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← CockpitCompetitor Analysis › AVBC Avidia Bancorp, Inc.Open in the cockpit ↗

Avidia Bancorp, Inc.AVBCCompetitor analysis, valuation and peers

United States · USD·Financials›Savings Banks
Momentum strong 70
Mkt cap
$448M
US dollars, full cap
Free float
85%
of shares outstanding
$/day
$2.52M
20-day average traded
P/B
1.18×
price to book
ROE
7.3%
delivered
Implied ROE
7.0%
what the price asks
Next earnings
90 days
4 Feb 2027
Close · USD$22.42
1D-0.8%
1W-4.6%
1M+1.8%
3M+5.3%
6M+10.9%
YTD+33.4%
1Y+49.5%
ATR %2.3%
Beta0.33
52w lowhigh6.6% off high

What Avidia Bancorp does

Employees: 241

Avidia Bancorp at a glance

Size Avidia Bancorp (AVBC) is a United States Financials company (Savings Banks) with a market value of $448M, the 2777th largest of 3,117 United States companies the cockpit tracks. Shares closed at $22.42 on 6 Nov 2026.

Performance Over six months the shares gained 10.9%, against +5.6% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 15 in its peer set.

Growth Revenue grew 4.9% over the last twelve months (peer median +4.9%); the operating margin is 31.7% (peer median 44.6%).

Valuation It trades at 1.18× book value against a peer median of 1.20× (8th cheapest of 15).

Price implies The share price implies a return on equity of about 7.0%; Avidia Bancorp delivers 7.3%, so the price asks less than the business earns today.

Short interest Short interest is 2.6% of the free float (15 Oct 2026).

Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026AVBC 116Peer median 109
Six months, rebased to 100: Avidia Bancorp against the median of its 15 peers (local-currency closes).

Avidia Bancorp financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023
Revenue$155M$148M$141M$129M
Revenue growth—+5%+10%—
Net income$27.1M-$3.29M$11.5M$12.4M
Free cash flown/a$23.4M$20.7M$12.2M
Capital expendituren/a$4.29M$2.79M$8.12M
Total debt$138M$294M$359M$435M

Quarterly statements and history in the cockpit →

Avidia Bancorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%+40%-5%0%+5%HELGPDLBTSBKKRNYFSBWMORGSOAGGCBCTCBXHIFSSMBCTRSTCFFNTFINAVBC6-month return →1-month return →
Up and to the right = strong over both horizons. Avidia Bancorp is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×20×HELGPDLBTSBKKRNYFSBWMORGSOAGGCBCTCBXHIFSTRSTCFFNTFINAVBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Avidia Bancorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%HELGPDLBTSBKKRNYFSBWMORGSOAGGCBCTCBXHIFSSMBCTRSTCFFNTFINAVBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Avidia Bancorp is the large dot.

Avidia Bancorp competitors and peer comparison

How Avidia Bancorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Avidia Bancorp against its 15 peers (data as of 6 Nov 2026)
MeasureAVBCPeer medianRank in peer set
1-month return+1.8%+1.7%8th highest of 16
6-month return+10.9%+5.6%5th highest of 15
Return on equity7.3%10.8%4th lowest of 15
Price / book1.18×1.20×8th cheapest of 15
Trailing P/E15.3×11.8×3rd most expensive of 15
ROE the price implies7.0%8.4%5th least demanding of 15
ROE delivered7.3%10.8%4th lowest of 15

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Avidia Bancorp AVBCUnited States$448M+11%+5%7%1.18×7.0%7.3%
SpareBank 1 Helgeland HELG.OLNorway$507M+4%-4%7%0.92×5.6%6.7%
Ponce Financial PDLBUnited States$525M+22%+15%8%1.49×9.7%8.2%
Timberland Bancorp TSBKUnited States$373M+17%+4%12%1.35×7.7%11.6%
Kearny Financial KRNYUnited States$585M+10%+1%5%0.77×6.8%4.9%
FS Bancorp FSBWUnited States$343M+6%+6%9%1.01×8.4%9.1%
Sparebanken More MORG.OLNorway$604M-2%-15%12%0.65×4.9%11.6%
SpareBank 1 Ostfold Akershus SOAG.OLNorway$609M-4%+2%12%1.14×6.2%12.1%
Greene County Bancorp GCBCUnited States$615M+51%+8%17%2.15×12.5%16.7%
Third Coast Bancshares TCBXUnited States$646M+1%+18%13%0.96×7.9%12.7%
Hingham Institution for Savings HIFSUnited States$647M+5%+3%13%1.26×10.6%12.6%
Southern Missouri Bancorp SMBCUnited States$775M+2%+3%13%1.29×10.5%12.9%
TrustCo Bank Corp NY TRSTUnited States$947M+17%+6%10%1.50×10.7%10.0%
Capitol Federal Financial CFFNUnited States$1.06B+7%+6%8%1.04×8.4%8.4%
American Savings Bank N.A ASBHUnited States$1.30Bn/an/an/an/an/an/a
Triumph Financial TFINUnited States$1.46B-8%+13%5%1.57×17.5%5.3%

Questions

Which companies are Avidia Bancorp's closest peers?
The cockpit's peer set: SpareBank 1 Helgeland (HELG.OL), Ponce Financial (PDLB), Timberland Bancorp (TSBK), Kearny Financial (KRNY), FS Bancorp (FSBW), Sparebanken More (MORG.OL), SpareBank 1 Ostfold Akershus (SOAG.OL), Greene County Bancorp (GCBC).
Is Avidia Bancorp expensive compared with its peers?
On price / book it trades at 1.18× against a peer median of 1.20×, 8th cheapest of 15 in its peer set. The share price implies a return on equity of about 7.0%; Avidia Bancorp delivers 7.3%, so the price asks less than the business earns today.
How has Avidia Bancorp stock performed?
Over six months to 6 Nov 2026 the shares returned +10.9% against +5.6% for the median peer; over one year +49.5%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.