AVBC
Avidia Bancorp, Inc.Financial Services·Banks - Regional
$19.06
$383M market cap
Revenue
$75.4M
Free Cash Flow
$8.0M
Rev Growth
+0.0%
FCF Margin
10.6%
P/FCF
47.7x
EV/FCF
74.4x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. The company also offers commercial and industrial loans, one-to four-family residential mortgage loans, home equity loans and second mortgage loans, multi-family mortgage
2-Year Price History
$19.11+31.2%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 37.9 | 8.2 | 8.2 | 6.0 | 0.0 | 0.0 | -0.0 | 19.2 | 232.9 | 18.6 | 6.7% | 0.8x | -- |
| Act | 2025-Q4 | 37.5 | 7.8 | 7.8 | 5.3 | 8.8 | 8.0 | -0.8 | 15.9 | 287.8 | 18.5 | 5.2% | 0.8x | -- |
Valuation & Metrics
Market Stats
Price$19.06
Market Cap$383M
Enterprise Value$596M
P/S Ratio5.1x
P/FCF47.7x
EV/FCF74.4x
FCF Margin (TTM)10.6%
FCF Yield2.1%
Dividend Yield (TTM)0.5%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$75.4M
Net Income$11.3M
Free Cash Flow$8.0M
Revenue Growth (YoY)+0.0%
EBITDA Margin21.1%
Net Margin15.0%
FCF Margin10.6%
CapEx % of Revenue1.1%
SBC % of Revenue0.6%
ROIC5.9%
WC Change % Rev-0.2%
Interest Coverage0.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.2
Change (vs Prior)+13.6%
Need at least 2 settlement dates for chart
Employees
Headcount250
Revenue / Employee$301,436
Gross Profit / Employee$213,148
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
24.0%(+8.0% YoY)
55 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
7.9%(+2.0% YoY)
7 filers
Vanguard, iShares, SPDR
Market makers
0.5%(+0.5% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| T. Rowe Price Investment Management, Inc. | $23.6M | $14.98 | +$621K | +$23.6M | -1.3% | $145.22B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $16.2M | $19.62 | +$16.1M | +$16.2M | — | $4.04T |
| WELLINGTON MANAGEMENT GROUP LLP | $15.3M | $14.86 | −$587K | +$15.3M | -0.3% | $533.98B |
| FJ Capital Management LLC | $9.8M | $14.86 | +$0 | +$9.8M | -0.8% | $888M |
| MILLENNIUM MANAGEMENT LLC | $6.4M | $18.99 | +$5.0M | +$6.4M | -0.5% | $127.40B |
| BlackRock, Inc.Passive | $5.4M | $14.90 | −$46K | +$5.4M | -0.2% | $5.69T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $4.3M | $15.39 | +$452K | +$4.3M | +2.3% | $1.61T |
| TWO SIGMA INVESTMENTS, LP | $4.2M | $15.71 | +$1.0M | +$4.2M | -0.9% | $117.03B |
| HENNESSY ADVISORS INC | $3.0M | $17.36 | +$1.2M | +$3.0M | +0.4% | $2.77B |
| MORGAN STANLEY | $2.4M | $17.42 | +$702K | +$2.4M | -0.3% | $1.65T |
| VANGUARD FIDUCIARY TRUST COPassive | $2.3M | $19.62 | +$2.3M | +$2.3M | — | $395.83B |
| ALLIANCEBERNSTEIN L.P. | $2.3M | $15.42 | +$0 | +$2.3M | -0.3% | $307.70B |
| MARSHALL WACE, LLP | $2.0M | $17.35 | +$431K | +$2.0M | +0.6% | $92.71B |
| GOLDMAN SACHS GROUP INC | $1.9M | $16.24 | +$644K | +$1.9M | -0.2% | $760.93B |
| Russell Investments Group, Ltd. | $1.5M | $19.62 | +$1.5M | +$1.5M | +1.5% | $93.03B |
| FRANKLIN RESOURCES INC | $1.5M | $14.86 | −$4K | +$1.5M | -0.2% | $403.03B |
| COMMONWEALTH EQUITY SERVICES, LLC | $1.5M | $15.70 | +$144K | +$1.5M | -0.3% | $71.14B |
| WHITE PINE CAPITAL LLC | $1.5M | $18.36 | +$818K | +$1.5M | -0.0% | $355M |
| STATE STREET CORPPassive | $1.2M | $16.28 | +$153K | +$1.2M | -0.2% | $2.89T |
| SUSQUEHANNA INTERNATIONAL GROUP, LLPMM | $1.2M | $19.62 | +$1.2M | +$1.2M | -0.6% | $77.14B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.48%
avg per quarter
Holders (ex-self)
-0.48%
excl. this stock
Buyers (this Q)
-0.13%
38 buyers · $0.04B in
Sellers (this Q)
+3.22%
12 sellers · $-0.00B out
alpha coverage: 85% of $ has a lifetime-alpha record
Holder behavior (holder profile)source: holder
On big dips (−10%+)
-7.0%
how holders react when this stock falls
On quiet Qs
-5.4%
−10% to +10% baseline
On rallies (+10%+)
-0.8%
how they react when this stock rises
Holders' portfolio flow this Q
+1.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.3%
Sellers grew AUM elsewhere — opinionated cut of this stock.
