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AVBH

Avidbank Holdings, Inc.

AVBH

Avidbank Holdings, Inc. • NASDAQ
$26.15 ▲ 1.63% (+0.42)
Market Cap $207.04 M
52w High $26.95
52w Low $19.75
Dividend Yield 0%
P/E 12.11
Volume 15.63K
Outstanding Shares 7.92M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $35.644M ▼ $35.644M ▲ $5.797M 16.264% ▲ $0.77 $22.256M ▲
Q2-2025 $37.182M ▲ $12.609M ▲ $5.797M ▲ 15.591% ▼ $0.77 ▲ $8.294M ▲
Q1-2025 $20.523M ▲ $11.668M ▲ $5.436M ▼ 26.487% ▼ $0.73 ▼ $0
Q4-2024 $20.25M ▼ $10.327M ▼ $6.457M ▲ 31.886% ▲ $0.87 ▲ $0
Q3-2024 $20.403M $11.069M $5.846M 28.653% $0.79 $0

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $185.594M ▲ $2.362B ▼ $2.089B ▼ $273.113M ▲
Q2-2025 $129.923M ▲ $2.392B ▲ $2.188B ▲ $204.419M ▲
Q1-2025 $0 $2.32B ▲ $2.123B ▲ $196.619M ▲
Q4-2024 $0 $2.308B ▲ $2.122B ▲ $186.362M ▼
Q3-2024 $0 $2.295B $2.107B $188.521M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.797M $12.411M ▲ $72.685M ▲ $-37.7M ▼ $47.396M ▲ $12.469M ▲
Q2-2025 $5.797M ▲ $6.413M ▲ $-64.782M ▼ $63.291M ▲ $4.922M ▲ $6.378M ▲
Q1-2025 $5.436M ▼ $0 $0 $0 $0 $0
Q4-2024 $6.457M ▲ $0 $0 $0 $0 $0
Q3-2024 $5.846M $0 $0 $0 $0 $0

Five-Year Company Overview

Income Statement

Income Statement Avidbank has grown its business over the past several years, with revenue generally trending higher and profits remaining consistently positive. Earnings per share have been solid but a bit uneven, with a strong year followed by some normalization, which is common for a bank exposed to venture and specialized lending cycles. Profitability at the operating level looks steady rather than explosive. The bank appears to manage its costs reasonably well, but there are signs of some volatility in margins from year to year, likely reflecting shifts in interest rates, credit demand, and credit costs. Overall, the income statement points to a profitable niche bank with some earnings variability tied to its specialized focus.

Balance Sheet

Balance Sheet The balance sheet shows a bank that has been steadily growing its asset base while slowly building its capital levels. Shareholders’ equity has been rising, which is a positive sign of retained profitability and balance sheet strengthening over time. On the other hand, cash levels have moved down sharply from earlier years, and the use of debt has risen more recently. This suggests a more actively leveraged balance sheet and a greater reliance on wholesale or other borrowings. The combination of higher assets, higher debt, and modestly higher equity implies more balance sheet complexity and a need for close attention to funding and liquidity management.

Cash Flow

Cash Flow Cash flow from operations has been consistently positive, which supports the view that the core banking franchise generates reliable cash. Free cash flow has also remained positive in recent years, helped by relatively light capital spending needs. Investment in physical assets appears modest, which is typical for a relationship-driven, service-focused bank. Overall, the cash flow profile suggests a business that can fund its day‑to‑day needs internally, but the low cash balance on the balance sheet puts a spotlight on how management handles liquidity buffers and funding mix.

Competitive Edge

Competitive Edge Avidbank’s edge comes from its specialization rather than sheer size. It focuses on venture lending, fund finance, asset-based lending, and sponsor-backed deals—areas where deep expertise and flexible structures matter more than branch count. This positions the bank as a go‑to partner for technology, life sciences, and private equity clients who often struggle to get tailored solutions from larger, more standardized banks. Its model is heavily relationship-based, offering direct access to decision-makers and customized credit structures. In a region like Silicon Valley, this high-touch approach can be a meaningful differentiator. The trade‑off is that concentration in specialized segments can increase exposure to cyclical swings in venture activity and private markets, so its competitive strength comes with higher sensitivity to those ecosystems.

Innovation and R&D

Innovation and R&D Avidbank’s innovation is less about building its own technology from scratch and more about smart partnerships. The commercial card program developed with a fintech partner is a good example: it lets the bank offer modern payment tools, detailed reporting, and virtual cards without the cost and risk of building a full platform in-house. Strategically, the bank uses technology to enhance its relationship banking—streamlining credit decisions, improving data visibility for clients, and expanding treasury and payment capabilities. Future innovation is likely to follow this pattern: selectively layering on third‑party fintech solutions that strengthen its niche offerings, rather than attempting to become a full‑scale digital platform bank.

Summary

Overall, Avidbank looks like a specialized, relationship-driven bank that has translated its niche focus into consistent profitability and gradual balance sheet growth. Its strengths lie in deep expertise in venture and fund finance, close client relationships, and the ability to bolt on modern fintech capabilities through partnerships rather than heavy in‑house development. Key watchpoints include the decline in on-balance-sheet cash, the recent rise in debt, and the natural earnings volatility that comes with lending to venture-backed and sponsor-backed clients. If management continues to balance disciplined risk management with targeted growth in its specialty areas, the bank’s differentiated position could remain an asset, but its performance will likely remain closely tied to the health of the innovation and private capital ecosystems it serves.

NEWS

October 23, 2025 · 4:15 PM UTC

Avidbank Holdings, Inc. Announces Financial Results for the Third Quarter of 2025

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October 8, 2025 · 3:10 PM UTC

Avidbank Holdings, Inc. to Announce Third Quarter 2025 Earnings Results After-Market on Thursday, October 23, 2025

Read more