Avidbank (AVBH)


Market Price (11/6/2026): $34.2 | Market Cap: $376.1 MilSector: Financials | Industry: Regional Banks

Avidbank (AVBH)


Market Price (11/6/2026): $34.2
Market Cap: $376.1 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 113%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 113%

Attractive yield
FCF Yield is 14%

Low stock price volatility
Vol 12M is 18%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Online Banking & Lending, and Private Credit.

Trading close to highs
Dist 52W High is -2.4%, Dist 3Y High is -2.4%

Weak multi-year price returns
3Y Excs Rtn is -20%

Expensive valuation multiples
P/SPrice/Sales ratio is 7.8x

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -45%

Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -9.5%

Key risks
AVBH key risks include [1] substantial investment portfolio losses driven by interest rate changes and [2] a heavy loan concentration in San Francisco Bay Area commercial real estate.

0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 113%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 113%
2 Attractive yield
FCF Yield is 14%
3 Low stock price volatility
Vol 12M is 18%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Online Banking & Lending, and Private Credit.
5 Trading close to highs
Dist 52W High is -2.4%, Dist 3Y High is -2.4%
6 Weak multi-year price returns
3Y Excs Rtn is -20%
7 Expensive valuation multiples
P/SPrice/Sales ratio is 7.8x
8 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -45%
9 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -9.5%
10 Key risks
AVBH key risks include [1] substantial investment portfolio losses driven by interest rate changes and [2] a heavy loan concentration in San Francisco Bay Area commercial real estate.

AVBH in ETFs

Weight = AVBH's share of each fund

VTI0.00%
IWM0.01%
IWN0.02%
VTWO0.01%
DFAS0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Avidbank (AVBH) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Avidbank reported stronger-than-expected financial results for its fiscal Q3 2026 (ended September 30, 2026). The company announced diluted earnings per share (EPS) of $0.94, exceeding the consensus analyst estimate of $0.87 by $0.07. Quarterly revenue also surpassed expectations, reaching $30.37 million against an estimated $29.26 million. This performance represented a significant increase in net income to $10.2 million, up from $7.6 million in fiscal Q2 2026 and a notable turnaround from a $37.7 million net loss in fiscal Q3 2025.

2. The company demonstrated robust loan and deposit growth during fiscal Q3 2026. Loans, net of deferred fees, increased by $58.4 million, or 10% on an annualized basis, from June 30, 2026, to a total of $2.28 billion by September 30, 2026. Concurrently, total deposits saw a substantial increase of $290.1 million during the quarter, reaching $2.61 billion.

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Updated on 11/1/2026

Avidbank (AVBH) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Avidbank reported stronger-than-expected financial results for its fiscal Q3 2026 (ended September 30, 2026). The company announced diluted earnings per share (EPS) of $0.94, exceeding the consensus analyst estimate of $0.87 by $0.07. Quarterly revenue also surpassed expectations, reaching $30.37 million against an estimated $29.26 million. This performance represented a significant increase in net income to $10.2 million, up from $7.6 million in fiscal Q2 2026 and a notable turnaround from a $37.7 million net loss in fiscal Q3 2025.

2. The company demonstrated robust loan and deposit growth during fiscal Q3 2026. Loans, net of deferred fees, increased by $58.4 million, or 10% on an annualized basis, from June 30, 2026, to a total of $2.28 billion by September 30, 2026. Concurrently, total deposits saw a substantial increase of $290.1 million during the quarter, reaching $2.61 billion.

3. Avidbank enhanced its capital structure and financial flexibility through a successful debt offering. In August 2026, the company completed a $30 million private placement of fixed-to-floating rate subordinated notes. These notes are designed to qualify as Tier 2 regulatory capital, strengthening the bank's capital position. A portion of the proceeds, specifically $22 million, was used to repurchase or redeem existing callable subordinated notes, thereby optimizing Avidbank's debt profile.

