What is Avidia Bancorp, Inc.'s (AVBC) StockRank?

MoatMap's StockRank for Avidia Bancorp, Inc. (AVBC) is 53/100, with a Hold signal. This is a composite score combining Quality (40), Value (33), and Momentum (73) factor ranks across MoatMap's 20,000+ stock universe.

Does Avidia Bancorp, Inc. have an economic moat?

Avidia Bancorp, Inc. (AVBC) has a Quality factor score of 40/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Avidia Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Avidia Bancorp, Inc. (AVBC) is Hold, based on a StockRank of 53/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Avidia Bancorp, Inc. in?

Avidia Bancorp, Inc. (AVBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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AVBC

HOLD

Avidia Bancorp, Inc. · Financial Services · United States · $400M · Avg Vol: $3M/d

StockRank

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P/E (TTM)

26.1x

ROE

5.0%

D/E

0.8x

Dividend %

0.2%

COMPANY DESCRIPTION

Avidia Bancorp, Inc. is a regional financial institution providing commercial, retail, and municipal banking services in Massachusetts. The company's competitive moat is its strong local relationship network and its specialized focus on modern payment technologies and HSA administration. It operates as a community-focused regional bank with advanced digital capabilities.

FINANCIAL SUMMARY (USD)

Year	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	84.9M	86.0M	100.7M	8.9%	104.0M	—	—	—
EPS	0.62	0.57	-0.18	-7.7%	0.77	1.44	1.48	37.3%
Shares	20.1M	20.1M	18.6M	-7.6%	18.6M	—	—	—
Debt	428.5M	352.7M	287.8M	-18.0%	244.3M	—	—	—
Equity	180.8M	193.8M	379.0M	44.8%	—	—	—	—
Op CF	15.6M	23.2M	28.4M	34.9%	39.0M	—	—	—
Inv CF	-111.7M	-71.1M	-111.6M	—	—	—	—	—
Fin CF	88.6M	40.0M	166.2M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+12.1%

SMA 50SMA 200

$22.38

RSI (14)

72.8

52W High

$22.90

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*23.3

ROE

5.0%26.4

GP/Assets

3.7%N/A

Op. Margin

32.1%50.8

FCF/Assets

1.3%N/A

Piotroski

565.2

Int. Cover

—50.0

D/E Ratio

0.76xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

26.1x17.2

EV/EBITDA

bankN/A

P/FCF

11.2xN/A

P/B

1.0x63.0

P/S

3.6x53.1

Div Yield

0.2%1.1

Momentum

52W High %

98%77.7

RS 6M

25%92.0

SMA 50/200

1.10x74.4

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

+83%80.4

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$400M

P/E (Forward)

14.3x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AVBC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
AVBC	Avidia Bancorp, Inc.(you)	$400M	53	HOLD
CHMG	Chemung Financial Corporation	$390M	56	HOLD
BSVN	Bank7 Corp.	$471M	54	HOLD
MVBF	MVB Financial Corp.	$374M	57	HOLD
PBFS	Pioneer Bancorp, Inc.	$445M	48	HOLD
CZNC	Citizens & Northern Corporation	$436M	47	HOLD
USCB	USCB Financial Holdings, Inc.	$396M	63	HOLD
HIFS	Hingham Institution for Savings	$614M	51	HOLD
BCML	BayCom Corp	$346M	62	HOLD
AVBH	Avidbank Holdings, Inc.	$349M	41	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$22.38
Market Cap	$400M
P/E (TTM)	26.14
P/E (Forward)	14.28
Price/Book	0.97
Return on Equity	5.0%
Debt/Equity	0.76x
Operating Margin	32.1%
Revenue Growth	410.7%
Dividend Yield	0.2%
Free Cash Flow	$36M