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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 98% of 52W Range • RSI-14 at 74.1 (OVERBOUGHT (>70))
SEC XBRL FY 2025 (10-K): 0.6% FCF Margin ($24.1M FCF) & 52% Gross Margin
Disciplined Float (-0.12% YoY Shares) & executive Form 4 sales trim 12 pts from alignment
Even with a 56/100 (D+) score, AVBC 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.
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.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.11) or 200D SMA ($20.40) invalidates the momentum regime and cuts Target Base ($23.33) toward Bear Floor ($18.20).
Avidia Bancorp Inc. (AVBC) advanced +1.20% to $23.54, trading at 98% of its 52-week range ($14.84 – $23.72). Stretched risk/reward at current multiples (-1% return on capital) under elevated 10-year interest-rate pressure.
Avidia Bancorp, Inc. (AVBC) delivered earnings and revenue surprises of +23.68% and +3.57%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AVBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AVBC. Explore sector supply chains on /butterfly.
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 → |
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 | — |
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.
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).
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.
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).
Why AVBC Stock advanced +1.20% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-1% return on capital) under elevated 10-year interest-rate pressure.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Paper Trading Arena account.