Tearsheet

Avidia Bancorp (AVBC)

Market Price (10/31/2025): $14.78 | Market Cap: $296.7 Mil
Sector: Financials | Industry: Regional Banks

Avidia Bancorp (AVBC)

Market Price (10/31/2025): $14.78
Market Cap: $296.7 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

Not cash flow generative
is -4.2%, is -8.3%

0	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -4.2%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -8.3%

Market Valuation & Key Metrics

Valuation
Key Metrics

	10/31/25	2024	2023
Share Price CYE	$14.78
Market Cap CYE ($ Mil)	296.7	-	-
Total Debt ($ Mil)	287.7	352.7	428.5
Total Cash ($ Mil)	308.6	62.4	70.3
Enterprise Value ($ Mil)	275.9
Valuation Ratios
P/S TTM	0.0	0.0	0.0
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	0.0	0.0	0.0
Sector Ratios
P/S TTM (Sector)	3.0	3.0	2.8
P/EBIT TTM (Sector)	6.8	6.8	7.0
P/E TTM (Sector)	11.8	11.5	10.1

	10/31/25	2024	2023
Share Price CYE	$14.78
Market Cap CYE ($ Mil)	296.7	-	-
Total Debt ($ Mil)	287.7	352.7	428.5
Total Cash ($ Mil)	308.6	62.4	70.3
Enterprise Value ($ Mil)	275.9
Valuation Ratios
P/S TTM	0.0	0.0	0.0
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	0.0	0.0	0.0
Sector Ratios
P/S TTM (Sector)	3.0	3.0	2.8
P/EBIT TTM (Sector)	6.8	6.8	7.0
P/E TTM (Sector)	11.8	11.5	10.1

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AVBC Stock

Return (1M):

Factor Drivers of Stock Movement

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Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
AVBC Return	-	-	-	-	-	-	0%
Peers Return	-2%	12%	-18%	18%	1%	14%	22%
S&P 500 Return	16%	27%	-19%	24%	23%	16%	110%
Monthly Win Rates [3]
AVBC Win Rate	-	-	-	-	-	0%
Peers Win Rate	22%	25%	28%	35%	27%	48%
S&P 500 Win Rate	58%	75%	42%	67%	75%	67%
Max Drawdowns [4]
AVBC Max Drawdown	-	-	-	-	-	-
Peers Max Drawdown	-19%	-2%	-23%	-16%	-10%	-7%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: NEWT, ATLO, AVBC, LSBK, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/30/2025 (YTD)

How Low Can It Go

AVBC has limited trading history. Below is the Financials sector ETF (XLF) in its place.

Unique Key	Event	XLF	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-26.9%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	36.7%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	525 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-43.3%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	76.5%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	295 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-26.1%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	35.2%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	338 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-83.7%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	515.2%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	4470 days	1480 days

Compare to

In The Past

SPDR Select Sector Fund's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/12/2022. A -26.9% loss requires a 36.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Avidia Bancorp (AVBC)

Business Description

Better Bets than Avidia Bancorp (AVBC)

	AVBC	Better Performance than AVBC
Metric	Value	Industry (Regional Banks)
CFO/Rev LTM	-4.2%	NU (44.0%), MTB (43.5%), FITB (50.5%), FCNCA (32.5%), HBAN (33.3%)
FCF/Rev LTM	-8.3%	NU (40.8%), MTB (41.7%), FITB (43.7%), FCNCA (16.3%), HBAN (31.1%)

	AVBC	Better Performance than AVBC
Metric	Value	Sector (Financials)
CFO/Rev LTM	-4.2%	V (60.4%), MA (53.3%), BAC (4.4%), AXP (30.0%), RY (135.4%)
FCF/Rev LTM	-8.3%	V (56.8%), MA (49.2%), BAC (4.4%), AXP (26.9%), RY (131.7%)

	AVBC	Better Performance than AVBC
Metric	Value	All Other Sectors
CFO/Rev LTM	-4.2%	NVDA (46.6%), AAPL (26.6%), MSFT (50.0%), GOOGL (39.3%), AMZN (18.1%)
FCF/Rev LTM	-8.3%	NVDA (43.6%), AAPL (23.5%), MSFT (26.6%), GOOGL (19.1%), AMZN (2.0%)

