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Avidbank Holdings Inc. (AVBH) — RQD Stock Rating Cockpit

$34.16 +1.37% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.18

Avidbank Holdings Inc. (AVBH) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $375.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AVBH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AVBH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Avidbank Holdings Inc. (NASDAQ: AVBH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $34.16 (+1.37% 1D, market cap $375.6M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, AVBH ranks #498 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AVBH compare to SUPV and VBNK in the Financials sector?

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Within the Financials sector (Commercial Banks), AVBH carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -7.0%. By comparison, SUPV (Grupo Supervielle S.A. each Representing five (Class B)) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $612.0M) and VBNK (VersaBank) posts a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $732.0M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AVBH?

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Per AVBH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001443575), Avidbank Holdings Inc. generated $0 in revenue, -$19.6M in net income, and $38.9M in free cash flow against $2.57B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $34.18 (+0.06%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AVBH)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY AVBH SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (24% of score)

20D Institutional Volume Accumulation (±3.9% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (24% of score)

FRED Regime × Technicals: 94% of 52W Range • RSI-14 at 77.9 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$31.20-1.3% Next Q

Q2 (-2Q)

Grade C-$30.78+2.6% Next Q

Q3 (-1Q)

Grade C$31.57+8.2% Next Q

Current

Grade D+$34.16+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AVBH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, AVBH faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.62) or 200D SMA ($30.65) invalidates the momentum regime and cuts Target Base ($34.16) toward Bear Floor ($26.64).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AVBH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AVBH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

77.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE94% OF RANGE

L: $24$34.16H: $35

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on AVBH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

-7.0% ROIC with 42.0% gross margin and 10.37% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (63)

24/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like AVBH

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AVBH)

✓Walkthrough of AVBH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

AVBH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.75%📐 HORIZONTAL RANGE

2026-11-02O $33.70H $34.16L $33.70C $34.16VOL 133.2K

RES: $36.33SUP: $30.71SMA50: $31.62SMA200: $30.65

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AVBH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AVBH Butterfly Map → + Track AVBH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AVBH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AVBH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AVBH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AVBH)

Financials Rank #498 of 1096 ⚔️ SUPV vs AVBH Full Matrix →

1. Head-to-Head Financials Peer Comparison (AVBH vs. SUPV, VBNK, PGC, AGBK)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Avidbank Holdings Inc. (AVBH) ranks #498 by composite RQD confidence (58/100, grade D+) and #766 by equity capitalization ($375.6M). Within this direct 5-issuer industry benchmark cohort, PGC leads on earnings valuation at 21.8x trailing P/E, while PGC leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. PGC currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with AVBH at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AVBH ACTIVE Avidbank Holdings Inc.	D+	58/100	—	—	-7.0%	+1.37%	$375.6M	Benchmark Subject
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D-	43/100	—	—	—	+0.30%	$612.0M	/supv-vs-avbh →
VBNK VersaBank	D+	57/100	—	—	—	+0.71%	$732.0M	/vbnk-vs-avbh →
PGC Peapack-Gladstone Financial Corporation	C-	60/100	21.8x	—	5.7%	-0.56%	$813.9M	/pgc-vs-avbh →
AGBK AGI Inc (Class A)	D	45/100	—	—	—	+0.39%	$819.9M	/agbk-vs-avbh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001443575

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Avidbank Holdings Inc. (AVBH) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$19.6M, operating cash flow of $39.0M, and free cash flow of $38.9M (+72.0% YoY). On the balance sheet, AVBH closed FY2025 with $2.57B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$19.6M	$39.0M	$38.9M	$2.57B	—
FY2024 (FY)	2024-12-31	$0	$21.0M	$22.7M	$22.6M	$2.30B	—

3. AVBH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AVBH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does AVBH compare to SUPV and VBNK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for AVBH?

Where is AVBH trading relative to its 50-day, 200-day, and 52-week technical levels?

AVBH last traded at $34.16 (+1.37% on volume of 133,235 shares), positioning the stock +8.03% above its 50-day simple moving average ($31.62) and +11.45% above its 200-day simple moving average ($30.65). Across its 52-week range of $24.03 to $34.77, AVBH sits at the 94.3% percentile with a 14-day RSI of 77.9 (OVERBOUGHT (>70)) and an implied next-earnings move of ±3.9% ($32.83 to $35.49).

AVBH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell AVBH stock right now?

Avidbank Holdings Inc. (AVBH) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at current multiples (-7% return on capital) under elevated 10-year interest-rate pressure.

What is AVBH's 12-month price target and RQD AI Jury consensus?

AVBH's 12-month base price target is $34.16 (range $26.64 to $40.31), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: AVBH RQD Cockpit AVBH 12M Forecast AVBH Earnings & Move AVBH Dividends & DRIP AVBH Insiders & 13F AVBH Whale Options AVBH Profit Sankey AVBH News & Why