Avidia Bancorp, Inc.

AVBC

$22.18

+0.09%

2026-09-03 13:28:22 EDT+$0.02

Financial Services

Banks - Regional

NYSE

Active Trading

Avidia Bancorp, Inc., which serves as the parent entity for Avidia Bank, delivers a comprehensive array of financial products and services to ...

Price Action of AVBC

$22.18

+0.09%+$0.02

High—

Low—

52W High-2.9%

Rel. vol—

Interval

Range4.6h

Volume—SMA5SMA10

—

Avidia Bancorp, Inc. (AVBC) is a financial holding company headquartered in Hudson, Massachusetts, serving as the parent entity for Avidia Bank, a mutual community bank with deep roots dating back to 1869. The company operates in the regional banking sector, providing a comprehensive suite of financial products and services to ...Avidia Bancorp, Inc. (AVBC) is a financial holding company headquartered in Hudson, Massachusetts, serving as the parent entity for Avidia Bank, a mutual community bank with deep roots dating back to 1869. The company operates in the regional banking sector, providing a comprehensive suite of financial products and services to individual consumers and corporate clients. Its deposit offerings include checking accounts (both interest-bearing and non-interest-bearing), savings accounts, money market accounts, certificates of deposit, and individual retirement accounts (IRAs). On the lending side, Avidia extends a broad spectrum of credit facilities, including commercial and industrial loans, residential mortgages (single-family, home equity, and second mortgages), multi-family and commercial real estate financing, construction and land development loans, as well as consumer loans such as auto loans and general business term loans. Additionally, the bank provides payment processing solutions and strategically invests in securities, primarily U.S. Treasury, government agency, and municipal bonds. As of the latest financial data, the company has a market capitalization of approximately $431.6 million, with a stock price of $21.50. The company's revenue per share is $8.23, and it maintains a net profit margin of 11.5%. The return on equity is 4.6%, and the price-to-earnings ratio stands at 22.6. Avidia Bancorp recently completed its initial public offering on July 31, 2025, selling over 19 million shares and raising approximately $191.8 million. The company employs 241 full-time employees and is led by CEO Robert D. Cozzone, who has been in the role since March 2023. The company is committed to community values, having given back $491,104 in 2023. With a strong focus on customer service and local engagement, Avidia Bank continues to build on its heritage while expanding its presence in the regional banking market.ExpandCollapse

Founded

1869

Employees

241

CEO

Robert D. Cozzone

Full Name

Avidia Bancorp, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

4.62%

Market Cap

$0.45B

WACC

7.71%

ROIC

25.51%

Contact Information

https://www.avidiabank.com

800 508 2265

42 Main Street, Hudson, MA 01749

Key Metrics of AVBC

Snapshot

Latest / TTM · 6 periods

Market Cap

$445.29M

ROCE

0.8%

EV / EBITDA

24.61x

+1.2% YoY

FCF Yield

7.0%

+7.0% YoY

Cash Conversion Cycle

20.8d

Current Ratio

0.00

Quick take

TTM —

Current ratio below 1.0

Positive CCC

Financial Highlights of AVBC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

71.1%

Net Margin

11.5%

P/E Ratio

23.32x

n/a

Debt / Equity

0.48

n/a

Current Ratio

0.00

Dividend Yield

0.7%

Understanding

TTM —

Current ratio below 1.0

Calendar of AVBC

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.38 · Revenue $30.08M · 1 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.35 · Revenue $30.43M · 1 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $1.44 · Revenue $118.64M · 1 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.34 · Revenue $33.17M · 1 analysts

Recent history

Aug 27, 2026
Dividend payment
$0.10 per share
Aug 18, 2026
Ex-dividend date
$0.10 per share
Aug 13, 2026
Q2 FY2026 · Results reported
EPS $0.39 · Revenue $39.14M
View filing
May 14, 2026
Q1 FY2026 · Results reported
EPS $0.32 · Revenue $37.88M
View filing
Mar 27, 2026
FY2025 · Annual results
EPS $-0.18 · Revenue $147.61M
View filing
Nov 14, 2025
Q3 FY2025 · Results reported
EPS $-0.05 · Revenue $38.41M
View filing

