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Upturn AI Summary - About
Avidbank Holdings, Inc. Common stock(AVBH)
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 AVBH
10/28/2026: AVBH (3-star) is currently NOT-A-BUY. Pass it for now.
Avidbank Holdings is a San Jose-based regional bank focused on providing commercial, real estate, and venture lending services. Its primary strength lies in its high-touch, relationship-driven approach to serving the Bay Area economy and high-growth technology sectors. The company's main investment opportunity revolves around its ability to scale its specialized national lending platforms and capture market share from larger institutions. However, it faces significant risks related to interest rate volatility, portfolio concentration, and the cyclicality of the venture capital market. The stock may best suit value-oriented investors who can tolerate the moderate-to-high volatility inherent in small-cap regional banking.
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 bank offers growth potential through niche lending, but is limited by the cyclical nature of regional banking. |
| Momentum investor | Weak fit | The stock often lacks the high-frequency trading volume and momentum indicators favored by pure momentum investors. |
| Value investor | Strong fit while signal remains positive | The company frequently trades at a discount to book value and industry peers, which is attractive to value-oriented investors. |
| Dividend investor | Weak fit | The bank currently prioritizes capital retention for growth over dividend distribution. |
| Low-risk investor | Mixed fit | Regional bank stocks carry inherent credit and interest rate risks that may exceed the threshold for highly risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap bank stocks often experience higher price swings based on interest rate sentiment. |
| Valuation risk | Medium | While trading at a discount, valuation is heavily dependent on future net interest margins. |
| Competition risk | Medium | Intense competition from larger banks and fintechs limits pricing power. |
| Business quality | Medium | The business relies on a high-touch, human-centric model which is harder to scale than fully digital banks. |
| Dividend income | Low / none | The company does not currently offer a meaningful dividend for income-focused investors. |
| Execution risk | Medium | Successfully expanding national lending verticals requires disciplined credit management. |
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 35.61% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | 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 360.26M USD | Price to earnings Ratio 9.32 | 1Y Target Price 39.4 |
Price to earnings Ratio 9.32 | 1Y Target Price 39.4 | ||
Volume (30-day avg) 66.9K shares | Beta 0.33 | 52 Weeks Range 24.03 - 34.18 | Updated Date 10/28/2026 |
52 Weeks Range 24.03 - 34.18 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (CRE, venture, C&I) minus interest paid on deposits. | The primary way they make money is by charging more interest on loans than they pay depositors. |
| Non-Interest Income | Treasury management fees, service charges, and other banking service fees. | They generate additional revenue through business service fees, which helps diversify their income. |
Earnings Date
Report Date 2026-10-26 | When After Market | Estimate 0.88 | Actual 0.94 |
Profitability
Profit Margin -37.3% | Operating Margin (TTM) 38.86% |
Management Effectiveness
Return on Assets (TTM) -0.56% | Return on Equity (TTM) -5.64% |
Valuation
Trailing PE 9.32 | Forward PE - | Enterprise Value 359.71M | Price to Sales(TTM) 9.52 |
Enterprise Value 359.71M | Price to Sales(TTM) 9.52 | ||
Enterprise Value to Revenue 7.98 | Enterprise Value to EBITDA - | Shares Outstanding 10.98M | Shares Floating 7.02M |
Shares Outstanding 10.98M | Shares Floating 7.02M | ||
Percent Insiders 8.15 | Percent Institutions 82.77 |
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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