Avidia Bancorp, Inc.
AVBC NYSE Savings Institutions, Not Federally Chartered Financials FY2024–FY2025
What Avidia Bancorp, Inc. does
No business description yet.
- Legal name
- Avidia Bancorp, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Accession · CIK
- 0001193125-26-129221
0002058758
Revenue and margins
Avidia Bancorp, Inc. had $104M of revenue in fiscal 2025, up 14.7% on the year before.
Net income and earnings per share
Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Avidia Bancorp, Inc. returned — to shareholders in fiscal 2025. The diluted share count rose 0.0%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Loans, net | $2.2B | $2.3B |
| Deposits | $2.1B | $2.1B |
| Loans / deposits | 105.3% | 107.0% |
| Total assets | $2.7B | $2.8B |
| Shareholders' equity | $194M | $379M |
| Goodwill | $11.9M | $11.9M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $90.3M | $104M |
| Net interest income | $73.3M | $86.5M |
| Noninterest income | $17.0M | $17.0M |
| Noninterest expense | $73.1M | $87.8M |
| Pretax income | $15.4M | −$5.7M |
| Income tax | $3.9M | −$2.4M |
| Net income | $11.5M | −$3.3M |
| Diluted EPS | — | −$0.18 |
| Diluted shares | — | 0.02B |
| Cash flow | ||
| Cash from operations | $23.2M | $28.4M |
| Capital expenditure | $2.8M | $4.3M |
| Free cash flow | $20.4M | $24.1M |
| Depreciation and amortization | $2.6M | $2.6M |
| Balance sheet | ||
| Finance lease liabilities | — | $0.4M |
| Loans, net | $2.2B | $2.3B |
| Deposits | $2.1B | $2.1B |
| Property and equipment, net | $28.5M | $29.2M |
| Goodwill | $11.9M | $11.9M |
| Total assets | $2.7B | $2.8B |
| Total liabilities | $2.5B | $2.5B |
| Shareholders' equity | $194M | $379M |
| Margins | ||
| Net margin | 12.7% | −3.2% |
| FCF margin | 22.7% | 23.3% |
| Net interest share of revenue | 81.1% | 83.6% |
| Efficiency ratio | 81.0% | 84.8% |
| Returns | ||
| Return on equity | 5.9% | −1.1% |
| Return on assets | 0.4% | −0.1% |
| Return on tangible equity | 6.3% | −0.9% |
| Growth | ||
| Revenue growth | — | 14.7% |
| Net income growth | — | −128.6% |
| FCF growth | — | 17.8% |
| Financial health | ||
| Loans / deposits | 105.3% | 107.0% |
| Capital allocation | ||
| Capex / revenue | 3.1% | 4.1% |
| Quality scores | ||
| Accruals ratio | −0.4% | −1.2% |
Source: SEC EDGAR XBRL filings (CIK 0002058758). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.