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Stock Ratings / Financials / AVBH / dividends
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Avidbank Holdings Inc. (AVBH) Dividend Safety Gauge & 10-Year DRIP Compounder

$34.12 -0.12% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.05

Avidbank Holdings Inc. (AVBH) carries a Roarable Rating of D+ (Sell) with 58/100 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.

ROARABLE D+ • SELL / AVOID Cap $375.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AVBH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Avidbank Holdings Inc. (NASDAQ: AVBH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $34.12 (-0.12% 1D, market cap $375.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, AVBH ranks #466 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AVBH compare to SUPV and VBNK in the Financials sector?
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Within the Financials sector (Commercial Banks), AVBH carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -7.0%. By comparison, SUPV (Grupo Supervielle S.A. each Representing five (Class B)) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $588.3M) and VBNK (VersaBank) posts a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $711.9M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AVBH?
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Per AVBH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001443575), Avidbank Holdings Inc. generated $1.08B in revenue (+11.5% YoY), -$19.6M in net income, and $38.9M in free cash flow against $2.57B 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $34.05 (-0.21%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-
Cash (10)Whales (14)SEC (10)Macro (14)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$40 Bull$34 Base$27 Bear
📬 FREE AVBH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AVBH)Realized 20D OHLCV Swing Band: ±3.8%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY AVBH SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (24% of score)

20D Institutional Volume Accumulation (±3.8% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (24% of score)

FRED Regime × Technicals: 94% of 52W Range • RSI-14 at 77.1 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$30.95+0.4% Next Q
Q2 (-2Q)
53
Grade C-$31.06+5.6% Next Q
Q3 (-1Q)
55
Grade C$32.80+4% Next Q
Current
58
Grade D+$34.12+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AVBH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, AVBH 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.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.66) or 200D SMA ($30.68) invalidates the momentum regime and cuts Target Base ($34.12) toward Bear Floor ($26.61).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AVBH• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AVBH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AVBH)

  • ✓Walkthrough of AVBH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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AVBH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.61%📐 HORIZONTAL RANGE
2026-11-03O $34.16H $34.16L $34.12C $34.12VOL 89.7K
RES: $34.78SUP: $30.72SMA50: $31.66SMA200: $30.68
$35.34$32.98$30.62$28.26$25.90RES $34.78SUP $30.72$34.122026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AVBH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AVBH Butterfly Map → + Track AVBH →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +11.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AVBH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AVBH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AVBH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AVBH)

Financials Rank #466 of 1097 ⚔️ SUPV vs AVBH Full Matrix →

1. Head-to-Head Financials Peer Comparison (AVBH vs. SUPV, VBNK, PGC, AGBK)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Avidbank Holdings Inc. (AVBH) ranks #466 by composite RQD confidence (58/100, grade D+) and #764 by equity capitalization ($375.2M). Within this direct 5-issuer industry benchmark cohort, PGC leads on earnings valuation at 21.8x trailing P/E, while PGC leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. PGC currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with AVBH at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AVBH ACTIVE
Avidbank Holdings Inc.
D+ 58/100 — — -7.0% -0.12% $375.2M Benchmark Subject
SUPV
Grupo Supervielle S.A. each Representing five (Class B)
D- 43/100 — — — -3.88% $588.3M /supv-vs-avbh →
VBNK
VersaBank
D+ 55/100 — — — -2.75% $711.9M /vbnk-vs-avbh →
PGC
Peapack-Gladstone Financial Corporation
C- 59/100 21.8x — 5.7% -1.26% $803.6M /pgc-vs-avbh →
AGBK
AGI Inc (Class A)
D 45/100 — — — +0.59% $824.7M /agbk-vs-avbh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001443575 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Avidbank Holdings Inc. (AVBH) reported GAAP revenue of $1.08B (+11.5% vs. FY2024 revenue of $967.9M ) , GAAP net income of -$19.6M, operating cash flow of $39.0M, and free cash flow of $38.9M (+72.0% YoY). On the balance sheet, AVBH closed FY2025 with $2.57B 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 $1.08B -$19.6M $39.0M $38.9M $2.57B —
FY2024 (FY) 2024-12-31 $967.9M $21.0M $22.7M $22.6M $2.30B —

3. AVBH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AVBH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Avidbank Holdings Inc. (NASDAQ: AVBH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $34.12 (-0.12% 1D, market cap $375.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, AVBH ranks #466 in composite RQD confidence.