		Best Bets In Financials Sector
	AVBC	DBRG	OTF	MTG	NMIH	CACC	ENVA	FNF	ACGL	APAM	FI
What You Pay
P/E	�	39.7	13.2	8.4	7.5	12.3	10.2	13.9	8.6	10.5	10.6
P/EBIT	�	64.7	9.0	6.4	5.5	9.9	7.8	8.9	7.6	6.1	5.8
What You Get
Rev Chg Q	�	-102.4%	1,228.5%	-0.7%	7.2%	8.3%	16.3%	16.8%	22.4%	4.4%	8.0%
Rev Chg LTM	�	-84.8%	89.0%	2.2%	10.0%	12.5%	21.1%	7.4%	23.5%	10.0%	6.7%
Rev Chg 3Y Avg	�	125.8%	221.9%	1.2%	10.1%	6.9%	23.5%	-0.7%	29.8%	0.2%	7.5%
FCF/Rev 3Y Avg	�	101.2%	76.2%	62.2%	58.8%	57.1%	54.7%	50.8%	38.4%	29.0%	20.7%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Trade Ideas

Select past ideas related to AVBC. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-14.4%	-14.4%	-14.4%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	5.9%	5.9%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	0.3%	0.3%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-7.7%	-7.7%	-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	15.0%	15.0%	0.0%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-14.4%	-14.4%	-14.4%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	5.9%	5.9%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	0.3%	0.3%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-7.7%	-7.7%	-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	15.0%	15.0%	0.0%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	GH	Guardant Health	27.9%	202.5%
2	GCI	Gannett	27.7%	3.8%
3	FORM	FormFactor	24.2%	34.7%
4	VIAV	Viavi Solutions	22.3%	69.3%
5	GSAT	Globalstar	22.2%	63.5%
6	MTSR	Metsera	22.1%	63729900.0%
7	PRM	Perimeter Solutions	21.1%	102.3%
8	CHRW	C.H. Robinson Worldwide	19.7%	52.6%
9	INSM	Insmed	16.3%	181.3%
10	CAH	Cardinal Health	15.4%	62.8%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	FMC	FMC	-46.5%	-66.6%
2	APLS	Apellis Pharmaceuticals	-31.0%	-35.0%
3	THRY	Thryv	-30.2%	-44.8%
4	SFM	Sprouts Farmers Market	-26.1%	-39.2%
5	IART	Integra Lifesciences	-23.5%	-47.9%
6	ITRI	Itron	-21.1%	0.4%
7	WOLF	Wolfspeed	-18.2%
8	CMG	Chipotle Mexican Grill	-18.2%	-46.1%
9	CI	Cigna	-17.4%	-9.2%
10	EME	EMCOR	-16.6%	43.0%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	INBX	Inhibrx Biosciences	176.8%	409.8%
2	PUMP	ProPetro	71.2%	16.2%
3	RNA	Avidity Biosciences	43.5%	139.6%
4	DYN	Dyne Therapeutics	42.8%	-0.0%
5	GCI	Gannett	39.3%	3.8%
6	FORM	FormFactor	38.3%	34.7%
7	MBX	MBX Biosciences	35.1%	18.2%
8	BBNX	Beta Bionics	33.8%
9	GH	Guardant Health	33.3%	202.5%
10	LUMN	Lumen Technologies	32.7%	94.7%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PMI	Picard Medical	-75.2%	5106.3%
2	LRN	Stride	-56.1%	-35.8%
3	NTLA	Intellia Therapeutics	-52.6%	5.2%
4	FMC	FMC	-48.7%	-66.6%
5	FI	Fiserv	-47.4%	-68.3%
6	VRNS	Varonis Systems	-43.8%	-21.2%
7	THRY	Thryv	-33.4%	-44.8%
8	NFE	New Fortress Energy	-30.5%	-91.9%
