AVBC

MKT CAP:$400M

Avidia Bancorp, Inc.

Market Cap

$400M

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Financials·Banks - Regional·🇺🇸·NYSE

Stock Price

$20.73+$4.21 (+25.48%)

Apr 22, 2026

Company Details

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money...

CEO

Robert D. Cozzone

IPO Date

Aug 1, 2025

Website

www.avidiabank.com

Key Metrics TTM

Revenue

$148M

+8.2% YoY

Net Income

-$3M

EPS (Diluted)

-$0.15

Free Cash Flow

$16M

Revenue / Share

$7.97

Gross Margin

55.9%

Operating Margin

-3.8%

Net Margin

-2.2%

FCF Margin

10.9%

P/S

2.7x

P/E

—

Earnings Reports

FY 2025

Mar 27, 2026

$148M+4.9%EPS -$0.18

Q4 2025

Mar 27, 2026

$37M+12.0%EPS $0.29

Q3 2025

Nov 14, 2025

$38M+9.8%EPS -$0.05

Q2 2025

Aug 14, 2025

$37M+11.3%EPS $0.19

Q1 2025

Jun 27, 2025

$35M+0.1%EPS -$0.58

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 24	$35M	$22M	$5M
Q2 24	$33M	$21M	$3M
Q3 24	$35M	$20M	$3M
Q4 24	$33M	$22M	$5M
Q1 25	$35M	$5M	-$17M
Q2 25	$37M	$25M	$5M
Q3 25	$38M	$26M	-$2M
Q4 25	$37M	$26M	$8M

Valuation

Quarter	P/S	P/E
Q1 24	—	—
Q2 24	—	—
Q3 24	—	—
Q4 24	2.1x	25.4x
Q1 25	2.1x	—
Q2 25	2.1x	—
Q3 25	2.1x	—
Q4 25	2.1x	—

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 24	$1M	$1M
Q2 24	-$589.0K	-$1M
Q3 24	$3M	$2M
Q4 24	$20M	$19M
Q1 25	-$2M	-$4M
Q2 25	-$2M	-$3M
Q3 25	$24M	$23M
Q4 25	$0	$0

Capital Expenditures

Quarter	CapEx
Q1 24	$283.0K
Q2 24	$855.0K
Q3 24	$906.0K
Q4 24	$729.0K
Q1 25	$2M
Q2 25	$967.0K
Q3 25	$871.0K
Q4 25	$0

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 25	+0.1%	+71.1%
Q2 25	+11.3%	+6.1%
Q3 25	+9.8%	+25.2%
Q4 25	+12.0%	+3.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 24	$12M	$445.0K
Q2 24	$12M	$334.0K
Q3 24	$11M	$343.0K
Q4 24	$11M	$310.0K
Q1 25	$13M	—
Q2 25	$10M	—
Q3 25	$11M	—
Q4 25	$11M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 24	$0	$0	$0
Q4 24	$62M	$267M	$329M
Q1 25	$83M	$166M	$250M
Q2 25	$309M	$172M	$481M
Q3 25	$112M	$179M	$290M
Q4 25	$16M	$0	$16M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 24	20M	—	—
Q2 24	20M	0.0%	—
Q3 24	20M	0.0%	—
Q4 24	20M	0.0%	—
Q1 25	20M	0.0%	0.0%
Q2 25	20M	0.0%	0.0%
Q3 25	19M	-7.8%	-7.8%
Q4 25	19M	+0.1%	-7.7%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 24	—	—
Q2 24	—	—
Q3 24	—	—
Q4 24	—	—
Q1 25	—	—
Q2 25	—	—
Q3 25	—	—
Q4 25	$155.5K	241

Revenue / Employee