%
- Beta vs S&P 500 (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Bottom 19%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.5% | 9.0% | ↓ |
| Gross margin | 50.9% | 71.1% | ↑ |
| Operating margin | -2.8% | 15.3% | ↑ |
| FCF margin | 9.7% | 20.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.0% | 10.5% | ↓ | Top 42% |
| Gross margin | 71.1% | 50.9% | ↑ | Top 34% |
| Operating margin | 15.3% | -2.8% | ↑ | Bottom 34% |
| Net margin | 11.5% | -1.5% | ↑ | — |
| Free-cash-flow margin | 20.5% | 9.7% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | 18.4% | — | Top 37% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.87×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -11.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -38.02%
- Shareholder yield
- -38.02%
- Share count change, 1 year
- -7.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 5
- Average EPS surprise, last 4
- +21.7%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 3 of 4
Analysts
- Consensus price target
- $25.00
- Target vs current price
- +12.4%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +14.7% | +0.0% | +9.9% | +8.7% | — |
| Apr 23, 2026 | +6.7% | -0.8% | -0.8% | -6.7% | -2.4% |
| Jan 29, 2026 | -3.3% | +3.0% | +12.5% | +10.3% | +17.6% |
| Oct 23, 2025 | +68.8% | -1.4% | +0.9% | +2.0% | +13.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.39 | $0.34 | +14.7% | $29.9M |
| Apr 23, 2026 | $0.32 | $0.30 | +6.7% | $28.3M |
| Jan 29, 2026 | $0.29 | $0.30 | -3.3% | $27.3M |
| Oct 23, 2025 | -$0.05 | -$0.16 | +68.8% | $28.0M |
| Aug 1, 2025 | $0.19 | $0.16 | +20.6% | $36.2M |
| May 21, 2025 | -$0.62 | — | — | $34.8M |
| Jun 30, 2024 | $0.12 | — | — | $33.3M |
| Mar 31, 2024 | $0.18 | — | — | $34.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 23.4× | — | — | Bottom 38% |
| P/E (forward) | 15.4× | — | — | — |
| EV / EBITDA | 24.7× | — | — | Bottom 35% |
| EV / Sales | 4.02× | — | — | Bottom 35% |
| Free-cash-flow yield | 7.00% | — | — | Bottom 44% |
| Earnings yield | 4.28% | — | — | Bottom 38% |
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 96
- 50-day average slope (20 days)
- +2.5%
- 200-day average slope (20 days)
- +3.0%
- Distance from 50-day average
- +1.5%
- Distance from 200-day average
- +12.0%
- RSI (14)
- 57.3
- Relative volume
- 0.66×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 26.0%
- Beta vs S&P 500 (2 years, weekly)
- 0.25
- Correlation with S&P 500
- 0.14
- Current drawdown from 1-year high
- -1.5%
- Maximum drawdown, 3 years
- -12.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 20, 2026 | May 28, 2026 | -12.1% | 27 days | 23 days (Jul 1, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $446.5M
- P/E (TTM)
- 23.4
- EPS, diluted (TTM)
- $0.95
- Revenue (TTM)
- $152.9M
- Dividend yield
- 0.72%
- 52-week range
- $14.31 – $22.90
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $87.1M | $88.9M | $124.6M | $140.8M | $147.6M |
| Gross profit | $87.1M | $88.9M | $82.9M | $88.5M | $82.1M |
| Operating income | $87.1M | $88.9M | $16.5M | $15.4M | -$5.7M |
| Net income | $17.4M | $9.0M | $12.4M | $11.5M | -$3.3M |
| EPS (diluted) | $0.00 | $0.00 | $0.62 | $0.57 | -$0.18 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $35.0M | $33.5M | $34.8M | $37.1M | $38.4M | $37.5M | $37.9M | $39.1M |
| Net income | $2.1M | $3.5M | -$11.6M | $3.9M | -$907,000 | $5.3M | $6.0M | $7.2M |
| EPS (diluted) | $0.10 | $0.17 | -$0.58 | $0.19 | -$0.05 | $0.29 | $0.32 | $0.39 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $0 | $0 | $15.6M | $23.2M | $0 |
| Capital expenditure | $0 | $0 | -$3.1M | -$2.8M | $0 |
| Free cash flow | $0 | $0 | $12.5M | $20.4M | $0 |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $19.2M
- Total assets
- $2.78B
- Total liabilities
- $2.39B
- Total debt
- $187.9M
- Net debt
- $168.7M
- Shareholders’ equity
- $389.5M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 18, 2026 | $0.06 | Aug 27, 2026 |
| May 19, 2026 | $0.05 | May 28, 2026 |
| Feb 17, 2026 | $0.05 | Feb 26, 2026 |
Short interest
- Shares sold short
- 482,507
- Days to cover
- 2.59
- Change vs previous report
- -2.8%
FINRA short interest, settlement date Sep 15, 2026.