Avidbank Holdings, Inc. (AVBH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Avidbank Holdings, Inc. $19.19, price $31.12, upside -38.3%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Avidbank Holdings, Inc.
AVBH · USWeakest SetupStrongly overvalued and low quality.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $13.80 – $33.51 · fair‑value band $17.91 – $21.74 · the $31.12 price screens above the $19.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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, 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. Common stock (AVBH) currently trades at $31.12, while our model-based Fair Value estimate is $19.19, implying the stock looks roughly 62.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $28.38 per share, and 1 of the 4 models we run sit above the $31.12 price.
Bear case: the Asset-Based group reads lowest at $17.14, and 3 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: $17.91 (bear) to $21.74 (bull), the price of $31.12 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 $335M · P/S ratio 9.16 · EPS (TTM) $−2.18 · Net margin 32.3% · Return on equity −5.6% · Return on assets (EBIT) 0.9% · Operating margin 38.9% · Revenue (TTM) $37.8M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −38%, AVBH screens richer than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 69
Revenue & earnings trend
Growth Forecast
AVBH screens 62% overvalued. Compare with DBS Group →
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Mizuho Financial Group MFG | $10.74 | $6.75 | −37% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Avidbank Holdings, Inc. Common stock
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