What is the 13F Pro Quality Score for AVBH?

13F Pro ranks Avidbank Holdings, Inc. (AVBH) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View AVBH's current score at https://13fpro.ai/company/AVBH (free sign-up required for the full ranking).

Where does 13F Pro source AVBH data?

All Avidbank Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Avidbank Holdings, Inc. files with the SEC under CIK 1443575. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is AVBH in?

Avidbank Holdings, Inc. (AVBH) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives AVBH's revenue?

Per Avidbank Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-08-12, the biggest revenue drivers are: Net interest income ($26.7M, +31% YoY); Non-interest income ($3.0M, +98% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/AVBH.

What are AVBH's largest expenses?

Avidbank Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($9.6M, +7% YoY); Non-interest expense (total) ($16.5M, +31% YoY); Provision for credit losses ($2.8M, +201% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is AVBH research updated on 13F Pro?

AVBH's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Avidbank Holdings, Inc.(AVBH)Stock Analysis

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SEC EDGAR: CIK 1443575 AVBH stock profile & AI dashboard →

13F Pro Quality Score

39.8/100

Rank #2,134 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

85.1/100

Profitability

16.8/100

Balance Sheet

32.4/100

Earnings Quality

90.5/100

Free Cash Flow

97.8/100

Institutional Flow

79.0/100

Revenue Scale

12.8/100

Dilution Risk

15.9/100

Email me the moment this company reports earnings

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Why AVBH Scores 40/100

exact factor attribution · 2026-09-11

AVBH's composite is driven by revenue growth and free cash flow, held back by scale and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+9.4 pts

85th pct

Free cash flow

+7.2 pts

98th pct

Earnings quality

+4.0 pts

91th pct

Institutional flow

+1.9 pts

79th pct

Shareholder dilution

-2.3 pts

16th pct

Capital efficiency

-2.4 pts

32th pct

Earnings growth

-2.8 pts

9th pct

Profitability

-6.6 pts

17th pct

Scale

-7.4 pts

13th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

AVBH Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Avidbank Holdings, Inc. (AVBH), 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. Avidbank Holdings, Inc.'s 13F Pro composite quality score has ranged between 40 and 70 since 2026, currently 39.8 — a declining long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Avidbank Holdings, Inc.

Quirks, history, and lore behind AVBH — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · traded on OTC Markets · headquartered in Silicon Valley.
2
The Numbers
Total assets in the low single-digit billions — tiny by Wall Street standards, but a meaningful player in technology and venture-backed business lending in its backyard.
3
The History
Founded in the early 2000s, it was built specifically to serve the innovation economy surrounding its Bay Area home, growing alongside the tech boom rather than fighting it.
4
The Secret
Its sweet spot is commercial and industrial loans to the kinds of companies most traditional banks find too complicated — think startups, venture-funded firms, and tech entrepreneurs.
5
The Lore
Operating in the same zip codes as Sand Hill Road venture capital, it carved a niche by being the small bank that actually understands a cap table.
6
The Giveaway
Its name is a mashup of "avid" and "bank" — a San Jose-based community lender purpose-built for passionate entrepreneurs in the heart of Silicon Valley.

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What's Driving AVBH's Business? Latest 10-Q Breakdown

AI-extracted from Avidbank Holdings, Inc.'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$29.7M

Net Income

Q2 2026

$7.6M

Free Cash Flow

Q2 2026

$15.9M

Operating Margin

Q2 2026

35.2%

ROIC

Q2 2026

14.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-61.9% YoY

$30.9MFY 2025

FY23 —FY24 $81.2MFY25 $30.9M

Net Income

-193.0% YoY

$-19.6MFY 2025

FY23 —FY24 $21.0MFY25 $-19.6M

EPS (Diluted)

-181.5% YoY

$-2.25FY 2025

FY23 —FY24 $2.76FY25 $-2.25

Total Assets

+11.5% YoY

$2.57BFY 2025

FY23 —FY24 $2.30BFY25 $2.57B

Total Debt

-67.6% YoY

$60.0MFY 2025

FY23 —FY24 $185.0MFY25 $60.0M

Op. Cash Flow

+72.0% YoY

$39.0MFY 2025

FY23 —FY24 $22.7MFY25 $39.0M

Free Cash Flow

+72.0% YoY

$38.9MFY 2025

FY23 —FY24 $22.6MFY25 $38.9M

Metric	FY 2025	FY 2024	FY 2023
Revenue	$30.9M -61.9%	$81.2M	—
Net Income	$-19.6M -193.0%	$21.0M	—
EPS (Diluted)	$-2.25 -181.5%	$2.76	—
Total Assets	$2.57B +11.5%	$2.30B	—
Total Debt	$60.0M -67.6%	$185.0M	—
Operating Cash Flow	$39.0M +72.0%	$22.7M	—
Free Cash Flow	$38.9M +72.0%	$22.6M	—

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Available Research

13F Pro tracks comprehensive data for Avidbank Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of AVBH

Patriot Financial Partners GP II, L.P.
$34.7M1,050,918 sh
ALLIANCEBERNSTEIN L.P.
$25.2M883,421 sh
Fourthstone LLC
$23.1M700,818 sh
BANC FUNDS CO LLC
$22.1M668,100 sh
ENDEAVOUR CAPITAL ADVISORS INC
$21.8M658,705 sh
BlackRock, Inc.
$19.5M591,284 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$16.3M493,139 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$12.3M372,756 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.0M362,951 sh
WELLINGTON MANAGEMENT GROUP LLP
$10.2M308,439 sh

Fund	Value	Shares
Patriot Financial Partners GP II, L.P.	$34.7M	1,050,918
ALLIANCEBERNSTEIN L.P.	$25.2M	883,421
Fourthstone LLC	$23.1M	700,818
BANC FUNDS CO LLC	$22.1M	668,100
ENDEAVOUR CAPITAL ADVISORS INC	$21.8M	658,705
BlackRock, Inc.	$19.5M	591,284
ADAGE CAPITAL PARTNERS GP, L.L.C.	$16.3M	493,139
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$12.3M	372,756
VANGUARD CAPITAL MANAGEMENT LLC	$12.0M	362,951
WELLINGTON MANAGEMENT GROUP LLP	$10.2M	308,439

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Is AVBH a good stock to buy?

13F Pro's AI-powered analysis of Avidbank Holdings, Inc. (AVBH) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AVBH are available on the AVBH stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. AVBH is classified as a small company.

Which hedge funds own AVBH?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AVBH. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Avidbank Holdings, Inc.'s investment landscape.