Stocks · Financial Services · Banks - Regional
Avidbank Holdings, Inc. AVBH
$31.34 +0.26% Close, Oct 5, 2026 · NASDAQ · Market cap $342.5M
Low risk
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 narrowed to -29.3% from 37.0% a year earlier.
- The diluted share count rose 40.2% in a year.
- Revenue over the last four quarters was $68.4M, down 30.5% from a year earlier, slowing from -4.4% a quarter earlier.
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 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 3%
- EPS growth (TTM, YoY)Bottom 26%
- FCF growth (TTM, YoY)Top 19%
- Revenue growth, 3-year CAGRBottom 8%
- Revenue growth accelerationBottom 6%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 13%
- Gross marginBottom 11%
- Operating marginBottom 6%
- Cash conversion (OCF / net income)Bottom 24%
- Accruals (lower is better)Bottom 26%
- Interest coverBottom 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldBottom 32%
- EBITDA / enterprise valueBottom 6%
- Sales / enterprise valueBottom 23%
- P/E vs own 5-year history (lower is better)Bottom 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnTop 39%
- 1-year return vs S&P 500Top 28%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 18%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 22%
- Maximum drawdown, 3 yearsTop 21%
- Beta vs S&P 500 (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -4.4% | -30.5% | ↓ |
| EPS growth (YoY) | 7.6% | -3.9% | ↓ |
| Gross margin | 83.4% | 32.6% | ↓ |
| Operating margin | 37.0% | -29.3% | ↓ |
| FCF margin | 6.5% | 18.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -30.5% | -4.4% | ↓ | Bottom 3% |
| EPS growth (TTM, YoY) | -3.9% | 7.6% | ↓ | Bottom 26% |
| Gross margin | 32.6% | 83.4% | ↓ | Bottom 11% |
| Operating margin | -29.3% | 37.0% | ↓ | Bottom 6% |
| Net margin | 43.0% | 23.9% | ↑ | — |
| Free-cash-flow margin | 18.2% | 6.5% | ↑ | — |
| Return on invested capital | -1.4% | — | Bottom 13% | |
| Revenue growth, 3-year CAGR | -0.5% | — | Bottom 8% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.42×
- 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.
- 1.2%
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -17.79%
- Shareholder yield
- -17.79%
- Share count change, 1 year
- +40.2%
- Share count change, 3-year CAGR
- +13.1%
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 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -6.0%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 3 of 5
Analysts
- Consensus price target
- $32.50
- Target vs current price
- +3.7%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -8.2% | +0.2% | +2.9% | +0.8% | — |
| Apr 27, 2026 | +5.0% | +0.9% | -0.9% | -0.8% | +5.5% |
| Jan 29, 2026 | -14.5% | +0.8% | +11.5% | +9.2% | +10.2% |
| Oct 23, 2025 | -6.5% | -0.2% | +0.5% | -5.3% | +3.1% |
| Aug 25, 2025 | +0.0% | -0.7% | +1.9% | +5.2% | +0.2% |
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 | $0.76 | $0.83 | -8.2% | $29.7M |
| Apr 27, 2026 | $0.84 | $0.80 | +5.0% | $28.0M |
| Jan 29, 2026 | $0.65 | $0.76 | -14.5% | $26.8M |
| Oct 23, 2025 | $0.72 | $0.77 | -6.5% | -$23.6M |
| Aug 25, 2025 | $0.75 | $0.75 | +0.0% | $37.2M |
| Apr 22, 2025 | $0.71 | $0.63 | +12.7% | $20.5M |
| Jan 27, 2025 | $0.84 | $0.67 | +25.4% | $20.3M |
| Oct 21, 2024 | $0.77 | $0.65 | +18.5% | $20.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.6× | 9.3× | 76th | Top 21% |
| P/E (forward) | 9.3× | — | — | — |
| EV / Sales | 5.13× | — | — | Bottom 23% |
| Free-cash-flow yield | 3.64% | — | — | Bottom 32% |
| Earnings yield | 9.41% | — | — | Top 21% |
P/E over the past five years
Range 5.9× – 11.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +23.3%
- Earnings per share growth (TTM)
- -3.9%
- Change in P/E multiple
- +30.3%
Most of the move came from a change in the valuation multiple.
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
- 0
- Days above the 200-day average
- 95
- 50-day average slope (20 days)
- -1.2%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -1.8%
- Distance from 200-day average
- +4.0%
- RSI (14)
- 47.0
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 12.9%
- Beta vs S&P 500 (2 years, weekly)
- 0.58
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -6.5%
- Maximum drawdown, 3 years
- -13.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 9, 2026 | Mar 18, 2026 | -13.2% | 26 days | 49 days (May 28, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $342.5M
- P/E (TTM)
- 10.6
- EPS, diluted (TTM)
- $2.95
- Revenue (TTM)
- $68.4M
- 52-week range
- $24.03 – $34.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $52.8M | $75.2M | $67.9M | $77.1M | $74.2M |
| Gross profit | $52.8M | $75.2M | $67.9M | $77.1M | $25.8M |
| Operating income | $23.1M | $42.1M | $27.4M | $33.6M | -$25.8M |
| Net income | $12.3M | $25.0M | $16.8M | $21.0M | $24.0M |
| EPS (diluted) | $2.02 | $3.60 | $2.24 | $2.76 | $3.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.4M | $20.3M | $20.5M | $37.2M | -$23.6M | $40.1M | $40.5M | $11.4M |
| Net income | $5.8M | $6.5M | $5.4M | $5.8M | $5.8M | $6.9M | $9.0M | $7.6M |
| EPS (diluted) | $0.77 | $0.84 | $0.71 | $0.75 | $0.75 | $0.65 | $0.84 | $0.71 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $16.3M | $28.7M | $36.3M | $22.7M | $0 |
| Capital expenditure | -$78,000 | -$534,000 | -$166,000 | -$47,000 | $0 |
| Free cash flow | $16.2M | $28.1M | $36.2M | $22.6M | $0 |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$199,000 | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $246.1M
- Total assets
- $2.66B
- Total liabilities
- $2.36B
- Total debt
- $22.0M
- Net debt
- $8.1M
- Shareholders’ equity
- $296.2M
As of Jun 30, 2026 (filed Aug 12, 2026).
Short interest
- Shares sold short
- 383,464
- Days to cover
- 5.73
- Change vs previous report
- +8.4%
FINRA short interest, settlement date Sep 15, 2026.