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Avidia Bancorp, Inc. (New York Stock Exchange:AVBC)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
23.03+0.37 (+1.63%)
Insider Score
/ 100
AVBC Insider Score
Avidia Bancorp, Inc. has a live Insider Score.
Scored on 11 qualifying trades from 5 insiders in the last 90 days.
Financial Health Score
Sound
From AVBC’s reported statements · Q3 2026 (trailing 12 months) · 4 of 5 pillars
Profitability19 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $154.9M
- Net income
- $27.1M
- Net margin
- 17.5%
Leverage4 / 20
Heavily indebted for what it earns.
- Total debt
- $137.9M
- Cash
- $18.0M
- Net debt / EBITDA
- 3.18x
Liquidity—
Current assets or liabilities not reported.
- Current assets
- $26.6M
- Current liabilities
- $0
- Current ratio
- —
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $32.9M
- Free cash flow
- $31.3M
- FCF margin
- 20.2%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 18.2M
- Share growth (1y)
- -1.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
AVBC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 40.42 M | 39.14 M | 37.88 M | 37.47 M | 38.41 M | 37.10 M |
| Revenue Growth (YoY) | 5.23 % | 5.48 % | 8.94 % | 12.00 % | 9.77 % | 11.27 % |
| Cost of Revenue | 9.47 M | 10.17 M | 10.71 M | 11.37 M | 11.99 M | 12.31 M |
| Gross Profit | 30.94 M | 28.97 M | 27.18 M | 26.11 M | 26.42 M | 24.79 M |
| SG&A Expense | 11.73 M | 11.40 M | 12.03 M | 11.13 M | 10.96 M | 10.22 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 19.38 M | 19.50 M | 18.99 M | 18.36 M | 28.37 M | 19.76 M |
| Operating Income | 11.56 M | 9.47 M | 8.19 M | 7.75 M | -1.95 M | 5.03 M |
| Pretax Income | 11.56 M | 9.47 M | 8.19 M | 7.75 M | -1.95 M | 5.03 M |
| Tax Provision | 2.96 M | 2.30 M | 2.19 M | 2.41 M | -1.04 M | 1.16 M |
| Net Income | 8.60 M | 7.17 M | 6.00 M | 5.33 M | -907.00 K | 3.87 M |
| EPS (Basic) | 0.47 | 0.39 | 0.32 | 0.29 | -0.05 | 0.19 |
| EPS (Diluted) | 0.47 | 0.39 | 0.32 | 0.29 | -0.05 | 0.19 |
| Shares Outstanding | 18.25 M | 18.58 M | 18.56 M | 18.54 M | 18.52 M | 20.08 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.