/
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
In this Annual Report the terms "we," "our," and "us" refer to Avidia Bancorp, Inc. and Avidia Bank, unless the context indicates another meaning. In addition, we sometimes refer to Avidia Bancorp, Inc. as "Avidia Bancorp" or the "Company" and to Avidia Bank as the "Bank." BUSINESS OF AVIDIA BANCORP, INC.
$21.92
$0.26 (-1.17%)
EOD Sep 15, 2026
At 23x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 129% YoY, profitability momentum has weakened.
23.1x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$18M
▼ -128.6% YoY
Net Margin
—
P/E
23.1x
Balance Sheet
Total Assets
$2.78B
Equity
$390M
Total Debt
$5M
Cash & Equiv.
N/A
Continue Research
SourceComputed from the 10-Q filed 13 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 14 Aug 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 23.1 and a price-to-free-cash-flow of 8.5, Avidia Bancorp (AVBC) trades below a two-stage DCF intrinsic value of about $130.62 per share, so at $21.92 the stock looks undervalued (495.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Avidia Bancorp scores 36/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $130.62 per share for AVBC, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $97.97. At today's $21.92, that puts the stock about 495.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Avidia Bancorp scores 36 out of 100 on Intrinsiqq's quality score, a weighted blend of 5 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. AVBC currently trades below its estimated intrinsic value and scores 36/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.