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Avidia Bancorp Inc. (AVBC) 12-Month Stock Forecast & Price Target Cone

$23.54 +1.20% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Avidia Bancorp Inc. (AVBC) carries a Roarable Rating of D+ (Sell) with 56/100 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.

ROARABLE D+ • SELL / AVOID Cap $470.1M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

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-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AVBC)Realized 20D OHLCV Swing Band: ±3.5%

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your AVBC Position Size: $10,000

Shares at $23.54: 424.8 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $18.20

$7,732

$-2,268 (-22.7%)

12M Consensus BaseTarget $23.33

$9,911

$-89 (-0.9%)

12M Bull Case BreakoutTarget $27.53

$11,695

+$1,695 (+16.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 6

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$24	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$26	69%	B
JP MorganUS Large-Cap Research	SELL	$21	58%	C

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 AVBC)

✓Walkthrough of AVBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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AVBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.34%⚡ TESTING RESISTANCE

2026-10-30O $23.54H $23.72L $23.43C $23.54VOL 122.0K

RES: $23.76SUP: $21.98SMA50: $22.11SMA200: $20.40

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

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

🦋 AVBC Butterfly Map → + Track AVBC →

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 AVBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AVBC 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 (AVBC)

Financials Rank #681 of 1096 ⚔️ HBCP vs AVBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (AVBC vs. HBCP, PBFS, NECB, TSBK)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Avidia Bancorp Inc. (AVBC) ranks #681 by composite RQD confidence (56/100, grade D+) and #718 by equity capitalization ($470.1M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with AVBC at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AVBC ACTIVE Avidia Bancorp Inc.	D+	56/100	—	—	-0.9%	+1.20%	$470.1M	Benchmark Subject
HBCP Home Bancorp Inc.	C+	66/100	10.5x	—	10.6%	-0.11%	$483.0M	/hbcp-vs-avbc →
PBFS Pioneer Bancorp Inc.	C-	59/100	22.2x	—	6.3%	+0.28%	$450.1M	/pbfs-vs-avbc →
NECB NorthEast Community Bancorp Inc.	B	72/100	9.0x	—	12.6%	+1.15%	$398.8M	/necb-vs-avbc →
TSBK Timberland Bancorp Inc.	B-	71/100	12.6x	—	10.9%	+0.38%	$367.5M	/tsbk-vs-avbc →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002058758

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Avidia Bancorp Inc. (AVBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$3.3M, operating cash flow of $28.4M, and free cash flow of $24.1M (+17.8% YoY). On the balance sheet, AVBC closed FY2025 with $2.84B 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	-$3.3M	$28.4M	$24.1M	$2.84B	—
FY2024 (FY)	2024-12-31	$0	$11.5M	$23.2M	$20.4M	$2.66B	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Avidia Bancorp Inc. (NYSE: AVBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $23.54 (+1.20% 1D, market cap $470.1M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 8/20. Across 1096 tracked Financials issuers, AVBC ranks #681 in composite RQD confidence.

How does AVBC compare to HBCP and PBFS in the Financials sector?

Within the Financials sector (Banks), AVBC carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.9%. By comparison, HBCP (Home Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 10.5x, ROIC 10.6%, cap $483.0M) and PBFS (Pioneer Bancorp Inc.) posts a C- grade (59/100 RQD, P/E 22.2x, ROIC 6.3%, cap $450.1M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

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

Per AVBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002058758), Avidia Bancorp Inc. generated $0 in revenue, -$3.3M in net income, and $24.1M in free cash flow against $2.84B 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.

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

AVBC last traded at $23.54 (+1.20% on volume of 111,491 shares), positioning the stock +6.47% above its 50-day simple moving average ($22.11) and +15.39% above its 200-day simple moving average ($20.40). Across its 52-week range of $14.84 to $23.72, AVBC sits at the 98.0% percentile with a 14-day RSI of 74.1 (OVERBOUGHT (>70)) and an implied next-earnings move of ±3.5% ($22.72 to $24.36).

AVBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is AVBC's 12-month stock price target?

Avidia Bancorp Inc. (AVBC) carries a 12-month consensus base price target of $23.33 (-0.9% from $23.54), with a bull-case target of $27.53 and a bear-case floor of $18.2.

Is AVBC stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates AVBC D+ (Sell — SELL) with an RQD Confidence score of 56/100.

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