Avidbank Holdings, Inc.
AVBH Nasdaq State Commercial Banks Financials FY2024–FY2025
What Avidbank Holdings, Inc. does
No business description yet.
- Legal name
- Avidbank Holdings, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Accession · CIK
- 0001437749-26-008852
0001443575
Revenue and margins
Avidbank Holdings, Inc. had $30.9M of revenue in fiscal 2025, down 61.9% 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
Avidbank Holdings, Inc. returned — to shareholders in fiscal 2025. The diluted share count rose 14.4%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Loans, net | $1.8B | $2.1B |
| Deposits | $1.9B | $2.2B |
| Loans / deposits | 97.6% | 97.3% |
| Total assets | $2.3B | $2.6B |
| Shareholders' equity | $186M | $281M |
| Provision / loans | 0.2% | 0.2% |
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 | $81.2M | $30.9M |
| Net interest income | $75.2M | $87.3M |
| Noninterest income | $6.0M | −$56.4M |
| Noninterest expense | $47.3M | $52.8M |
| Provision for credit losses | $4.1M | $5.1M |
| Pretax income | $29.8M | −$27.0M |
| Income tax | $8.8M | −$7.4M |
| Net income | $21.0M | −$19.6M |
| Diluted EPS | $2.76 | −$2.25 |
| Diluted shares | 0.01B | 0.01B |
| Cash flow | ||
| Cash from operations | $22.7M | $39.0M |
| Capital expenditure | $0.0M | $0.1M |
| Free cash flow | $22.6M | $38.9M |
| Depreciation and amortization | $1.6M | $1.1M |
| Stock-based compensation | $3.2M | $3.2M |
| Balance sheet | ||
| Cash and short-term investments | $82.7M | $155M |
| Total debt | $185M | $60.0M |
| Loans, net | $1.8B | $2.1B |
| Deposits | $1.9B | $2.2B |
| Property and equipment, net | $2.3M | $1.5M |
| Total assets | $2.3B | $2.6B |
| Total liabilities | $2.1B | $2.3B |
| Preferred stock | $0.0M | $0.0M |
| Shareholders' equity | $186M | $281M |
| Margins | ||
| Net margin | 25.9% | −63.2% |
| FCF margin | 27.9% | 125.9% |
| Net interest share of revenue | 92.6% | 282.3% |
| Efficiency ratio | 58.3% | 170.7% |
| Returns | ||
| Return on equity | 11.3% | −8.4% |
| Return on assets | 0.9% | −0.8% |
| Return on tangible equity | 11.3% | −7.0% |
| Growth | ||
| Revenue growth | — | −61.9% |
| Net income growth | — | −193.0% |
| EPS growth | — | −181.5% |
| FCF growth | — | 72.0% |
| Share count change | — | 14.4% |
| Financial health | ||
| Debt / equity | 1.0x | 0.2x |
| Loans / deposits | 97.6% | 97.3% |
| Provision / loans | 0.2% | 0.2% |
| Capital allocation | ||
| Capex / revenue | 0.1% | 0.3% |
| Stock comp / revenue | 4.0% | 10.3% |
| Quality scores | ||
| Piotroski F-score | — | 3.0 |
| Accruals ratio | −0.1% | −2.4% |
Source: SEC EDGAR XBRL filings (CIK 0001443575). 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.