Avidia Bancorp stock
AVBCNYSEAvidia Bancorp, Inc., Financial ServicesISIN US05369T1007
63Score 63 out of 100, Neutral
Price and trend
79 / 100
Price history
+48% in one yearThe chart shows daily closes over 1 year, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 9.3% above it.
Normal: the price is neither overheated nor sold off (RSI 49).
The price is 4.4% below its 52-week high. Largest decline in 1 year: 12% (April 2026 to May 2026).
Chart figures for advanced users
- SMA 50$22.26
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$20.66
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)49
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$14.94
- The lowest closing price of the last twelve months.
- Resistance$23.61
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Avidia Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $400.55M, is number 391 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $103.57M (up 14.7% year on year) and a loss of $3.29M.
- MEQIRI Score 63 out of 100 (Neutral): rank 642 of 976 in Financial Services, median 68.
Show more
- Our model puts fair value at $13.29, with the price 70% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 8% since 2020.Capital allocation 62
Weaknesses
- Margin fallingOperating margin −5.5%, average of the prior years 100% (to 2024).Profitability 37
- Above fair valuePrice 70% above the fair value of $13.29.Valuation 49
Its standout strengths are stability and momentum, while valuation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $9.49 and expensive above $22.15 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $8.42 (excess return model) and $18.16 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $12.59, at 7.8% it would be $14.34.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 19.2% on the twelve months before. Revenue has grown solidly since 2020, at about 7% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating −5%, net −3%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 23%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 84 days
- Last reported
- 22 Oct 2026EPS reported $0.47 (expected $0.38)above expectations
Analyst estimates
- Earnings per share
- $1.54+6.9%
- Revenue
- $119.7M+0.7%
- Earnings per share
- $1.54+1.7%
- Revenue
- $126.2M−0.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Insiders
Open-market purchases and sales by executives, board members and major holders
4 insiders bought on the open market between 17 Aug 2026 and 14 Sept 2026, $359,050 in total. One insider sold, $132,606 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Flanigan Micheal NeilSale
5 Nov 2026, Board
- Shares
- 900
- Price
- $23.24
- Value
- $20,917
- Flanigan Micheal NeilSale
18 Sept 2026, Board
- Shares
- 5,000
- Price
- $22.34
- Value
- $111,688
- Murphy Michael DennisPurchase
14 Sept 2026, Board
- Shares
- 5,000
- Price
- $22.12
- Value
- $110,600
Show 13 more
- Nelson Jonathan MichaelPurchase
3 Sept 2026, CFO and Treasurer
- Shares
- 4,500
- Price
- $22.19
- Value
- $99,855
- Grimaldo Joseph FPurchase
26 Aug 2026, Board
- Shares
- 5,000
- Price
- $22.02
- Value
- $110,087
- Doane ThomasPurchase
17 Aug 2026, EVP- Human Resources
- Shares
- 1,726
- Price
- $22.31
- Value
- $38,507
- Saul Kennedy OPurchase
11 Aug 2026, Board
- Shares
- 5,900
- Price
- $21.65
- Value
- $127,733
- Grimaldo Joseph FPurchase
11 Aug 2026, Board
- Shares
- 4,655
- Price
- $21.44
- Value
- $99,786
- Cozzone Robert DPurchase
29 May 2026, President & CEO
- Shares
- 2,128
- Price
- $18.80
- Value
- $40,006
- Karmelek NicolasPurchase
27 May 2026, EVP and CRO
- Shares
- 19
- Price
- $19.08
- Value
- $363
- Jensen Barry HPurchase
18 May 2026, EVP and Chief Admin Officer
- Shares
- 500
- Price
- $18.88
- Value
- $9,440
- Gilles Michael OPurchase
15 May 2026, Board
- Shares
- 3,000
- Price
- $19.07
- Value
- $57,207
- Gilles Michael OPurchase
14 May 2026, Board
- Shares
- 1,000
- Price
- $19.50
- Value
- $19,500
- Jensen Barry HPurchase
14 May 2026, EVP and Chief Admin Officer
- Shares
- 500
- Price
- $19.26
- Value
- $9,630
- Gilles Michael OPurchase
13 May 2026, Board
- Shares
- 4,000
- Price
- $19.50
- Value
- $77,996
- Cozzone Robert DPurchase
13 May 2026, President & CEO
- Shares
- 2,023
- Price
- $19.77
- Value
- $39,990
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Avidia Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 63
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Chemung FinancialCHMG $414.18M78
- Citizens Financial ServicesCZFS $412.85M72
- Pareto BankPARB.OL $407.28M41
- First Carolina Financial ServicesFCBM $407.11M56
- Northeast Community BancorpNECB $400.47M79
- Norwood FinancialNWFL $394.79M71
- Fidelity D & D BancorpFDBC $392.6M74
- Investar HoldingISTR $387.82M63
ETFs that hold Avidia Bancorp
Held by 2 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 31 Jul 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.