Avidbank Holdings, Inc. AVBH

Financials SIC 6022 - State Commercial Banks Nasdaq

We are Avidbank Holdings, a bank holding company based in San Jose, California that operates through our wholly owned subsidiary, Avidbank, a California state-chartered bank ("Avidbank" or the "Bank"). Founded in 2003, Avidbank is a full-service commercial bank dedicated to providing innovative banking solutions to a diverse client base, including small-to-medium sized businesses, technology companies, and individuals through robust portfolios of lending products, deposit services, and digital banking capabilities. We believe we provide competitive deposit products and treasury management solutions with a high-touch, relationship-driven approach, guided by our commitment to being Responsive, Collaborative & Accountable—principles we embody in every client interaction. Our experienced management team focuses on loan growth while striving to maintain excellent credit quality, core deposit expansion, noninterest income growth and improving operational efficiency. We focus on corporate banking, commercial real estate, and real estate construction lending in the Bay Area (which we define as the counties of Alameda, Contra Costa, Marin, Monterey, Napa, San Francisco, San Mateo, Santa Clara, Santa Cruz, Solano, and Sonoma), while also maintaining a growing national presence in Venture Lending and Specialty Finance.

Last close 31.92 2026-09-04
Market cap $350.6M 2026-06-30 share count
52-week range 24.02 - 34.17

Valuation FY2025 figures against the last close

P/S2.4x
P/E
P/FCF9.0x
EV/EBITDA
Dividend yield
Diluted EPS-2.25

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023
Revenue $145.8M$142.4M
Interest expense $87.3M$75.2M
Pre-tax income -$27.0M$29.8M
Income tax $7.4M$8.8M
Net income -$19.6M$21.0M
EPS, basic -2.252.83
EPS, diluted -2.252.76
Shares, diluted (wtd. avg.) $8.7M$7.6M

Balance sheet

Fiscal year FY2025FY2024FY2023
Cash and equivalents $154.6M$82.7M
Property, plant and equipment $1.5M$2.3M
Total assets $2.57B$2.30B
Short-term debt $60.0M$185.0M
Total liabilities $2.29B$2.12B
Retained earnings $111.2M$130.7M
Total equity $281.0M$186.4M$165.3M

Cash flow

Fiscal year FY2025FY2024FY2023
Operating cash flow $39.0M$22.7M
Depreciation and amortisation $1.1M$1.6M
Stock-based compensation $3.2M$3.2M
Capital expenditure $93.0K$47.0K
Investing cash flow -$196.7M-$82.7M
Financing cash flow $229.5M$61.3M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-008852.

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