Avidbank Holdings, Inc.(AVBH)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Avidbank Holdings, Inc. (AVBH) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores AVBH at 39.8/100 on a 32-signal composite quality model, placing it at rank #2,134 of 2,962 stocks — the bottom half of the AI-ranked universe. AVBH scores in the top quartile across free cash flow (97.8), earnings quality (90.5), revenue growth (85.1). Areas of concern include revenue scale (12.8) and profitability (16.8), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Avidbank Holdings, Inc. reports quarterly revenue of $29.7M, net income of $7.6M, an operating margin of 35.2%. Top institutional holders of AVBH by reported 13-F value include Patriot Financial Partners GP II, L.P., ALLIANCEBERNSTEIN L.P., Fourthstone, based on the most recent SEC filings. AVBH trades on the Nasdaq exchange and files with the SEC under CIK 1443575. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AVBH daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Avidbank Holdings, Inc. directly from SEC EDGAR.
AI Quality Score
39.8/100
AI Rank
#2,134
Revenue
$29.7M
Net Income
$7.6M
Free Cash Flow
$15.9M
Operating Margin
35.2%
AVBH key financials by period
Avidbank Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$30.9M
$-19.6M
-87.2%
FY 2024
10-K
$81.2M
$21.0M
36.7%
Institutions holding AVBH
Institutional investors reporting a position in Avidbank Holdings, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-12 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $7.6M (+32% YoY) driven by 66bp expansion in net interest margin to 4.26%, as deposit growth and loan expansion offset provision increases.
Biggest Revenue Drivers
Net interest income$26.7M+31% YoY
Higher average loan balances, higher yields on securities following 2025 portfolio repositioning, and lower short-term borrowing costs.
Non-interest income$3.0M+98% YoY
Driven by $1.3M BOLI death benefit proceeds, higher foreign exchange income, and higher other investment income.
Biggest Revenue Drivers
Total revenue: $29.7M+31% YoY
Net interest income$26.7M+31% YoY
Higher average loan balances, higher yields on securities following 2025 portfolio repositioning, and lower short-term borrowing costs.
Non-interest income$3.0M+98% YoY
Driven by $1.3M BOLI death benefit proceeds, higher foreign exchange income, and higher other investment income.
Largest Expense Items
Salaries and employee benefits$9.6M+7% YoY
Increased investment in personnel across the Bank, partially offset by higher capitalized loan origination costs; headcount grew to 162 from 149.
Non-interest expense (total)$16.5M+31% YoY
Includes $2.6M litigation settlement charge, higher legal and professional fees, increased directors' fees, and higher data processing costs.
Provision for credit losses$2.8M+201% YoY
Higher loan balances and charge-offs: $3.2M commercial and industrial and $1.9M construction loan charge-off.
Watch Items from the Filing
One deposit relationship (software company in Venture Lending) represents 5.7% of total deposits ($133.4M as of June 30, 2026), elevated concentration risk.
Non-performing loans improved to 0.65% of total loans from 1.14% year-end, but construction segment contains $14.4M non-accrual loans; risk ratings on special mention loans increased $37.2M YoY due to non-owner-occupied real estate concentration.
Brokered deposits increased from $0 to $65.5M (3% of total deposits), representing shift in funding mix toward less stable funding sources; FDIC regulations cap reciprocal deposits at 20% of liabilities, with $513M classified as brokered due to excess cap.
SaaS borrowers represent 9% of loan portfolio and face elevated AI-driven disruption risk per new risk factor disclosure; venture lending exposure may face headwinds if equity financing dries up.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