How does AVBH compare to SUPV and VBNK in the Financials sector?

Within the Financials sector (Commercial Banks), AVBH carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -7.0%. By comparison, SUPV (Grupo Supervielle S.A. each Representing five (Class B)) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $588.3M) and VBNK (VersaBank) posts a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $711.9M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AVBH?

Per AVBH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001443575), Avidbank Holdings Inc. generated $1.08B in revenue (+11.5% YoY), -$19.6M in net income, and $38.9M in free cash flow against $2.57B 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.

Where is AVBH trading relative to its 50-day, 200-day, and 52-week technical levels?

AVBH last traded at $34.12 (-0.12% on volume of 89,741 shares), positioning the stock +7.77% above its 50-day simple moving average ($31.66) and +11.21% above its 200-day simple moving average ($30.68). Across its 52-week range of $24.03 to $34.77, AVBH sits at the 93.9% percentile with a 14-day RSI of 77.1 (OVERBOUGHT (>70)) and an implied next-earnings move of ±3.8% ($32.82 to $35.42).

Direct Sub-Reports: AVBH RQD Cockpit AVBH 12M Forecast AVBH Earnings & Move AVBH Dividends & DRIP AVBH Insiders & 13F AVBH Whale Options AVBH Profit Sankey AVBH News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

AVBH — Avidbank Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Avidbank Holdings Inc. (AVBH) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $34.12 (-0.12% 1D, market capitalization $375.2M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -7.0%, gross margin of —, operating margin of —, and free cash flow yield of 10.37%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Avidbank Holdings Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Commercial Banks industry..4B. —: specific products, customer segments, or revenue model details.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Avidbank Holdings Inc. (AVBH) reported $1.08B in annual revenue (up from $967.9M in FY2024, +11.5% YoY) and -$19.6M in GAAP net income. Over the multi-year SEC filing window from FY2024 ($967.9M revenue, $21.0M net income) through FY2025, AVBH scaled operating cash flow to $39.0M and free cash flow to $38.9M, backed by $2.57B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 10.37% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $24.03 – $34.77 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph lists no upstream or downstream dependencies, no sector correlations, and no proprietary signals.

  • Key Question #1: Can AVBH sustain or expand its — operating margin and -7.0% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.08B and free cash flow of $38.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is AVBH's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

AVBH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Avidbank Holdings Inc. (AVBH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AVBH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AVBH Bull vs. Bear Conversation Board — What's Your Call at $34.12?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AVBH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on AVBH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $41.97 (+23.0%)
📌 Pinned Debate

Reported FCF yield of 10.37% and a 52-week price rise to $34.16 from a low of $24.03, alongside recent feed headlines citing Q3 earning

The street is overcomplicating Avidbank Holdings Inc. (AVBH). Reported FCF yield of 10.37% and a 52-week price rise to $34.16 from a low of $24.03, alongside recent feed headlines citing Q3 earnings beats.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $36.85.

VolSurface_Trader 🐂 BULL

Both sides have a point here — AVBH's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $27.98 (-18.0%)
Spot @ $34.12

ROIC of -7%, Piotroski F-Score of 3/9, and an RQD rating of D+ with a Roarable Sell verdict, with insider conviction pillar scored 10/2

Sitting on the sidelines or leaning short AVBH above $34.12. ROIC of -7%, Piotroski F-Score of 3/9, and an RQD rating of D+ with a Roarable Sell verdict, with insider conviction pillar scored 10/20.. Until Fundamental Cash Engine (10/20) and FCF yield (10.37%) inflect higher, upside is capped near $34.77.

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