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Avidia Bancorp

AVBC

Avidia Bancorp, Inc. is a Massachusetts-based bank holding company that operates through its primary subsidiary, Avidia Bank.

Market cap
$403.72M+38.8%
Net income-$2.6M-123%
Free cash flow$35.7M+130%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$30.1M
EPS estimate$0.38

Financials

Q1 2026

Income statement

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Net income$6.0M+152%
EPS (diluted)$0.32

Balance sheet

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Cash & equivalents$93.0M
Total debt$5.6M-7.2%
Total equity$383.5M+106%
Total assets$2.8B+3.7%

Cash flow

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Operating cash flow$8.4M+476%
CapEx$652.0K-60.6%
Free cash flow$7.7M+299%

Valuation & ratios

Valuation

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Market cap$403.72M+38.8%
Enterprise value$316.28M

Returns & leverage

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Debt / equity0.0×

Competitors

Profile

Avidia Bancorp, Inc. is a Massachusetts-based bank holding company that operates through its primary subsidiary, Avidia Bank. The company provides a comprehensive suite of commercial and retail banking services, including residential and commercial lending, deposit products, and specialized nationwide financial services. Its core value proposition centers on serving the Greater Boston and Worcester metropolitan areas while maintaining niche national programs in payments processing and health savings accounts.

Competitive position

Avidia holds a moderate market share in the Middlesex and Worcester counties of Massachusetts, competing through a mix of local community presence and specialized national niche services like payments and HSAs.

GeographiesUnited States, Massachusetts
Customer segmentsRetail, Commercial, SME, Healthcare
Business modelInterest income, Transaction-based processing fees, Asset-backed lending
SuppliersFederal Reserve Board, FDIC, Federal Home Loan Bank system, Depositors, Technology and infrastructure providers
CustomersResidential mortgage borrowers, Commercial real estate investors, Condominium associations, Merchant businesses, HSA participants
Listed2025
CEORobert D. Cozzone
FilingsSEC EDGAR

FAQ

What is Avidia Bancorp's market cap?
Avidia Bancorp (AVBC) has a market capitalization of $403.7M and trades on NYSE.
Who are Avidia Bancorp's competitors?
Avidia Bancorp's key competitors include Bank of America, JPMorgan Chase, Midland States Bancorp, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Avidia Bancorp partner with?
Avidia Bancorp's notable partners include Fannie Mae, Federal Home Loan Bank, U.S. Small Business Administration, and others.
What subsidiaries does Avidia Bancorp have?
Avidia Bancorp's subsidiaries include Avidia Bank.
Where is Avidia Bancorp headquartered?
Avidia Bancorp is headquartered in United States of America. It has been publicly traded since 2025.