9	AKBA	Akebia Therapeutics	-29.5%	10.5%
10	UAMY	United States Antimony	-28.9%	371.2%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	PRAX	Praxis Precision Medicines	279.1%	161.2%
2	INBX	Inhibrx Biosciences	131.0%	409.8%
3	PUMP	ProPetro	99.6%	16.2%
4	DYN	Dyne Therapeutics	88.4%	-0.0%
5	VICR	Vicor	85.4%	89.2%
6	CELC	Celcuity	74.6%	503.2%
7	GLUE	Monte Rosa Therapeutics	73.5%	87.5%
8	NVTS	Navitas Semiconductor	72.1%	251.8%
9	LUMN	Lumen Technologies	70.3%	94.7%
10	BALY	Ballys	63.4%	4.1%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	PMI	Picard Medical	-62.9%	5106.3%
2	LRN	Stride	-53.8%	-35.8%
3	FMC	FMC	-51.0%	-66.6%
4	FI	Fiserv	-48.3%	-68.3%
5	NFE	New Fortress Energy	-43.6%	-91.9%
6	VG	Venture Global	-41.7%
7	OGN	Organon	-40.2%	-55.0%
8	VRNS	Varonis Systems	-39.5%	-21.2%
9	ITGR	Integer	-38.5%	-52.2%
10	LENZ	LENZ Therapeutics	-37.9%	5.5%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	GH	Guardant Health	27.9%	202.5%
2	GCI	Gannett	27.7%	3.8%
3	FORM	FormFactor	24.2%	34.7%
4	VIAV	Viavi Solutions	22.3%	69.3%
5	GSAT	Globalstar	22.2%	63.5%
6	MTSR	Metsera	22.1%	63729900.0%
7	PRM	Perimeter Solutions	21.1%	102.3%
8	CHRW	C.H. Robinson Worldwide	19.7%	52.6%
9	INSM	Insmed	16.3%	181.3%
10	CAH	Cardinal Health	15.4%	62.8%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	FMC	FMC	-46.5%	-66.6%
2	APLS	Apellis Pharmaceuticals	-31.0%	-35.0%
3	THRY	Thryv	-30.2%	-44.8%
4	SFM	Sprouts Farmers Market	-26.1%	-39.2%
5	IART	Integra Lifesciences	-23.5%	-47.9%
6	ITRI	Itron	-21.1%	0.4%
7	WOLF	Wolfspeed	-18.2%
8	CMG	Chipotle Mexican Grill	-18.2%	-46.1%
9	CI	Cigna	-17.4%	-9.2%
10	EME	EMCOR	-16.6%	43.0%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	INBX	Inhibrx Biosciences	176.8%	409.8%
2	PUMP	ProPetro	71.2%	16.2%
3	RNA	Avidity Biosciences	43.5%	139.6%
4	DYN	Dyne Therapeutics	42.8%	-0.0%
5	GCI	Gannett	39.3%	3.8%
6	FORM	FormFactor	38.3%	34.7%
7	MBX	MBX Biosciences	35.1%	18.2%
8	BBNX	Beta Bionics	33.8%
9	GH	Guardant Health	33.3%	202.5%
10	LUMN	Lumen Technologies	32.7%	94.7%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PMI	Picard Medical	-75.2%	5106.3%
2	LRN	Stride	-56.1%	-35.8%
3	NTLA	Intellia Therapeutics	-52.6%	5.2%
4	FMC	FMC	-48.7%	-66.6%
5	FI	Fiserv	-47.4%	-68.3%
6	VRNS	Varonis Systems	-43.8%	-21.2%
7	THRY	Thryv	-33.4%	-44.8%
8	NFE	New Fortress Energy	-30.5%	-91.9%
9	AKBA	Akebia Therapeutics	-29.5%	10.5%
10	UAMY	United States Antimony	-28.9%	371.2%

Peer Comparisons for Avidia Bancorp

Financials

	AVBC	NEWT	ATLO	LSBK	NU	Median
Name	Avidia B.	NewtekOne	Ames Nat.	Lake Sho.	Nu
Mkt Price	14.78	10.21	20.84	13.86	16.06	14.78
Mkt Cap	-	0.3	0.2	-	77.5	0.3
Rev LTM	90	257	60	26	8,967	90
Op Inc LTM	-	-	-	-	-	-
FCF LTM	-8	-378	20	4	3,657	4
FCF 3Y Avg	-	-194	16	5	2,317	10
CFO LTM	-4	-378	20	4	3,941	4
CFO 3Y Avg	-	-193	18	5	2,506	12