4. Positive analyst sentiment and increased price targets contributed to the stock's upward trend. During the specified period, multiple analysts reiterated or initiated "Buy" ratings for AVBH. For example, StoneX initiated coverage with a "buy" rating and a $40 price target in September 2026. D.A. Davidson also maintained a "Buy" rating and raised its price target from $38.00 to $40.00 in October 2026. The consensus among five analysts is a "Buy" rating with an average price target of $40.40, indicating an anticipated 18.4% upside from the stock's price level as of October 26, 2026.

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Stock Movement Drivers

Fundamental Drivers

The 4.6% change in AVBH stock from 7/31/2026 to 11/5/2026 was primarily driven by a 161.2% change in the company's P/S Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)32.6134.104.6%
Change Contribution By: 
Total Revenues ($ Mil)8246-43.3%
P/S Multiple3.07.8161.2%
Shares Outstanding (Mil)711-29.4%
Cumulative Contribution4.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
AVBH4.6% 
Market (SPY)-1.9%26.1%
Sector (XLF)1.0%41.6%

Fundamental Drivers

The 15.0% change in AVBH stock from 4/30/2026 to 11/5/2026 was primarily driven by a 49.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)430202611052026Change
Stock Price ($)29.6434.1015.0%
Change Contribution By: 
Total Revenues ($ Mil)314649.6%
P/S Multiple10.17.8-22.8%
Shares Outstanding (Mil)1111-0.4%
Cumulative Contribution15.0%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
AVBH15.0% 
Market (SPY)2.3%17.8%
Sector (XLF)10.7%38.6%

Fundamental Drivers

The 30.5% change in AVBH stock from 10/31/2025 to 11/5/2026 was primarily driven by a 90.4% change in the company's Total Revenues ($ Mil).
(LTM values as of)1031202511052026Change
Stock Price ($)26.1334.1030.5%
Change Contribution By: 
Total Revenues ($ Mil)244690.4%
P/S Multiple8.07.8-2.1%
Shares Outstanding (Mil)711-30.0%
Cumulative Contribution30.5%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
AVBH30.5% 
Market (SPY)8.4%28.3%
Sector (XLF)11.1%38.7%

Fundamental Drivers

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Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
AVBH63.7% 
Market (SPY)81.3%27.0%
Sector (XLF)85.5%35.4%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
AVBH Return43%-18%3%2%22%28%95%
Peers Return92%-20%21%14%24%9%184%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
AVBH Win Rate83%33%50%42%75%45% 
Peers Win Rate68%40%55%62%63%55% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
AVBH Max Drawdown-8%-26%-37%-14%-25%-13% 
Peers Max Drawdown-20%-35%-43%-25%-24%-19% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: BANC, CUBI, FSBC, BMRC, HTGC.
[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] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventAVBHS&P 500
2025 US Tariff Shock
  % Loss-15.6%-18.8%
  % Gain to Breakeven18.4%23.1%
  Time to Breakeven43 days79 days
2023 SVB Regional Banking Crisis
  % Loss-35.8%-6.7%
  % Gain to Breakeven55.8%7.1%
  Time to Breakeven105 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.5%-24.5%
  % Gain to Breakeven27.4%32.4%
  Time to Breakeven965 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven633 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-17.5%-19.2%
  % Gain to Breakeven21.2%23.8%
  Time to Breakeven1089 days105 days

Compare to BANC, CUBI, FSBC, BMRC, HTGC

In The Past

Avidbank's stock fell -15.6% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventAVBHS&P 500
2023 SVB Regional Banking Crisis
  % Loss-35.8%-6.7%
  % Gain to Breakeven55.8%7.1%
  Time to Breakeven105 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.5%-24.5%
  % Gain to Breakeven27.4%32.4%
  Time to Breakeven965 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven633 days140 days

Compare to BANC, CUBI, FSBC, BMRC, HTGC

In The Past

Avidbank's stock fell -15.6% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Avidbank (AVBH)

Avidbank Holdings, Inc. (AVBH) operates as a bank holding company, primarily serving the financial needs of small and middle-market businesses, professionals, and individuals. Through its subsidiary, Avidbank, the company offers a comprehensive suite of banking products and services. Its operations are concentrated in the economically vibrant Santa Clara, San Mateo, and San Francisco counties in California, catering to a sophisticated client base in the Bay Area.

