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Upturn AI Summary - About
Avidia Bancorp, Inc.(AVBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AVBC
10/28/2026: AVBC (3-star) is a STRONG-BUY. BUY for 88 days. Simulated Profits (15.38%). Updated daily EoD!
Avidia Bancorp, Inc. is a regional bank based in Massachusetts that serves local business and consumer needs while maintaining a specialized digital banking platform. Its primary strengths lie in its deep regional roots and proactive focus on banking-as-a-service (BaaS) partnerships. The main growth story revolves around scaling its digital infrastructure to generate fee-based income. However, the company faces risks from geographic concentration, interest rate sensitivity, and the operational demands of digital compliance. This stock may best suit value-oriented investors who appreciate conservative regional banking business models, provided they monitor the bank's ability to navigate the evolving regulatory landscape surrounding its digital initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a stable regional entity with limited high-growth explosive potential. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the high-volatility momentum profile sought by this investor style. |
| Value investor | Strong fit | The company often trades based on tangible book value and regional banking multiples. |
| Dividend investor | Mixed fit | Dividend suitability depends on specific payout policies which vary for mutual holding structures. |
| Low-risk investor | Strong fit | As a regulated regional bank, the risk profile is generally more conservative compared to high-growth tech or cyclical stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate forecasts and economic health. |
| Valuation risk | Low | Valuations are generally tied to stable book value metrics rather than speculative growth. |
| Competition risk (banking) | Medium / high | Intense competition for deposits and loans from both large and local players is constant. |
| Business quality | Medium | Quality is supported by solid regional relationships but constrained by geographic concentration. |
| Dividend income | Medium | Dividends are dependent on bank earnings and regulatory capital requirements. |
| Execution risk | Medium | Successful management of digital banking and fintech partnerships is critical for long-term growth. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 45.82% | Avg. Invested days 105 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 410.84M USD | Price to earnings Ratio 15.76 | 1Y Target Price 26.25 |
Price to earnings Ratio 15.76 | 1Y Target Price 26.25 | ||
Volume (30-day avg) 127.1K shares | Beta - | 52 Weeks Range 14.64 - 23.31 | Updated Date 10/28/2026 |
52 Weeks Range 14.64 - 23.31 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 0.69% | Basic EPS (TTM) 1.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank makes the most money by lending money to customers at higher rates than it pays them on their deposits. |
| Non-Interest Income | Service fees, digital banking fees, and treasury management fees. | This is extra income generated through services, including technology fees from its digital banking platform. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.38 | Actual 0.47 |
Profitability
Profit Margin 24.05% | Operating Margin (TTM) 38.64% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 7.34% |
Valuation
Trailing PE 15.76 | Forward PE 15.55 | Enterprise Value 500.21M | Price to Sales(TTM) 3.65 |
Enterprise Value 500.21M | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 4.78 | Enterprise Value to EBITDA - | Shares Outstanding 17.74M | Shares Floating 16.91M |
Shares Outstanding 17.74M | Shares Floating 16.91M | ||
Percent Insiders 14.71 | Percent Institutions 36.73 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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