Growth & Margins

	AVBC	NEWT	ATLO	LSBK	NU	Median
Name	Avidia B.	NewtekOne	Ames Nat.	Lake Sho.	Nu
Rev Chg LTM	-	24.3%	13.1%	2.1%	23.7%	18.4%
Rev Chg 3Y Avg	-	28.3%	-2.3%	0.0%	70.1%	14.1%
Rev Chg Q	-	18.6%	19.4%	16.5%	20.4%	19.0%
QoQ Delta Rev Chg LTM	-	4.2%	4.6%	4.0%	5.0%	4.4%
Op Mgn LTM	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-
CFO/Rev LTM	-4.2%	-147.3%	33.7%	17.4%	44.0%	17.4%
CFO/Rev 3Y Avg	-	-97.4%	31.7%	19.2%	37.8%	25.5%
FCF/Rev LTM	-8.3%	-147.4%	33.0%	15.3%	40.8%	15.3%
FCF/Rev 3Y Avg	-	-97.5%	27.6%	17.8%	34.9%	22.7%

Valuation

	AVBC	NEWT	ATLO	LSBK	NU	Median
Name	Avidia B.	NewtekOne	Ames Nat.	Lake Sho.	Nu
Mkt Cap	-	0.3	0.2	-	77.5	0.3
P/S	-	1.0	3.1	-	8.6	3.1
P/EBIT	-	-	-	-	-	-
P/E	-	4.8	13.6	-	33.7	13.6
P/CFO	-	-0.7	9.2	-	19.7	9.2
Total Yield	-	20.8%	11.6%	-	3.0%	11.6%
Dividend Yield	-	0.0%	4.2%	-	0.0%	0.0%
FCF Yield 3Y Avg	-	-62.0%	9.6%	-	4.3%	4.3%
D/E	-	2.6	0.2	-	0.0	0.2
Net D/E	-	1.8	-3.9	-	-0.3	-0.3

Returns

	AVBC	NEWT	ATLO	LSBK	NU	Median
Name	Avidia B.	NewtekOne	Ames Nat.	Lake Sho.	Nu
1M Rtn	-1.1%	-9.3%	3.1%	6.6%	0.3%	0.3%
3M Rtn	-	-9.2%	16.6%	12.6%	31.4%	14.6%
6M Rtn	-	0.2%	20.7%	-	30.1%	20.7%
12M Rtn	-	-18.2%	27.0%	-	2.1%	2.1%
3Y Rtn	-	-22.3%	8.2%	-	221.2%	8.2%
1M Excs Rtn	-2.1%	-10.3%	2.0%	4.6%	4.1%	2.0%
3M Excs Rtn	-8.4%	-16.6%	7.5%	4.6%	23.9%	4.6%
6M Excs Rtn	-	-21.5%	-1.0%	-	8.4%	-1.0%
12M Excs Rtn	-	-36.7%	9.3%	-	-13.4%	-13.4%
3Y Excs Rtn	-	-99.2%	-68.6%	-	173.1%	-68.6%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023
Period End	6/30/2025	12/31/2024	12/31/2023
Filing Date	8/14/2025	5/21/2025	5/21/2025
Key Financials
Total Revenue	90	86	85
Net Income	-2	11	12
EPS	-0.09	0.57	0.62
Growth Rates
Total Revenue Growth	-	1.4%	-
Net Income Growth	-	-7.7%	-
Margins
Net Income Margin	-2.0%	13.3%	14.7%
Cash & Debt
Total Cash	481	329	319
Total Debt	288	353	429
Net Debt / (Cash)	-193	23	110
Cash Flows
Net Cash from Operations	-4	23	16
Free Cash from Operations	-8	20	12
Returns to Shareholders
Dividends	0	-0	-0
Share Repurchases	-0	-0	-0

