NASDAQ : AVBH
Avidbank Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 34.02 USD (Oct 30, 2026, 1:58 PM EDT) · Market cap 374.09M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 143.43M | 132.82M | 130.88M | 112.49M | 71.81M | 50.82M |
| Interest Income on Investments | 17.43M | 12.93M | 11.56M | 12.49M | 11.22M | 4.06M |
| Total Interest Income | 160.86M | 145.75M | 142.44M | 124.98M | 83.03M | 54.88M |
| Interest Paid on Deposits | 51.84M | 53.16M | 54.15M | 36.41M | 7.51M | 2.62M |
| Interest Paid on Borrowings | 2.16M | 5.29M | 13.07M | 15.01M | 1.44M | 1.24M |
| Total Interest Expense | 54.00M | 58.45M | 67.22M | 51.42M | 8.95M | 3.86M |
| Net Interest Income | 106.87M | 87.31M | 75.22M | 73.56M | 74.08M | 51.03M |
| Gain (Loss) on Sale of Investments | -62.39M | -6.21M | -404.00K | 735.00K | ||
| Other Non-Interest Income | 7.98M | 6.01M | 6.01M | 3.56M | 5.07M | 4.58M |
| Total Non-Interest Income | 7.98M | -56.38M | 6.01M | -2.65M | 4.67M | 5.31M |
| Revenues Before Loan Losses | 114.85M | 30.93M | 81.23M | 70.91M | 78.75M | 56.34M |
| Provision for Loan Losses | 8.22M | 5.12M | 4.10M | 3.04M | 3.51M | 3.57M |
| Revenue | 106.62M | 25.81M | 77.14M | 67.86M | 75.24M | 52.77M |
| Salaries and Employee Benefits | 35.48M | 34.02M | 29.29M | 27.80M | 26.67M | 22.98M |
| Occupancy Expenses | 2.67M | 2.59M | 3.02M | 2.62M | 852.00K | 1.28M |
| Selling, General & Administrative | 13.70M | 11.79M | 11.25M | 10.00M | 5.61M | 5.40M |
| Other Non-Interest Expense | 7.47M | 4.15M | 3.77M | 3.48M | 7.66M | 5.96M |
| Total Non-Interest Expense | 59.31M | 52.56M | 47.33M | 43.89M | 40.79M | 35.62M |
| EBT Excluding Unusual Items | 47.32M | -26.75M | 29.80M | 23.97M | 34.45M | 17.15M |
| Other Unusual Items | -222.00K | -222.00K | ||||
| Pretax Income | 47.09M | -26.97M | 29.80M | 23.97M | 34.45M | 17.15M |
| Income Tax Expense | 13.29M | -7.42M | 8.79M | 7.17M | 9.43M | 4.89M |
| Net Income | 33.80M | -19.55M | 21.02M | 16.80M | 25.02M | 12.26M |
| Net Income to Common | 33.80M | -19.55M | 21.02M | 16.80M | 25.02M | 12.26M |
| Basic Shares Outstanding | 10.61M | 8.70M | 7.43M | 7.32M | 6.80M | 5.89M |
| Diluted Shares Outstanding | 10.74M | 8.70M | 7.60M | 7.49M | 6.95M | 6.06M |
| EPS (Basic) | 3.19 | -2.25 | 2.83 | 2.29 | 3.68 | 2.08 |
| EPS (Diluted) | 3.14 | -2.25 | 2.76 | 2.24 | 3.60 | 2.02 |
| Effective Tax Rate | 28.23% | 29.49% | 29.91% | 27.36% | 28.51% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 9.23M | 7.94M | 8.66M | 9.55M | 17.43M | 493.34M |
| Investment Securities | 5.18M | 5.23M | 3.62M | 32.48M | 2.79M | |
| Trading Asset Securities | 945.00K | 663.00K | 458.00K | 1.10M | ||
| Mortgage-Backed Securities | 279.71M | 212.98M | 291.32M | 321.70M | 412.18M | 378.88M |
| Total Investments | 279.71M | 219.10M | 297.22M | 325.78M | 445.76M | 381.67M |
| Gross Loans | 2.28B | 2.15B | 1.86B | 1.74B | 1.56B | 1.23B |
| Allowance for Loan Losses | -22.79M | -22.26M | -18.68M | -19.13M | -16.48M | -13.05M |