Financial Statements of AVBC

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$147.6M	+4.9%	+3.3%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$-3.3M	-128.6%	+19.6%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+55.6%	-11.5%	+3.2%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	-3.9%	-135.2%	+12.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	-2.2%	-127.3%	+15.7%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$0	-100.0%	—
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	0.0%	-100.0%	—
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	75.9%	-58.3%	-20.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.02x	-88.3%	—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$2.8B	+6.8%	-1.0%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	-0.18 vs 0.25	-172.0%	0.39 vs 0.34	+14.7%
Revenue Surprise	$147.6M vs $104.4M	+41.4%	$39.1M vs $28.8M	+35.9%

Insider Transactions of AVBC

Acquisitions (A)

Since May 29, 2026

Disposals (D)

Since May 29, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 26, 2026	Grimaldo Joseph F	director	Common Stock	A	5,000	$22.02
Aug 17, 2026	Doane Thomas	officer: EVP- Human Resources	Common Stock	A	1,726	$22.31
Aug 11, 2026	Saul Kennedy O	director	Common Stock	A	872	$21.67
Aug 11, 2026	Saul Kennedy O	director	Common Stock	A	4,278	$21.65
Aug 11, 2026	Saul Kennedy O	director	Common Stock	A	79	$21.64

Leadership Team of AVBC

9 executives

Name	Title	Compensation	Gender	Year Born	Status
Robert D. Cozzone	Chief Executive Officer, President & Director	USD 1,752,201	Male	1971	Active
Jonathan Michael Nelson	Executive Vice President, Chief Financial Officer & Treasurer	USD 579,385	Male	1981	Active
Bartholomew H. Murphy Jr.	Executive Vice President & Chief Operating Officer	USD 492,263	Male	1965	Active
Robert W. Conery	Executive Vice President & Chief Operating Officer	USD 492,263	Male	1964	Active
Donald J. Frost	Executive Vice President of Consumer Banking	USD 408,289	Male	1972	Active
Barry H. Jensen	Executive Vice President & Chief Administrative Officer	—	Male	1965	Active
Nicolas Karmelek	Executive Vice President & Chief Risk Officer	—	Male	1984	Active
Thomas Doane	Executive Vice President of Human Resources	—	Male	1974	Active
Linda Marrone	Corporate Secretary	—	—	1964	Active

Recent News of AVBC

Zacks Investment Research8/17/2026Neutral

Avidia Bancorp, Inc. (AVBC) Is Up 3.12% in One Week: What You Should Know

Does Avidia Bancorp, Inc. (AVBC) have what it takes to be a top stock pick for momentum investors? Let's find out.

Zacks Investment Research8/13/2026Neutral

What Makes Avidia Bancorp, Inc. (AVBC) a Good Fit for 'Trend Investing'

If you are looking for stocks that are well positioned to maintain their recent uptrend, Avidia Bancorp, Inc. (AVBC) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.

Zacks Investment Research8/11/2026Neutral

Implied Volatility Surging for Avidia Bancorp Stock Options

Investors need to pay close attention to AVBC stock based on the movements in the options market lately.

Zacks Investment Research7/28/2026Neutral

Here's Why 'Trend' Investors Would Love Betting on Avidia Bancorp, Inc. (AVBC)

Zacks Investment Research7/27/2026Neutral

Surging Earnings Estimates Signal Upside for Avidia Bancorp, Inc. (AVBC) Stock

Avidia Bancorp, Inc. (AVBC) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Historical Employee Count of AVBC

Current

241

Minimum

241

Maximum

241

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	241	10-K	Mar 27, 2026	View

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Avidia Bancorp, Inc.