The company's core business involves both deposit and lending services. On the deposit side, Avidbank provides standard business and personal accounts, including checking, money market, savings, and certificates of deposit. Its lending portfolio is diverse, featuring personal loans such as home equity and new home construction financing, corporate banking solutions like working capital lines and equipment loans, and a significant focus on commercial real estate lending, including permanent loans, bridge financing, and various construction loans.

Furthermore, Avidbank distinguishes itself by offering specialized financing solutions for businesses, such as structured finance, venture lending, asset-based lending, and sponsor finance. These are complemented by a full range of modern banking services, including robust cash management tools, remote deposit capture, online and mobile banking, and various payment and collection services, providing its clients with a holistic banking experience.

AI Analysis | Feedback

Here are 1-3 brief analogies to describe Avidbank (AVBH):

  • M&T Bank for Bay Area businesses and real estate.
  • A localized Wells Fargo, dedicated to small-to-mid-sized businesses and real estate in the Bay Area.
  • A boutique version of Chase Business Banking, tailored for Silicon Valley's growing companies and real estate projects.

AI Analysis | Feedback

  • Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit products for personal and business use.
  • Personal Lending: Provides secured and unsecured lines of credit, home equity loans, and residential construction/remodel loans to individuals.
  • Corporate Banking & Lending: Extends financing to small and middle-market businesses for working capital, equipment, acquisitions, and owner-occupied real estate.
  • Commercial Real Estate Lending: Funds commercial properties with permanent loans and bridge financing.
  • Construction Lending: Specializes in financing land acquisition, pre-development, and construction of residential and commercial projects.
  • Specialized Financing Solutions: Delivers tailored financial solutions such as structured finance, venture lending, asset-based lending, and sponsor finance.
  • Treasury & Digital Banking Services: Provides comprehensive cash management tools, payment services, and convenient online/mobile banking options.

AI Analysis | Feedback

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Avidbank (AVBH) primarily sells financial products and services to a diverse customer base rather than a few major named companies. Based on the provided description, its customers can be categorized as:

  • Small and middle-market businesses: The bank offers a range of corporate banking products (e.g., working capital lines of credit, equipment loans, acquisition financing, ESOP loans, owner-occupied real estate loans) and various financing solutions (e.g., structured finance, venture lending, asset-based lending, sponsor finance) tailored for these entities.
  • Professionals: Avidbank provides specific financial products and services catering to professionals, which may include personal lending products or specialized business solutions for professional practices.
  • Individuals: The company offers personal deposit products (checking, money market, savings accounts, CDs) and personal lending products (secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans) to individuals.
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Mark D. Mordell Chairman & Chief Executive Officer

Mark D. Mordell was appointed Chief Executive Officer in March 2012, having joined the board in January 2006 and becoming Chairman in February 2007. He brings over 30 years of experience in financial services, real estate, and diverse business ventures. In 1991, Mr. Mordell founded California Bavarian Corporation and its successor, CBC Properties, LLC, a full-service real estate investment and management organization based in Palo Alto. He also serves on the advisory board of MMM Management, Inc., which advises a San Francisco-based family office.

Patrick Oakes Executive Vice President & Chief Financial Officer

Patrick Oakes joined Avidbank with a background in optimizing financial performance and maximizing growth. Before Avidbank, he was Executive Vice President, Chief Financial Officer, and Secretary at Atlantic Capital Bank. His previous roles include Executive Vice President and Chief Financial Officer at Square 1 Financial Inc., and prior to that, he held the same leadership positions at Encore Bancshares, Inc. For ten years, he served as Senior Vice President and Treasurer at Sterling Bank. Mr. Oakes is a Chartered Financial Analyst.