| Other Adjustments to Gross Loans | -1.40M | -1.70M | -1.84M | |||
| Net Loans | 2.26B | 2.13B | 1.85B | 1.72B | 1.54B | 1.21B |
| Property, Plant & Equipment | 984.00K | 7.13M | 9.26M | 12.82M | 16.27M | 19.27M |
| Accrued Interest Receivable | 60.80M | 8.99M | 8.09M | 8.00M | 14.30M | 11.74M |
| Restricted Cash | 344.83M | 146.63M | 74.04M | 71.85M | 29.85M | |
| Long-Term Deferred Tax Assets | 16.56M | 30.43M | 28.78M | 32.45M | 9.16M | |
| Other Long-Term Assets | 11.54M | 28.70M | 22.11M | 44.13M | 32.75M | 31.88M |
| Total Assets | 2.97B | 2.57B | 2.30B | 2.23B | 2.13B | 2.16B |
| Interest Bearing Deposits | 2.08B | 1.61B | 1.43B | 1.16B | 996.36M | 906.78M |
| Institutional Deposits | 21.88M | 51.01M | 23.38M | 61.79M | 79.47M | |
| Non-Interest Bearing Deposits | 535.13M | 556.97M | 414.33M | 472.52M | 765.08M | 993.16M |
| Total Deposits | 2.61B | 2.19B | 1.89B | 1.65B | 1.82B | 1.98B |
| Short-Term Borrowings | 60.00M | 185.00M | 360.00M | 130.20M | ||
| Current Portion of Leases | 2.68M | |||||
| Accrued Interest Payable | 26.15M | 142.00K | 1.09M | 18.86M | 7.34M | 8.04M |
| Long-Term Debt | 29.13M | 22.00M | 22.00M | 21.91M | 21.80M | 21.70M |
| Long-Term Leases | 3.53M | 7.69M | 10.43M | 13.15M | 15.83M | |
| Other Long-Term Liabilities | 14.24M | 11.00M | 392.00K | |||
| Total Liabilities | 2.67B | 2.29B | 2.12B | 2.07B | 2.00B | 2.03B |
| Common Stock | 170.84M | 169.99M | 107.00M | 104.50M | 102.36M | 72.80M |
| Retained Earnings | 138.00M | 111.15M | 130.70M | 109.69M | 93.82M | 68.80M |
| Comprehensive Income & Other | -9.34M | -161.00K | -51.34M | -48.88M | -58.65M | -4.50M |
| Shareholders' Equity | 299.51M | 280.98M | 186.36M | 165.31M | 137.54M | 137.10M |
| Total Liabilities & Equity | 2.97B | 2.57B | 2.30B | 2.23B | 2.13B | 2.16B |
| Total Debt | 29.13M | 88.21M | 214.69M | 392.33M | 165.15M | 37.53M |
| Net Cash (Debt) | -19.90M | -79.32M | -205.36M | -382.33M | -146.62M | 455.81M |
| Net Cash Per Share | -1.85 | -9.12 | -27.01 | -51.04 | -21.09 | 75.19 |
| Filing Date Shares Outstanding | 11.00M | 10.98M | 7.91M | 7.77M | 7.65M | 6.26M |
| Total Common Shares Outstanding | 11.00M | 10.95M | 7.91M | 7.77M | 7.65M | 6.26M |
| Book Value Per Share | 27.24 | 25.66 | 23.57 | 21.27 | 17.99 | 21.91 |
| Tangible Book Value | 299.51M | 280.98M | 186.36M | 165.31M | 137.54M | 137.10M |
| Tangible Book Value Per Share | 27.24 | 25.66 | 23.57 | 21.27 | 17.99 | 21.91 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -19.55M | 21.02M | 16.80M | 25.02M | 12.26M | |
| Depreciation & Amortization | 1.13M | 1.65M | 1.91M | 2.09M | 1.72M | |
| Other Amortization | 94.00K | 101.00K | 102.00K | 138.00K | ||
| Gain (Loss) on Sale of Assets | -16.00K | 165.00K | 113.00K | |||
| Gain (Loss) on Sale of Investments | 62.39M | 6.21M | 404.00K | -735.00K | ||
| Provision for Credit Losses | 5.12M | 4.10M | 3.04M | 3.51M | 3.57M | |
