Avidia Bancorp, Inc. (AVBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Avidia Bancorp, Inc. stock (AVBC) is currently trading at $19.41. Avidia Bancorp, Inc. PS ratio (Price-to-Sales) is 4.25. Analyst consensus price target for AVBC is $22.00. WallStSmart rates AVBC as Sell.
- AVBC PE ratio analysis and historical PE chart
- AVBC PS ratio (Price-to-Sales) history and trend
- AVBC intrinsic value — DCF, Graham Number, EPV models
- AVBC stock price prediction 2025 2026 2027 2028 2029 2030
- AVBC fair value vs current price
- AVBC insider transactions and insider buying
- Is AVBC undervalued or overvalued?
- Avidia Bancorp, Inc. financial analysis — revenue, earnings, cash flow
- AVBC Piotroski F-Score and Altman Z-Score
- AVBC analyst price target and Smart Rating
Avidia Bancorp, Inc.
📊 No data available
Try selecting a different time range
Smart Analysis
Avidia Bancorp, Inc. (AVBC) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book. Concerns around return on equity and profit margin. Mixed signals suggest waiting for clearer direction before acting.
Avidia Bancorp, Inc. (AVBC) Key Strengths (2)
Keeps $31 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Avidia Bancorp, Inc. (AVBC) Areas to Watch (6)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Premium valuation at 4.3x annual revenue
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Solid revenue growth at 13.90% per year
Avidia Bancorp, Inc. (AVBC) Detailed Analysis Report
Overall Assessment
This company scores 40/100 in our Smart Analysis, earning a D grade. Out of 8 metrics analyzed, 2 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book. Valuation metrics including Price/Book (0.92) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 31.40%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Price/Sales. Some valuation metrics including Price/Sales (4.25) suggest expensive pricing. Growth concerns include Revenue Growth at 13.90%, which may limit upside. Profitability pressure is visible in Return on Equity at -1.15%, Profit Margin at -4.01%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -1.15% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Profit Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AVBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AVBC's Price-to-Sales ratio of 4.25x sits near its historical average of 4.27x (17th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 4.31x set in Mar 2026, and 1% above its historical low of 4.2x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Avidia Bancorp, Inc. (AVBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Avidia Bancorp, Inc. is in a turnaround phase, with management focused on restoring profitability. Revenue reached 82M with 14% growth year-over-year. The company is currently unprofitable, posting a -401.0% profit margin.
Key Findings
The company is unprofitable with a -401.0% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Debt management: total debt of 288M is significantly higher than cash (16M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Avidia Bancorp, Inc..
Bottom Line
Avidia Bancorp, Inc. is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:22:30 AM
About Avidia Bancorp, Inc.(AVBC)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Avidia Bancorp, Inc. is the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. The company is headquartered in Hudson, Massachusetts.