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q2	2024Q1
Period End	6/30/2025	3/31/2025	6/30/2024	3/31/2024
Filing Date	8/14/2025	6/27/2025	8/14/2025	6/27/2025
Key Financials Quarterly
Total Revenue	25	22	21	22
Net Income	4	-12	2	4
EPS	0.19	-0.58	0.12	0.18
Key Financials TTM
Total Revenue TTM	90	-	-	-
Net Income TTM	-2	-	-	-
Growth Rates Quarterly
Total Revenue Growth	-	-	-	-
Net Income Growth	-	-	-	-
Margins Quarterly
Net Income Margin	15.5%	-52.1%	11.3%	15.8%
Cash & Debt
Total Cash	481	250	-	-
Total Debt	288	353	0	0
Net Debt / (Cash)	-193	103	-	-
Cash Flows Quarterly
FCF from Operations	-2	-2	-1	1
Cash Flows TTM
FCF from Operations TTM	-4	-	-	-
Returns to Shareholders Quarterly
Dividends	0	0	0	0
Share Repurchases	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-44.9%	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-

	1M	2M	3M	6M	1Y	3Y
Beta	1.06	-0.00	-0.54	0.03	0.16	-0.15
Up Beta	2.82	-0.40	0.95	0.26	0.21	0.63
Down Beta	-0.04	1.15	0.66	-0.10	-0.19	-0.21
Up Capture	22%	53%	38%	9%	4%	0%
Bmk +ve Days	13	23	35	74	144	420
Stock +ve Days	8	16	16	16	16	16
Down Capture	179%	67%	51%	15%	9%	5%
Bmk -ve Days	8	19	29	52	107	330
Stock -ve Days	13	24	24	24	24	24

Short Interest

Short Interest: As Of Date	10152025
Short Interest: Shares Quantity	373,356
Short Interest: % Change Since 9302025	-23.1%
Average Daily Volume	54,589
Days-to-Cover Short Interest	6.84
Basic Shares Quantity	20,076,250
Short % of Basic Shares	1.9%

Earnings Returns History

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	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/27/2025	0.5%
8/4/2025	-0.3%	-0.2%	4.0%
SUMMARY STATS
# Positive	1	0	1
# Negative	1	2	1
Median Positive	0.5%		4.0%
Median Negative	-0.3%	-0.2%
Max Positive	0.5%		4.0%
Max Negative	-0.3%	-0.2%

	Forward Returns
10/27/2025	0.5%
8/4/2025	-0.3%	-0.2%	4.0%
SUMMARY STATS
# Positive	1	0	1
# Negative	1	2	1
Median Positive	0.5%		4.0%
Median Negative	-0.3%	-0.2%
Max Positive	0.5%		4.0%
Max Negative	-0.3%	-0.2%

SEC Filings

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Report Date	Filing Date	Filing
6302025	8142025	10-Q 6/30/2025
3312025	6272025	10-Q 3/31/2025
12312024	5212025	424B3 12/31/2024

Insider Activity

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	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Cozzone Robert D	President & CEO	9152025	Buy	15.51	3,224	50,000	620,616	Form
1	Cozzone Robert D	President & CEO	9102025	Buy	15.50	3,226	50,008	570,350	Form
2	Nelson Jonathan Michael	CFO and Treasurer	9032025	Buy	15.45	3,240	50,058	208,266	Form
3	Cozzone Robert D	President & CEO	9032025	Buy	15.63	3,199	50,000	473,401	Form
4	Nelson Jonathan Michael	CFO and Treasurer	8282025	Buy	15.47	500	7,735	116,024	Form

Industry Resources

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Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Avidia Bancorp (AVBC)

Market Price (10/31/2025): $14.78 | Market Cap: $296.7 MilSector: Financials | Industry: Regional Banks

Avidia Bancorp (AVBC)

Market Price (10/31/2025): $14.78Market Cap: $296.7 MilSector: FinancialsIndustry: Regional Banks

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Market Price (10/31/2025): $14.78 | Market Cap: $296.7 Mil
Sector: Financials | Industry: Regional Banks

Market Price (10/31/2025): $14.78
Market Cap: $296.7 Mil
Sector: Financials
Industry: Regional Banks