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Avidbank Holdings (AVBH) Fair Value & Analysis

Financial Services · US · Market cap $348M

Price$32.71
Fair Value$28.45
Upside-13.0%
Quality95/100
Evidence: High Range $21.34 – $35.57

Fair value as of: Jun 26, 2026

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Analysis

Avidbank Holdings (AVBH) currently trades at $32.71, while our model-based Fair Value estimate is $28.45 — implying the stock looks roughly 13.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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, unse…

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Frequently asked questions

Is Avidbank Holdings (AVBH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $28.45 versus a price of $32.71 — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AVBH?
Our 21-model fair value for Avidbank Holdings is $28.45 (as of Jun 26, 2026), built from audited fundamentals. The current price is $32.71.
What is the quality score of AVBH?
Avidbank Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.