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/AVBH
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AVBH

AVBH

AVBH
$32.23USD↓-1.56%-0.51 today

MARKET CAP

353.1M

P/E (TTM)

10.9x

FWD P/E

8.9x

DAY RANGE

$32 – $33

52W RANGE

$21
$34

AI Summary

Stalk
Buy NowMedium

Within a Stage 2 momentum advance, AVBH maintains a clear higher-high/higher-low structure and is pulling back shallowly into the rising 9 and 20 EMAs. Despite extreme overbought readings on RSI and the options score, the current consolidation above key EMAs offers a favorable entry under an HMOM momentum framework. Medium-term bias remains bullish supported by stage context and structural pattern; short-term timing turns bullish as price accepts the pullback near moving averages. Buy Now on this pullback interaction, while monitoring for exhaustion at resistance.

  • ↑Q1 net income $9M ($0.84/sh), up 30% from prior quarter
  • ↑Loans grew 18% YoY to $332M; deposits up 14% to $270M
  • ↓Non-performing assets, especially construction loans, are on the rise
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Avidbank Holdings, Inc. (NASDAQ: AVBH) operates as a commercial bank primarily focusing on providing banking services and lending facilities to businesses, particularly in the venture capital-backed technology sector. The bank has a strategic emphasis on sectors like commercial real estate (CRE) and Software as a Service (SaaS) enterprises. Positioned as a growing financial institution within a dynamic economic landscape marked by rising interest rates and increased scrutiny on credit quality, Avidbank aims to capitalize on its expertise in these areas. The recent addition to the Russell 2000 Value-Defensive Index showcases its prominence in the banking sector.

Bull says

  • ↑Q1 net income $9M ($0.84/sh), up 30% from prior quarter
  • ↑Loans grew 18% YoY to $332M; deposits up 14% to $270M
  • ↑NIM improved to 4.38% while efficiency ratio fell to 50.4%
  • ↑Executed $693K share repurchase, underlining shareholder capital return
  • ↑Strong earnings yield and momentum factors signal favorable growth outlook
  • ↑Management targets low double-digit loan and deposit growth for FY’26

Bear says

  • ↓Non-performing assets, especially construction loans, are on the rise
  • ↓Rising deposit rates increase funding costs, risking NIM compression
  • ↓Negative analyst estimate revisions may pressure future earnings
  • ↓Smaller size implies liquidity challenges and heightened volatility
  • ↓Regulatory and macro uncertainties could raise compliance costs
  • ↓Limited institutional ownership may cap upside in volatile markets

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-28-2026bullish

Transcript signals

Bull points

  • in the first quarter, we earned net income of $9 million or $0.84 per diluted share, up from $6.9 million or $0.65 per diluted share in the fourth quarter. Return on assets improved to $146 from $112 and return on average equity increased to 12.7%
  • loans grew $24 million in the first quarter, driven mainly by a $26 million increase in non-owner-occupied CRE loans, with overall loans up $332 million, or 18%, since March 31, 2025. Deposits also moved higher, up $13 million in the first quarter, and they're up $270 million or 14% since March 31, 25
  • net interest margin of 438 in the first quarter, up 25 basis points from the fourth quarter, benefiting from a special FHLB dividend, which added about four basis points to the margin. Non-performing loans declined to 16.3 million, or 75 basis points of loans, mainly reflecting the payoff of a construction loan

Bear points

  • The provision of credit losses was 1.4 million in the first quarter, down from 2.8 million in the fourth quarter. Net charge-offs for the quarter were 2.8 million, primarily driven by the charge-off of two C&I credits, and we did see some upward pressure on our cost of interest-bearing deposits.
Read full transcript analysis ›