Avidia Bancorp, Inc. (AVBC) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Avidia Bancorp reported revenue of $103.6M. Net income was -$3.3M (a -3.2% net margin), or -$0.18 per diluted share. Net interest income was $86.5M, and the efficiency ratio (noninterest expense / revenue) was 84.8%. Operating activities generated $28.4M of cash, leaving $24.1M of free cash flow. At fiscal year end, Avidia Bancorp held $2.84B in total assets against $2.46B in total liabilities.
Open the full interactive Avidia Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Avidia Bancorp Key Stats
| Share Price | $21.95 |
|---|---|
| Market Cap | $407.8M |
| 52-Week Range | $14.26 – $22.59 |
| Shares Outstanding | 18.6 million (basic, 2026 Q2) |
Avidia Bancorp Income Statement
| FY 2025 | |
|---|---|
| Net Interest Income | $86.5M |
| Provision for Credit Losses | $21.7M |
| Noninterest Income | $17.0M |
| Noninterest Expense | $87.8M |
| Revenue | $103.6M |
| Pre-Tax Income | -$5.7M |
| Income Tax | -$2.4M |
| Net Income | -$3.3M |
| Diluted EPS | -$0.18 |
Avidia Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $28.0M | $26.8M | $28.3M | $29.9M |
| Net Income | -$907,000 | $5.3M | $6.0M | $7.2M |
| Diluted EPS | -$0.05 | $0.29 | $0.32 | $0.39 |
Avidia Bancorp Balance Sheet
| FY 2025 | |
|---|---|
| Loans (Net) | $2.28B |
| Total Assets | $2.84B |
| Deposits | $2.13B |
| Total Long-Term Debt | $287.8M |
| Total Liabilities | $2.46B |
| Shareholders' Equity | $379.0M |
Avidia Bancorp Cash Flow Statement
| FY 2025 | |
|---|---|
| Cash From Operations | $28.4M |
| Cash From Investing | -$111.6M |
| Cash From Financing | $166.2M |
| Free Cash Flow | $24.1M |
Figures from Avidia Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Avidia Bancorp financials page for every line item.
Avidia Bancorp Company Profile
| Ticker | AVBC |
|---|---|
| Exchange | NYSE |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Hudson, Massachusetts |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0002058758 |
Frequently Asked Questions
What was Avidia Bancorp's revenue in fiscal 2025?
Avidia Bancorp (AVBC) reported revenue of $103.6M for fiscal 2025.
What was Avidia Bancorp's net income in fiscal 2025?
Avidia Bancorp reported net income of -$3.3M for fiscal 2025.
What was Avidia Bancorp's earnings per share (EPS) in fiscal 2025?
Avidia Bancorp's diluted EPS was -$0.18 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Avidia Bancorp generate in fiscal 2025?
Avidia Bancorp generated $24.1M of free cash flow in fiscal 2025.
What was Avidia Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Avidia Bancorp reported revenue of $29.9M.
How much debt does Avidia Bancorp have?
Avidia Bancorp reported $287.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Avidia Bancorp are outstanding?
Avidia Bancorp reported a weighted average of 18.6 million basic shares outstanding in 2026 Q2.
What is Avidia Bancorp's market cap?
Based on its latest closing price, Avidia Bancorp (AVBC) has a market capitalization of about $407.8M.
When does Avidia Bancorp's fiscal year end?
Avidia Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Avidia Bancorp headquartered?
Avidia Bancorp lists its business address in Hudson, Massachusetts in its SEC filings.
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