Avidbank Holdings, Inc. (AVBH) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Avidbank Holdings, Inc. stock $23.76, price $34.70, that is 31.5% below the price, quality 36 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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Avidbank Holdings, Inc.
AVBH · USOur calculation puts a fair price 32% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $13.80 – $34.95 · fair‑value band $17.82 – $29.70 · the $34.70 price screens above the $23.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial solutions and services. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit.
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The company also provides lending products, including working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; sponsor finance comprising acquisition term loans, recapitalization term loans, and working capital lines; and venture lending, such as venture debt, growth capital, recurring revenue, and treasury management services.
In addition, it offers commercial real estate lending consisting of permanent loans and bridge financing products; Asset-Based Lending that includes Borrowing Base and ABL term loans; and construction lending products, including land acquisition loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, pre-development loans, real estate bridge loans, and RLOC " real estate secured loans.
Further, the company provides private equity and venture capital financing solutions; structure finance; security and fraud prevention services; domestic and international wires, ACH origination, corporate credit cards, bill pay, trade finance letters of credit, and zero balance account; remote deposit capture, ACH collections, incoming wires, lockbox, and merchant services; and online banking real time fraud mitigation tools, check positive pay, and ACH positive pay.
Additionally, it offers ATM/debit cards, credit cards, business courier, and complimentary notary services, as well as online and mobile banking services. The company was founded in 2003 and is headquartered in San Jose, California.
Stock analysis
Avidbank Holdings, Inc. (AVBH) currently trades at $34.70, while our model-based Fair Value estimate is $23.76, 32% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $27.95 per share, and 0 of the 4 models we run sit above the $34.70 price.
Bear case: the Asset-Based group reads lowest at $17.12, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $17.82 (bear) to $29.70 (bull), the price of $34.70 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Avidbank Holdings, Inc. Common stock reported revenue of $74.2M in FY2025 versus $52.8M in FY2021, a compound +8.9%/yr. Reported net income was $24.0M in FY2025, compounding +18.2%/yr from FY2021.
Key figures
Market cap $374M Small · P/E ratio 9.9 · P/S ratio 3.51 · EPS (TTM) $3.52 · Net margin 31.7% · Return on equity 11.8% · Return on assets (EBIT) 0.9% (5-year average) · Operating margin 48.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −32%, AVBH screens cheaper than that median.
Fair Value models
All 4 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors sold shares worth $378,575 and none bought.
- SaleMike RosinusDirector19× since Feb 10, 2026: 196,500 shares, avg. $28.66$5.6MSep 9, 2026
- SaleArthur WassonEVP, Chief Revenue Officer10,000 shares at $33.14$331,400Aug 14, 2026
Plus 23 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 9, 2026. All filings at the SEC ↗
Revenue & earnings trend
AVBH screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →
Compare Avidbank Holdings, Inc. Common stock with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.62 | ¥7.59 | +35% | vs AVBH |
| China Merchants Bank Co 600036 | ¥43.01 | ¥52.73 | +23% | vs AVBH |
| BNP Paribas SA BNP | €93.98 | €106.01 | +13% | vs AVBH |
| Intesa Sanpaolo S.p.A ISP | €6.35 | €4.49 | −29% | vs AVBH |
| UniCredit S.p.A UCG | €81.62 | €50.44 | −38% | vs AVBH |
| Mizuho Financial Group MFG | $9.82 | $5.89 | −40% | vs AVBH |
| Al Rajhi Banking and Investment Corporation 1120 | 62.25 SAR | 36.95 SAR | −41% | vs AVBH |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs AVBH |
| HDFC Bank Limited HDFCBANK | ₹798.15 | ₹406.39 | −49% | vs AVBH |
| ICICI Bank Limited ICICIBANK | ₹1,589 | ₹615.63 | −61% | vs AVBH |
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Frequently asked questions
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Key figures of Avidbank Holdings, Inc.
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