Gina T. Peterson Executive Vice President & Chief Operating Officer

Gina T. Peterson possesses over 25 years of experience across bank operations, finance, and risk management. She joined Avidbank from MUFG Union Bank, where she held senior-level positions for 8 years, concluding as Director, Head of Issues Management. Previously, Ms. Peterson held senior positions for 12 years at PricewaterhouseCoopers ("PwC") in San Francisco, specializing in process, systems, and controls assurance.

Victor DeMarco Executive Vice President, Chief Legal Officer & Head of Advisory Services

Victor DeMarco serves as Executive Vice President, Chief Legal Officer, and Head of Advisory Services for Avidbank. He also signs on behalf of Avidbank Holdings, Inc. in his capacity as Executive Vice President and Chief Legal Officer.

Lisa Foussianes Executive Vice President & Chief Credit Officer

Lisa Foussianes holds the position of Executive Vice President and Chief Credit Officer at Avidbank.

AI Analysis | Feedback

Key Risks to Avidbank Holdings, Inc. (AVBH)

Avidbank Holdings, Inc., operating as a bank holding company for Avidbank in Santa Clara, San Mateo, and San Francisco counties, faces several key risks inherent to the banking sector, particularly for regional institutions in California.

  1. Commercial Real Estate (CRE) Exposure and Credit Risk: California regional banks, including Avidbank, are noted for their significant exposure to commercial real estate (CRE) loans. This sector is currently under pressure from rising interest rates, increasing vacancies, and declining property values, which elevates the risk of loan defaults and potential losses for the bank. Avidbank's lending portfolio includes corporate banking with owner-occupied real estate loans and commercial real estate lending products.
  2. Interest Rate Risk and Net Interest Margin (NIM) Compression: Community banks, like Avidbank, heavily rely on net interest income, which is the difference between interest earned on assets and interest paid on liabilities. Fluctuations in interest rates can significantly impact this income. Rising funding costs, such as interest paid on deposits, can outpace the yields generated from loans, leading to a compression of the net interest margin and impacting overall profitability. The prolonged inverted yield curve has also created challenges for banks.
  3. Liquidity Risk and Uninsured Deposits: Community banks are susceptible to liquidity risk, which is the possibility of not being able to meet cash obligations due to reliance on local deposits and potentially limited access to diverse funding sources. The banking crisis of March 2023 highlighted the vulnerability of banks with a high proportion of uninsured deposits. While Avidbank has actively worked to reduce its percentage of uninsured deposits, as of November 2023, it was noted that 35% of deposits were still uninsured, which was higher than an analyst's preferred threshold of 30%.

AI Analysis | Feedback

The rise of digital-native banks (neobanks) and specialized financial technology (fintech) companies presents a clear emerging threat. These entities leverage technology to offer financial products and services such as deposit accounts, various forms of lending (including venture lending and asset-based lending), and payment processing with often lower overheads, superior digital user experiences, and faster processing times. They directly compete with Avidbank's offerings to individuals, small and middle-market businesses, and professionals, particularly within the tech-savvy Bay Area, by providing alternative, digitally-centric banking solutions that can bypass traditional branch-based models.

