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Avidbank Holdings

AVBH on Nasdaq. Avidbank Holdings sells loans, deposits and banking services to Bay Area businesses and individuals. Market value $344m.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Not a fit for our list right now

Why it could be worth it

Nothing stands out yet.

What to watch out for

See Financial services stocks that passed both tests

This is not advice. Check the numbers below.

Compare with another stock

Return on equity
five annual reports to December 2025
Not reported

We don't have this figure for this company.

Price to book
quarterly report to June 2026
1.2×

What you pay for each dollar of net assets: $1.17.

Earnings yield
past 12 months to June 2026
-4.1%

Profit per $100 you pay: $-4.09.

Quality score: not known. Price score: 45 of 100. Our list needs 70 on quality and 60 on price.

$31.42 a share, 31% above its 1-year low

Over the past year the price has ranged from $24.03 to $34.18.

Pays no dividend

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

n/a
2025
Revenue
n/a
Operating margin
n/a
Debt to equity
n/a
Shares outstanding
0.01bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown
  • Buying back its own sharesRoughly flat

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Profit: $8 million, up 32% on a year ago.
  • 40% more shares than a year ago. Each share owns a bit less of the company.
Profit by quarter
Profit by quarter
Quarter toAmount
June 2025$6m
September 2025-$38m
December 2025$7m
March 2026$9m
June 2026$8m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
18 March 2026
Next quarterly (estimated, 10-Q)
11 November 2026

Who owns it

1 long-term investor we follow owns it, unchanged from 1 last quarter. 92 funds in all.

Jun '25
Dec '25
Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

6 investors own more than 5%.

  • Patriot Financial Partners GP IV, L.P.
    Passive investor
    at least 10.0%
    (filed with 5 related holders)
    Since 8 August 2025
    What they said

    The Patriot Funds acquired the Common Stock reported herein for investment purposes and the acquisition of shares of Common Stock was not motivated by an intent to exercise control, directly or indirectly, over the management, policies or business operations of the Issuer.…

    Read the filing
  • AllianceBernstein L.P.
    Passive investor
    7.8%
    Since 30 September 2025
  • Fourthstone LLC
    Passive investor
    at least 6.4%
    (filed with 5 related holders)
    Since 30 June 2026
  • at least 6.4%
    (filed with 3 related holders)
    Since 30 September 2025
  • Banc Fund X L.P.
    Passive investor
    at least 5.5%
    (filed with 3 related holders)
    Since 31 December 2025
  • BlackRock, Inc.
    Passive investor
    5.4%
    Since 30 June 2026

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 2 sold $6m.

  • ROSINUS MIKE
    Director
    Sold
    Date
    9 September 2026
    Shares
    1,500
    Price
    $31.45
    Value
    $47,175
  • WASSON ARTHUR
    EVP, Chief Revenue Officer
    Sold
    Date
    14 August 2026
    Shares
    10,000
    Price
    $33.14
    Value
    $331,400
  • ROSINUS MIKE
    Director
    Sold
    Date
    16 March 2026
    Shares
    56,882
    Price
    $27.41
    Value
    $2m
  • ROSINUS MIKE
    Director
    Sold
    Date
    13 March 2026
    Shares
    7,953
    Price
    $27.49
    Value
    $218,628
  • ROSINUS MIKE
    Director
    Sold
    Date
    10 March 2026
    Shares
    19,318
    Price
    $28.28
    Value
    $546,313
  • ROSINUS MIKE
    Director
    Sold
    Date
    9 March 2026
    Shares
    15,847
    Price
    $28.09
    Value
    $445,142
  • ROSINUS MIKE
    Director
    Sold
    Date
    6 March 2026
    Shares
    9,659
    Price
    $28.10
    Value
    $271,418
  • ROSINUS MIKE
    Director
    Sold
    Date
    4 March 2026
    Shares
    16,175
    Price
    $29.05
    Value
    $469,884
  • ROSINUS MIKE
    Director
    Sold
    Date
    2 March 2026
    Shares
    2,499
    Price
    $29.01
    Value
    $72,496
  • ROSINUS MIKE
    Director
    Sold
    Date
    27 February 2026
    Shares
    1,000
    Price
    $29.55
    Value
    $29,550

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the warning signs we check for were found.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 18 Mar 2026, plus the 10-Q filed 12 Aug 2026 and 5 later 8-Ks.

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.