AVBH · Avidbank Holdings, Inc.
$32.08
-0.07 (-0.22%)
At close · Aug 21
Market Cap
$352.35M
Shares
10.98M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$32.08
Open$32.44
Day$32.02–32.83
52W close$23.99–33.51
Avg vol 30d102K
Short int339K · 3.1% float · 2.6d
Short vol46%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 12
Up next
Next earnings call
Oct 20, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 12, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
−1%
below
RSI (14)
43
neutral
MACD trend
Negative
52-week position
85%
mid-range
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+11%
trailing
YTD return
+21%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $32 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +15 funds added
Insider flow
Distributing
Net -$331.4K over 90 days · 100% sells
Short interest
Rising
3.08% of float · ▲ +0.1% MoM · 2.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
91 holders — near 3-yr high, broad support
Squeeze score
58
elevated · 0–100
Fundamentals
EPS growth
−182%
Y/Y
Free cash flow
$38.9M
Balance sheet
$94.6M
net cash
Quant / Vol
risk profile
Volatility
18%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jan 30, 2026
Loan growth
· 2026
10% – 15%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $32 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +15 funds added
Insider flow
Distributing
Net -$331.4K over 90 days · 100% sells
Short interest
Rising
3.08% of float · ▲ +0.1% MoM · 2.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
91 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $32 · 85%
Range high $34
vs 200-day avg +10%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses on loans to total loans | 0.97% | the three months ended June 30, 2026 filing | — |
| Average loans to average deposits | 99.32% | the three months ended June 30, 2026 filing | — |
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| Common equity ratio | 11.13% | the three months ended June 30, 2026 filing | — |
| Common equity tier 1 capital ratio | 11.35% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio | 55.41% | the three months ended June 30, 2026 filing | — |
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| Net interest margin - taxable equivalent (non-GAAP) non-GAAP | 4.26% | the three months ended June 30, 2026 filing | — |
| Non-performing assets to total assets | 0.54% | the three months ended June 30, 2026 filing | — |
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| Number of common shares outstanding | 10,982,764 | the three months ended June 30, 2026 filing | — |
| Tier 1 leverage ratio | 11.5% | the three months ended June 30, 2026 filing | — |
| Total risk-based capital ratio | 12.79% | the three months ended June 30, 2026 filing | — |
| Allowance for credit losses – loans and unfunded commitments to total loans | 1.09% | second quarter of 2026 | — |
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| Book value per share | $26.97 | second quarter of 2026 | — |
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| Classified loans to total loans | 0.96% | As of June 30, 2026 | — |
| Cost of deposits | 2.29% | Three Months Ended June 30, 2026 | — |
| Criticized loans to total loans | 2.16% | As of June 30, 2026 | — |
| Efficiency ratio – GAAP | 52.96% | Six Months Ended June 30, 2026 | — |
| Full-time equivalent employees | 162 | second quarter of 2026 | — |
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| Net charge-offs to average loans | 0.35% | second quarter of 2026 | — |
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| Net interest income and margin | 4.32% | Six Months Ended June 30, 2026 | — |
| Net interest margin | 4.26% | second quarter of 2026 | — |
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| Net interest spread | 3.32% | Six Months Ended June 30, 2026 | — |
| Non-performing loans to total loans | 0.65% | second quarter of 2026 | — |
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| Return on average assets | 1.2% | second quarter of 2026 | — |
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| Return on average assets – adjusted (non-GAAP) non-GAAP | 1.37% | Six Months Ended June 30, 2026 | — |
| Return on average equity – adjusted (non-GAAP) non-GAAP | 11.93% | Six Months Ended June 30, 2026 | — |
| Return on average equity | -8.61% | the year ended December 31, 2025 | — |
| Return on average equity-adjusted non-GAAP | 10.95% | the year ended December 31, 2025 | — |
| Tier 1 risk-based capital ratio | 11.05% | as of December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AVBH
this stock
Avidbank Holdings, Inc.
|
$352.35M | +20.8% | — | — | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.23B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AVBH | -2.4% | +0.7% | +10.8% | -1.6% | +20.8% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -1.1% | -2.9% | -0.8% | -4.1% | +8.5% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
shares 307,780
Spent (derived)
shares 50,347
Remaining
shares 257,433
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1443575
CUSIP
05368J103
13F (30d)
88 filings
86 filers
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