| Accrued Interest Receivable | -22.87M | -130.00K | -4.80M | -4.51M | -4.02M | |
| Other Operating Activities | 9.20M | 2.71M | 1.95M | 1.94M | 2.98M | |
| Operating Cash Flow | 39.03M | 22.69M | 36.33M | 28.66M | 17.31M | |
| Capital Expenditures | -93.00K | -47.00K | -166.00K | -534.00K | -78.00K | |
| Sale of Property, Plant and Equipment | 36.00K | 232.00K | ||||
| Investment in Securities | 88.04M | 24.27M | 126.77M | -142.74M | -224.30M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -284.65M | -128.43M | -201.50M | -330.82M | -233.96M | |
| Other Investing Activities | 21.48M | 12.22M | -1.56M | -21.36M | ||
| Investing Cash Flow | -196.71M | -82.70M | -62.69M | -475.66M | -479.46M | |
| Short-Term Debt Issued | 96.00M | 40.00M | ||||
| Long-Term Debt Issued | 70.00M | 1.04B | 270.00M | |||
| Total Debt Issued | 70.00M | 1.14B | 310.00M | |||
| Short-Term Debt Repaid | -55.00M | -21.00M | ||||
| Long-Term Debt Repaid | -70.00M | -224.00M | -907.00M | -180.00M | ||
| Total Debt Repaid | -125.00M | -245.00M | -907.00M | -180.00M | ||
| Net Debt Issued (Repaid) | -125.00M | -175.00M | 230.00M | 130.00M | ||
| Issuance of Common Stock | 61.34M | 27.89M | ||||
| Net Increase (Decrease) in Deposit Accounts | 294.72M | 237.03M | -168.91M | -156.18M | 725.66M | |
| Other Financing Activities | -1.52M | -713.00K | -627.00K | -762.00K | -199.00K | |
| Financing Cash Flow | 229.54M | 61.31M | 60.47M | 950.00K | 725.46M | |
| Net Cash Flow | 71.87M | 1.30M | 34.11M | -446.06M | 263.31M | |
| Free Cash Flow | 38.94M | 22.64M | 36.16M | 28.12M | 17.23M | |
| Free Cash Flow Margin | 150.87% | 29.36% | 53.28% | 37.38% | 32.66% | |
| Free Cash Flow Per Share | 4.47 | 2.98 | 4.83 | 4.04 | 2.84 | |
| Cash Interest Paid | 42.35M | 8.88M | 3.71M | |||
| Cash Income Tax Paid | 4.42M | 7.48M | 9.47M | 8.28M | 6.64M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 385.96M | 290.85M | 172.37M | 166.17M | 157.94M | 157.02M |
| Last Close Price | 34.12 | 26.56 | 21.80 | 21.37 | 20.70 | 25.10 |
| PE Ratio | 11.17 | 8.20 | 9.89 | 6.31 | 12.80 | |
| PS Ratio | 3.52 | 11.27 | 2.23 | 2.45 | 2.10 | 2.98 |
| PB Ratio | 1.25 | 1.03 | 0.93 | 1.00 | 1.15 | 1.15 |
| P/FCF Ratio | 7.16 | 7.47 | 7.61 | 4.59 | 5.62 | 9.11 |
| P/OCF Ratio | 7.15 | 7.45 | 7.60 | 4.57 | 5.51 | 9.07 |
| Debt / Equity Ratio | 0.10 | 0.31 | 1.15 | 2.37 | 1.20 | 0.27 |
| Debt / FCF Ratio | 2.27 | 9.48 | 10.85 | 5.87 | 2.18 | |
| Net Debt / Equity Ratio | 0.07 | 0.28 | 1.10 | 2.31 | 1.07 | -3.33 |
| Net Debt / FCF Ratio | 2.04 | 9.07 | 10.57 | 5.21 | -26.45 | |
| Return on Equity (ROE) | 11.81% | -8.37% | 11.95% | 11.09% | 18.22% | 9.25% |
| Return on Assets (ROA) | 1.27% | -0.80% | 0.93% | 0.77% | 1.17% | 0.68% |
| Earnings Yield | 8.95% | -6.72% | 12.19% | 10.11% | 15.84% | 7.81% |
| FCF Yield | 13.97% | 13.39% | 13.14% | 21.76% | 17.81% | 10.98% |
| Buyback Yield / Dilution | -35.73% | -14.44% | -1.52% | -7.74% | -14.69% | -1.59% |