AI Analysis | Feedback

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AI Analysis | Feedback

Here are 3-5 expected drivers of future revenue growth for Avidbank (AVBH) over the next 2-3 years:
  1. Sustained Loan and Deposit Growth: Avidbank is targeting continued double-digit loan and deposit growth, with specific projections of 10-15% loan growth for 2026. This growth is expected to be driven by performance across various divisions, including corporate banking, venture lending, and sponsor finance, all of which contribute to an expanded loan portfolio and increased lending activity.
  2. Net Interest Margin Expansion and Optimization: The company has demonstrated an expansion of its Net Interest Margin (NIM), reaching 4.13% in the fourth quarter of 2025, up from 3.90% in the third quarter of 2025, and expects it to stabilize around 4.25% in 2026. This improvement in NIM is attributed to strong loan and deposit growth, the full impact of its initial public offering (IPO), and the strategic repositioning of its investment portfolio to include higher-yielding securities.
  3. Strategic Focus on High-Growth Lending Verticals: Avidbank's specialized approach to commercial & industrial lending, venture lending, structured finance, asset-based lending, sponsor finance, fund finance, and real estate construction and commercial real estate lending is a key revenue driver. Specifically, strong contributions from the sponsor finance and corporate banking teams have led recent loan growth, indicating continued focus and expected expansion in these profitable segments.

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Share Issuance

  • Avidbank Holdings, Inc. completed an uplisting to the Nasdaq Global Select Market with an initial public offering (IPO) in August 2025.
  • The company initially offered 2,610,000 shares at a price of $23.00 per share, generating approximately $60 million in gross proceeds.
  • Ultimately, Avidbank Holdings issued 3,001,500 shares of common stock at $23.00 per share, resulting in net proceeds of $61.3 million.
  • The net proceeds from this offering are designated to enhance the Bank's capital to support organic growth, expand market share and lending operations, bolster regulatory capital, and for general corporate purposes.

Capital Expenditures

  • Specific dollar values for capital expenditures over the last 3-5 years for Avidbank Holdings, Inc. are not explicitly detailed in the available information.
  • The company operates with an efficient footprint, including one full-service branch and two loan production offices in California, implying ongoing, though unspecified, capital expenditures related to these physical locations.

Peer Outperformance in Regional Banks

AVBH has trailed 54% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that AVBH has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
52%
of 281 industry peers · 31.2% return
3Y
28%
of 273 industry peers · 63.7% return
5Y
46%
of 262 industry peers · 42.1% return
No Regional Banks peer with a comparable growth profile has beaten AVBH by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is AVBH's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1Can Avidbank Stock Hold Up When Markets Turn?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

AVBHBANCCUBIFSBCBMRCHTGCMedian
NameAvidbank Banc of .Customer.Five Sta.Bank of .Hercules. 
Mkt Price34.2017.9584.4343.8228.5716.5531.39
Mkt Cap0.42.82.90.90.53.11.9
Rev LTM4686390617761458318
Op Inc LTM-------
FCF LTM523642298038-15466
FCF 3Y Avg-2021725931-17159
CFO LTM523883818239-15467
CFO 3Y Avg-2182676032-17060

Growth & Margins

AVBHBANCCUBIFSBCBMRCHTGCMedian
NameAvidbank Banc of .Customer.Five Sta.Bank of .Hercules. 
Rev Chg LTM-44.8%-14.0%38.3%26.8%-32.3%13.3%-0.4%
Rev Chg 3Y Avg212.6%15.9%16.2%14.7%-13.6%7.4%15.3%
Rev Chg Q36.2%-96.5%10.6%25.7%266.3%-19.8%18.2%
QoQ Delta Rev Chg LTM20.6%-23.0%2.4%5.8%68.3%-5.9%4.1%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM113.4%45.0%42.0%46.4%64.9%-33.6%45.7%
CFO/Rev 3Y Avg-26.6%35.3%40.5%45.9%-40.7%35.3%
FCF/Rev LTM113.3%42.2%25.3%45.6%63.2%-33.6%43.9%
FCF/Rev 3Y Avg-24.0%23.3%39.9%44.6%-40.8%24.0%

Valuation

AVBHBANCCUBIFSBCBMRCHTGCMedian
NameAvidbank Banc of .Customer.Five Sta.Bank of .Hercules. 
Mkt Cap0.42.82.90.90.53.11.9
P/S7.83.23.15.37.56.76.0
P/Op Inc-------
P/EBIT-------
P/E-25.7-125.09.812.9-32.08.6-8.5
P/CFO6.97.27.511.411.6-20.07.3
Total Yield-3.9%1.6%10.2%9.8%0.4%22.9%5.7%
Dividend Yield0.0%2.4%0.0%2.1%3.5%11.1%2.3%
FCF Yield 3Y Avg-7.6%7.4%7.8%7.9%-5.1%7.6%
D/E0.11.10.80.10.10.80.5
Net D/E-1.00.1-0.9-0.7-0.50.8-0.6

