Avidbank Holdings Inc. (AVBH) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, AVBH carries an RQD Score of 58, a letter grade of D+, and the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars are scored as follows:

• Fundamental Cash Engine: 10 / 20 (ROIC -7%; FCF yield 10.37%). The negative ROIC is the primary drag here, though the reported FCF yield is a comparatively positive offset.
• Whale 13F Flow: 14 / 20 (institutional accumulation and options positioning). This is a moderate score; the source does not itemize the underlying 13F holdings.
• Insider Conviction: 10 / 20 (SEC Form 4 and Congressional PTR cluster flow). The low score indicates insider and Congressional activity is not providing strong conviction support.
• Macro Regime Fit: 14 / 20 (Beta 1.0; sector sensitivity). A beta of 1.0 implies market-level sensitivity, neither defensive nor aggressive.
• Forensic Balance Sheet: 10 / 20 (Altman Z 2.5; Piotroski F 3/9; Debt/Equity 0.5). The Piotroski score of 3/9 is weak, while the Altman Z and Debt/Equity figures are less alarming.

For a prospective investor evaluating the stock today, the rating points to weak fundamental quality relative to the other pillars. The upside case rests mainly on the reported FCF yield and the recent positive news flow; the downside case rests on negative ROIC, low insider conviction, and a weak Piotroski score. The rating's verdict is a trim signal, which suggests the composite data does not currently support adding exposure. This is an analytical framing of the source data, not personalized financial advice.

Avidbank Holdings Inc. is a NASDAQ-listed issuer classified under the Financials sector and the Commercial Banks industry, per the company profile. Per the profile, its market capitalization is $0.4B. Not available in source data: specific products, customer segments, or revenue model details.

Per the market data, gross, operating, and net margins are each reported as 0%, and ROIC is -7%. Per the RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 3/9, and Debt/Equity is 0.5. Per the SEC financials, net income moved from $21.0M in FY 2024 to $-19.6M in FY 2025, while cash rose from $82.7M to $154.6M. Revenue and operating income are reported as $0.0M for both periods, so the source does not allow a margin trend analysis.

Per the recent news feed, multiple outlets (Yahoo Finance, Simply Wall St, Quiver Quantitative, MarketBeat) report on AVBH's Q3 results, with headlines describing an earnings rebound, earnings and revenue beats versus estimates, a stock gain, and analyst target increases. Items are flagged as GREEN "CATALYST" (two items) or YELLOW "MARKET WIRE" (four items). The feed headlines describe Q3 2026 results as beating estimates; the underlying Q3 figures are not included in the source data. Risk watch: the feed contains no negative-tagged items, but the Piotroski and ROIC figures in the RQD rating represent unaddressed fundamental weakness. Per the Butterfly Supply-Chain Graph, the supply chain is "NONE," with no butterfly links or proprietary signals.

• What are the actual Q3 2026 revenue, net income, and EPS figures behind the reported earnings beat?
• Why are revenue and operating income reported as $0.0M, and what is the correct revenue base for margin analysis?
• What drove the swing in FY 2025 net income to $-19.6M from $21.0M in FY 2024?
• What are the trailing and forward earnings multiples, and EPS, needed to assess valuation?
• What are the debt figures and holder positions (13F, insider, Congressional) behind the whale and insider pillar scores?