1.Sales and profit
See section →- Avidbank Holdings, Inc. had $30.9M of revenue in fiscal 2025, down 61.9% on the year before.
- Avidbank Holdings, Inc. lost $19.6M in fiscal 2025.
Avidbank Holdings, Inc.
AVBH Nasdaq State Commercial Banks Financials FY2024–FY2025
Avidbank Holdings, Inc. had $30.9M of revenue in fiscal 2025, down 61.9% on the year before.
Last close · Oct 23, 2026
$31.70
0.4%KIRA’s summary AI analyst
Hi! I read Avidbank Holdings, Inc.’s latest annual report (fiscal 2025). Here is what stands out:
3 to watch
2.Cash and shareholders
See section →- In the last 12 months, insiders sold $5.8M of shares on the open market and bought none.
3.Financial health
See section →- It earned −8.4% on shareholders’ money. Running costs took 170.7% of revenue (the efficiency ratio; lower is better).
Avidbank Holdings, Inc. in 30 seconds
Good So-so Weak
Weak
Are sales growing?
−61.9%
No. Sales fell 61.9% last year.
Weak
Does it make a profit?
−63.2%
No. It lost money last year.
Weak
How lean are its costs?
170.7%
Costly. Running costs take 170.7% of revenue.
Weak
How much does it earn on its capital?
−8.4%
Low. It earns −8.4% a year on shareholders’ money.
For information
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$342M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On −$2.16 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Revenue and margins
KIRA · Avidbank Holdings, Inc. had $30.9M of revenue in fiscal 2025, down 61.9% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY24
Revenue $81.2M
FY25
Revenue $30.9M
Revenue
Q2 '24
Revenue $1.1M
Q3 '24
Revenue $1.8M
Q4 '24
Revenue $21.0M
Q1 '25
Revenue $0.0M
Q2 '25
Revenue $1.5M
Q3 '25
Revenue −$60.9M
Q4 '25
Revenue $26.8M
Q1 '26
Revenue $0.1M
Q2 '26
Revenue $29.7M
Net interest income share and efficiency ratio
FY24
Net interest share 92.6%
Efficiency ratio 58.3%
FY25
Net interest share 282.3%
Efficiency ratio 170.7%
Net interest share
Efficiency ratio
Net interest income share and efficiency ratio
Q2 '24
Net interest share 1,687.2%
Efficiency ratio 1,070.9%
Q3 '24
Net interest share 1,039.8%
Efficiency ratio 675.8%
Q4 '24
Net interest share 91.3%
Efficiency ratio 52.5%
Q1 '25
Net interest share 42,069.6%
Efficiency ratio 27,917.4%
Q2 '25
Net interest share 1,319.2%
Efficiency ratio 819.8%
Q3 '25
Net interest share −37.2%
Efficiency ratio −22.2%
Q4 '25
Net interest share 93.4%
Efficiency ratio 51.7%
Q1 '26
Net interest share 26,237.6%
Efficiency ratio 13,942.6%
Q2 '26
Net interest share 89.7%
Efficiency ratio 55.4%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · Avidbank Holdings, Inc. lost $19.6M in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY24
Net income $21.0M
FY25
Net income −$19.6M
Net income
Q2 '24
Net income $3.5M
Q3 '24
Net income $5.8M
Q4 '24
Net income $6.5M
Q1 '25
Net income $5.4M
Q2 '25
Net income $5.8M
Q3 '25
Net income −$37.7M
Q4 '25
Net income $6.9M
Q1 '26
Net income $9.0M
Q2 '26
Net income $7.6M
Diluted EPS
FY24
Diluted EPS $2.76
FY25
Diluted EPS −$2.25
Diluted EPS
Q2 '24
Diluted EPS $0.46
Q3 '24
Diluted EPS $0.77
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS $0.71
Q2 '25
Diluted EPS $0.75
Q3 '25
Diluted EPS −$4.12
Q4 '25
Diluted EPS $0.41
Q1 '26
Diluted EPS $0.84
Q2 '26
Diluted EPS $0.71
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Dividends and buybacks
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks $0.0M
Q2 '25
Dividends —
Buybacks $0.0M
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks $0.7M
Q2 '26
Dividends —
Buybacks $0.0M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Insider trades
KIRA · In the last 12 months, insiders sold $5.8M of shares on the open market and bought none.
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.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$5.8M
2 insiders
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 9, 2026 | Mike RosinusDirector | Sold | 1,500 | $31.45 | $0.0M | Form 4 |
| Aug 14, 2026 | Arthur WassonEVP, Chief Revenue Officer | Sold | 10,000 | $33.14 | $0.3M | Form 4 |
| Mar 16, 2026 | Mike RosinusDirector | Sold | 56,882 | $27.41 | $1.6M | Form 4 |
| Mar 13, 2026 | Mike RosinusDirector | Sold | 7,953 | $27.49 | $0.2M | Form 4 |
| Mar 10, 2026 | Mike RosinusDirector | Sold | 19,318 | $28.28 | $0.5M | Form 4 |
| Mar 9, 2026 | Mike RosinusDirector | Sold | 15,847 | $28.09 | $0.4M | Form 4 |
| Mar 6, 2026 | Mike RosinusDirector | Sold | 9,659 | $28.10 | $0.3M | Form 4 |
| Mar 4, 2026 | Mike RosinusDirector | Sold | 16,175 | $29.05 | $0.5M | Form 4 |
| Mar 2, 2026 | Mike RosinusDirector | Sold | 2,499 | $29.01 | $0.1M | Form 4 |
| Feb 27, 2026 | Mike RosinusDirector | Sold | 1,000 | $29.55 | $0.0M | Form 4 |
| Feb 26, 2026 | Mike RosinusDirector | Sold | 3,434 | $30.00 | $0.1M | Form 4 |
| Feb 25, 2026 | Mike RosinusDirector | Sold | 19,411 | $29.90 | $0.6M | Form 4 |
| Feb 23, 2026 | Mike RosinusDirector | Sold | 5,000 | $30.16 | $0.2M | Form 4 |
| Feb 20, 2026 | Mike RosinusDirector | Sold | 5,000 | $30.16 | $0.2M | Form 4 |
| Feb 19, 2026 | Mike RosinusDirector | Sold | 4,262 | $29.57 | $0.1M | Form 4 |
| Feb 18, 2026 | Mike RosinusDirector | Sold | 11,602 | $30.22 | $0.4M | Form 4 |
| Feb 17, 2026 | Mike RosinusDirector | Sold | 5,076 | $30.17 | $0.2M | Form 4 |
| Feb 13, 2026 | Mike RosinusDirector | Sold | 4,051 | $30.07 | $0.1M | Form 4 |
| Feb 11, 2026 | Mike RosinusDirector | Sold | 1,063 | $30.45 | $0.0M | Form 4 |
| Feb 10, 2026 | Mike RosinusDirector | Sold | 1,688 | $30.73 | $0.1M | Form 4 |
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
FY24
Loans $1.8B
Deposits $1.9B
FY25
Loans $2.1B
Deposits $2.2B
Loans
Deposits
| 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% |
Returns and efficiency
KIRA · It earned −8.4% on shareholders’ money. Running costs took 170.7% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
FY24
ROE 11.3%
ROTE 11.3%
Efficiency ratio 58.3%
FY25
ROE −8.4%
ROTE −7.0%
Efficiency ratio 170.7%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
2 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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.