Returns

AVBHBANCCUBIFSBCBMRCHTGCMedian
NameAvidbank Banc of .Customer.Five Sta.Bank of .Hercules. 
1M Rtn8.8%3.0%12.6%1.7%5.2%-0.1%4.1%
3M Rtn4.9%-4.9%2.9%-5.1%0.3%-0.2%0.0%
6M Rtn14.3%-5.2%8.4%7.4%11.5%6.9%7.9%
12M Rtn31.6%7.9%24.9%28.2%13.5%2.8%19.2%
3Y Rtn64.2%57.9%90.8%133.8%74.6%42.5%69.4%
1M Excs Rtn11.2%6.0%15.3%5.5%8.7%2.6%7.4%
3M Excs Rtn5.8%-2.6%3.8%-3.5%2.5%-0.5%1.0%
6M Excs Rtn9.5%-10.0%3.6%2.6%6.7%2.1%3.1%
12M Excs Rtn17.8%-3.7%12.6%16.6%1.2%-10.3%6.9%
3Y Excs Rtn-19.4%-9.7%26.5%64.7%13.5%-36.3%1.9%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil202520242023
Banking318171
Total318171


Assets by Segment
$ Mil2025
Banking2,570
Total2,570


Price Behavior

Price Behavior
Market Price$34.10 
Market Cap ($ Bil)0.4 
First Trading Date07/23/2012 
Distance from 52W High-2.4% 
   50 Days200 Days
DMA Price$31.80$30.77
DMA Trendindeterminateup
Distance from DMA7.2%10.8%
 3M1YR
Volatility17.0%18.2%
Downside Capture0.8023.15
Upside Capture43.4854.23
Correlation (S&P 500)11.2%25.0%
AVBH Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta0.180.270.180.130.370.30
Up Beta-0.50-0.84-0.03-0.090.490.34
Down Beta-0.160.05-0.09-0.200.090.37
Up Capture126%80%39%40%46%9%
Bmk +ve Days12182862130427
Stock +ve Days13243369130290
Down Capture-34%9%18%16%34%35%
Bmk -ve Days10253664121325
Stock -ve Days8172751114274

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with AVBH
AVBH31.1%18.2%1.33-
Sector ETF (XLF)11.1%15.2%0.4739.0%
Equity (SPY)9.5%13.6%0.4128.0%
Gold (GLD)3.6%28.7%0.11-4.1%
Commodities (DBC)37.7%21.2%1.40-34.1%
Real Estate (VNQ)12.0%14.2%0.5532.4%
Bitcoin (BTCUSD)-20.8%43.3%-0.420.6%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with AVBH
AVBH9.0%28.7%0.53-
Sector ETF (XLF)9.1%18.4%0.3635.5%
Equity (SPY)11.3%17.3%0.4826.7%
Gold (GLD)17.5%19.1%0.74-3.6%
Commodities (DBC)8.0%19.6%0.29-2.1%
Real Estate (VNQ)1.2%18.9%-0.0525.3%
Bitcoin (BTCUSD)5.9%51.5%0.29-0.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with AVBH
AVBH10.9%28.8%0.78-
Sector ETF (XLF)13.3%22.1%0.5431.7%
Equity (SPY)14.9%18.0%0.7025.4%
Gold (GLD)12.0%16.5%0.59-1.8%
Commodities (DBC)7.6%18.1%0.334.1%
Real Estate (VNQ)5.7%20.7%0.2323.5%
Bitcoin (BTCUSD)61.3%66.2%1.011.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.3 Mil
Short Interest: % Change Since 9302026-6.0%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest6.3 days
Basic Shares Quantity10.6 Mil
Short % of Basic Shares3.0%