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 56.9%
T. Rowe Price Investment Management, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
WELLINGTON MANAGEMENT GROUP LLP--
FJ Capital Management LLC--
MILLENNIUM MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
T. Rowe Price Investment Management, Inc.1.2MWELLINGTON MANAGEMENT GROUP LLP778KFJ Capital Management LLC497KMILLENNIUM MANAGEMENT LLC323KM3F, Inc.—TWO SIGMA INVESTMENTS, LP211KHENNESSY ADVISORS INC155KMORGAN STANLEY124KALLIANCEBERNSTEIN L.P.135KMARSHALL WACE, LLP101K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$1.59M
39 txns · 10 insiders · 92,960 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-18 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 500 | $18.88 | $9K | $793K |
| 2026-05-14 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 500 | $19.26 | $10K | $799K |
| 2026-05-14 | BUY | GILLES MICHAEL O | director | 1,000 | $19.50 | $20K | $489K |
| 2026-05-13 | BUY | Cozzone Robert D | director, officer: President & CEO | 2,023 | $19.77 | $40K | $1.29M |
| 2026-05-13 | BUY | GILLES MICHAEL O | director | 4,000 | $19.50 | $78K | $370K |
| 2026-05-08 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 1,000 | $20.19 | $20K | $828K |
| 2026-04-29 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 1,000 | $20.30 | $20K | $812K |
| 2026-04-28 | BUY | Karmelek Nicolas | officer: EVP and CRO | 2,429 | $20.76 | $50K | $160K |
| 2026-04-28 | BUY | Murphy Michael Dennis | director, other: Chairman of the Board | 1,850 | $20.94 | $39K | $39K |
| 2026-04-28 | BUY | Doane Thomas | officer: EVP- Human Resources | 2,040 | $21.16 | $43K | $370K |
| 2026-04-27 | BUY | BALL JAMES N | director | 5,000 | $20.60 | $103K | $1.03M |
| 2026-03-18 | BUY | Murphy Bartholomew H JR | officer: EVP & Chief Operating Off | 1,500 | $19.15 | $29K | $440K |
| 2026-03-12 | BUY | Girard Michael R | director | 450 | $18.80 | $8K | $18K |
| 2026-03-12 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 1,000 | $18.69 | $19K | $729K |
| 2026-03-12 | BUY | Murphy Bartholomew H JR | officer: EVP & Chief Operating Off | 440 | $18.62 | $8K | $194K |
| 2026-03-09 | BUY | Murphy Bartholomew H JR | officer: EVP & Chief Operating Off | 1,500 | $19.09 | $29K | $410K |
| 2026-03-09 | BUY | Nelson Jonathan Michael | officer: CFO and Treasurer | 2,579 | $19.39 | $50K | $434K |
| 2026-03-02 | BUY | Cozzone Robert D | director, officer: President & CEO | 1,064 | $18.79 | $20K | $1.19M |
| 2026-03-02 | BUY | Karmelek Nicolas | officer: EVP and CRO | 1,090 | $18.59 | $20K | $121K |
| 2026-02-23 | BUY | Jensen Barry H | officer: EVP and Chief Admin Officer | 2,000 | $18.71 | $37K | $711K |
Order Flow (FINRA, ~3w lag)
8.7%retail-1.1pp
16.7%dark-5.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Avidia Bancorp, Inc.: A Quiet Regional Player Under the Emerging Growth Veil
Overall Risk
3/10
Fraud
1/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10