Avidia Bancorp, Inc. Fundamental Analysis (NYSE: AVBC)
Avidia Bancorp, Inc. (NYSE: AVBC) shows moderate financial fundamentals with a PE ratio of 23.50, profit margin of 11.51%, and ROE of 4.62%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 4.87%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 35.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze AVBC's fundamental strength across five key dimensions:
Efficiency Score
WeakAVBC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAVBC trades at attractive valuation levels.
Growth Score
WeakAVBC faces weak or negative growth trends.
Financial Health Score
ModerateAVBC shows balanced financial health with some risks.
Profitability Score
WeakAVBC struggles to sustain strong margins.
Key Financial Metrics
Is AVBC Expensive or Cheap?
P/E Ratio
AVBC trades at 23.50 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, AVBC's PEG of -0.06 indicates potential undervaluation.
Price to Book
The market values Avidia Bancorp, Inc. at 1.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.22 times EBITDA. This signals the market has high growth expectations.
How Well Does AVBC Make Money?
Net Profit Margin
For every $100 in sales, Avidia Bancorp, Inc. keeps $11.51 as profit after all expenses.
Operating Margin
Core operations generate 15.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.62 in profit for every $100 of shareholder equity.
ROA
Avidia Bancorp, Inc. generates $0.63 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Avidia Bancorp, Inc. produces operating cash flow of $35.60M, showing steady but balanced cash generation.
Free Cash Flow
Avidia Bancorp, Inc. generates strong free cash flow of $33.80M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.68 in free cash annually.
FCF Yield
AVBC converts 6.96% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
23.50
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.93
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.48
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.008
vs 25 benchmark
How AVBC Stacks Against Its Sector Peers
| Metric | AVBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 23.50 | 20.76 | Worse (Expensive) |
| ROE | 4.62% | 644.00% | Weak |
| Net Margin | 11.51% | -1529.00% (disorted) | Strong |
| Debt/Equity | 0.48 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 830.27 | Weak Liquidity |
| ROA | 0.63% | -577.00% (disorted) | Weak |
AVBC outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Avidia Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
119.15%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-130.48%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
0.00%
Industry Style: Value, Dividend, Cyclical
Declining