Earnings Returns History

Updated 11/4/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/26/20263.9%10.7% 
7/23/20260.0%3.1%0.7%
4/27/2026-0.0%-3.8%1.0%
1/29/20265.5%9.6%5.0%
10/23/20251.9%0.5%-4.2%
8/25/20250.3%2.7%3.5%
SUMMARY STATS   
# Positive554
# Negative111
Median Positive1.9%3.1%2.3%
Median Negative-0.0%-3.8%-4.2%
Max Positive5.5%10.7%5.0%
Max Negative-0.0%-3.8%-4.2%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/26/20263.9%10.7% 
7/23/20260.0%3.1%0.7%
4/27/2026-0.0%-3.8%1.0%
1/29/20265.5%9.6%5.0%
10/23/20251.9%0.5%-4.2%
8/25/20250.3%2.7%3.5%
SUMMARY STATS   
# Positive554
# Negative111
Median Positive1.9%3.1%2.3%
Median Negative-0.0%-3.8%-4.2%
Max Positive5.5%10.7%5.0%
Max Negative-0.0%-3.8%-4.2%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/12/202610-Q
03/31/202605/13/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202509/18/202510-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/12/202610-Q
03/31/202605/13/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202509/18/202510-Q

Insider Activity

Updated 10/6/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Rosinus, Mike DirectSell909202631.451,50047,175524,586Form
2Wasson, ArthurEVP, Chief Revenue OfficerDirectSell814202633.1410,000331,400346,346Form
3Rosinus, Mike See Footnote 1Sell317202627.4156,8821,559,1362,193Form
4Rosinus, Mike See Footnote 1Sell316202627.497,953218,6281,565,885Form
5Rosinus, Mike See Footnote 1Sell316202628.2819,318546,3131,835,796Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Rosinus, Mike DirectSell909202631.451,50047,175524,586Form
2Wasson, ArthurEVP, Chief Revenue OfficerDirectSell814202633.1410,000331,400346,346Form
3Rosinus, Mike See Footnote 1Sell317202627.4156,8821,559,1362,193Form
4Rosinus, Mike See Footnote 1Sell316202627.497,953218,6281,565,885Form
5Rosinus, Mike See Footnote 1Sell316202628.2819,318546,3131,835,796Form
6Rosinus, Mike See Footnote 1Sell309202628.0915,847445,1422,366,105Form
7Rosinus, Mike See Footnote 1Sell309202628.109,659271,4182,812,248Form
8Rosinus, Mike See Footnote 1Sell305202629.0516,175469,8843,187,918Form
9Rosinus, Mike See Footnote 1Sell302202629.551,00029,5503,794,604Form
10Rosinus, Mike See Footnote 1Sell227202630.003,434103,0203,882,390Form
11Rosinus, Mike See Footnote 1Sell227202629.9019,411580,3893,972,125Form
12Rosinus, Mike See Footnote 1Sell225202630.165,000150,8004,742,901Form
13Rosinus, Mike See Footnote 1Sell223202630.165,000150,8004,893,701Form
14Rosinus, Mike See Footnote 1Sell220202629.574,262126,0274,945,819Form
15Rosinus, Mike See Footnote 1Sell217202630.175,076153,1535,525,157Form
16Rosinus, Mike See Footnote 1Sell217202630.074,051121,8145,659,114Form
17Rosinus, Mike See Footnote 1Sell212202630.731,68851,8655,939,647Form

Investor Activity (13F)

Updated Nov 6, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$30.0 Mil7.7%12Hold13F
Endeavour Capital Advisors Inc$20.2 Mil4.6%42Hold13F
Active Manager
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$30.0 Mil7.7%12Hold13F
Endeavour Capital Advisors Inc$20.2 Mil4.6%42Hold13F
Core Cache Last Updated: 11/5/2026