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Avidbank Holdings Inc
Buy, Hold or Sell?

Let's analyse Avidbank together

PenkeI guess you are interested in Avidbank Holdings Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Avidbank Holdings Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Avidbank (30 sec.)










What can you expect buying and holding a share of Avidbank? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
20.0%

What is your share worth?

Current worth
$22.07
Expected worth in 1 year
$31.22
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
$9.15
Return On Investment
48.5%

For what price can you sell your share?

Current Price per Share
$18.85
Expected price per share
$18.50 - $19.25
How sure are you?
50%

1. Valuation of Avidbank (5 min.)




Live pricePrice per Share (EOD)

$18.85

Intrinsic Value Per Share

$29.79 - $60.99

Total Value Per Share

$51.86 - $83.06

2. Growth of Avidbank (5 min.)




Is Avidbank growing?

Current yearPrevious yearGrowGrow %
How rich?$165.3m$137.5m$27.7m16.8%

How much money is Avidbank making?

Current yearPrevious yearGrowGrow %
Making money$16.8m$25m-$8.2m-48.9%
Net Profit Margin13.7%28.5%--

How much money comes from the company's main activities?

3. Financial Health of Avidbank (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Avidbank? (5 min.)

Welcome investor! Avidbank's management wants to use your money to grow the business. In return you get a share of Avidbank.

What can you expect buying and holding a share of Avidbank?

First you should know what it really means to hold a share of Avidbank. And how you can make/lose money.

Speculation

The Price per Share of Avidbank is $18.85. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Avidbank.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Avidbank, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $22.07. Based on the TTM, the Book Value Change Per Share is $2.29 per quarter. Based on the YOY, the Book Value Change Per Share is $-2.78 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Avidbank.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps2.2411.9%2.2411.9%3.6019.1%2.3112.3%1.668.8%
Usd Book Value Change Per Share2.2912.1%2.2912.1%-2.78-14.8%1.105.9%-6.00-31.8%
Usd Dividend Per Share0.000.0%0.000.0%22.60119.9%4.8525.7%2.4312.9%
Usd Total Gains Per Share2.2912.1%2.2912.1%19.81105.1%5.9631.6%-3.57-18.9%
Usd Price Per Share21.37-21.37-20.70-21.88-18.03-
Price to Earnings Ratio9.53-9.53-5.75-10.09-13.72-
Price-to-Total Gains Ratio9.34-9.34-1.04-8.40-6.38-
Price to Book Ratio0.97-0.97-1.05-1.05-0.98-
Price-to-Total Gains Ratio9.34-9.34-1.04-8.40-6.38-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share18.85
Number of shares53
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.004.85
Usd Book Value Change Per Share2.291.10
Usd Total Gains Per Share2.295.96
Gains per Quarter (53 shares)121.21315.75
Gains per Year (53 shares)484.831,263.01
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1048547510292341253
2097096020584682516
301454144530867033779
401939193041159375042
5024242415514411716305
6029092900617314057568
7033943385720216408831
80387938708230187410094
90436343559259210811357
1004848484010288234212620

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.04.00.077.8%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%7.03.00.070.0%14.03.01.077.8%
Dividend per Share0.00.01.00.0%1.00.02.033.3%2.00.03.040.0%2.00.08.020.0%6.00.012.033.3%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%16.02.00.088.9%

Fundamentals of Avidbank

About Avidbank Holdings Inc

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to businesses and individuals in the Santa Clara, San Mateo, and San Francisco counties. The company offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. It also provides personal lending products, including secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprising working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, the company offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC " real estate secured loans. Further, it provides various financing solutions, such as fund finance, structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, the company offers various services, such as automated clearing house payments and collections, bill pay, positive pay, wire transfer, lockbox, merchant, remote deposit capture, risk and fraud analytics services, ATM/debit cards, credit cards, business courier, cash management, and complimentary notary services. Furthermore, it offers online and mobile banking services. The company was founded in 2003 and is headquartered in San Jose, California.

Fundamental data was last updated by Penke on 2024-05-14 07:30:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Avidbank Holdings Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Avidbank earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • A Net Profit Margin of 13.7% means that $0.14 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Avidbank Holdings Inc:

  • The MRQ is 13.7%. The company is making a huge profit. +2
  • The TTM is 13.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.7%TTM13.7%0.0%
TTM13.7%YOY28.5%-14.8%
TTM13.7%5Y21.5%-7.8%
5Y21.5%10Y21.1%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.7%38.5%-24.8%
TTM13.7%29.6%-15.9%
YOY28.5%26.3%+2.2%
5Y21.5%23.6%-2.1%
10Y21.1%20.4%+0.7%
1.1.2. Return on Assets

Shows how efficient Avidbank is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • 0.8% Return on Assets means that Avidbank generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Avidbank Holdings Inc:

  • The MRQ is 0.8%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.8%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM0.8%0.0%
TTM0.8%YOY1.2%-0.4%
TTM0.8%5Y0.9%-0.1%
5Y0.9%10Y0.9%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%0.3%+0.5%
TTM0.8%0.2%+0.6%
YOY1.2%0.2%+1.0%
5Y0.9%0.2%+0.7%
10Y0.9%0.2%+0.7%
1.1.3. Return on Equity

Shows how efficient Avidbank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • 10.2% Return on Equity means Avidbank generated $0.10 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Avidbank Holdings Inc:

  • The MRQ is 10.2%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 10.2%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ10.2%TTM10.2%0.0%
TTM10.2%YOY18.2%-8.0%
TTM10.2%5Y11.2%-1.0%
5Y11.2%10Y9.7%+1.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.2%3.1%+7.1%
TTM10.2%2.5%+7.7%
YOY18.2%2.7%+15.5%
5Y11.2%2.5%+8.7%
10Y9.7%2.8%+6.9%

1.2. Operating Efficiency of Avidbank Holdings Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Avidbank is operating .

  • Measures how much profit Avidbank makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Avidbank Holdings Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y7.5%-7.5%
5Y7.5%10Y23.3%-15.8%
1.2.2. Operating Ratio

Measures how efficient Avidbank is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.08 means that the operating costs are $0.08 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Avidbank Holdings Inc:

  • The MRQ is 0.077. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.077. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.077TTM0.0770.000
TTM0.077YOY0.092-0.015
TTM0.0775Y-0.049+0.125
5Y-0.04910Y-0.319+0.271

1.3. Liquidity of Avidbank Holdings Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Avidbank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.05 means the company has $0.05 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Avidbank Holdings Inc:

  • The MRQ is 0.054. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.054. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.054TTM0.0540.000
TTM0.054YOY0.027+0.027
TTM0.0545Y2.396-2.342
5Y2.39610Y11.926-9.530
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0540.124-0.070
YOY0.0270.167-0.140
5Y2.3960.207+2.189
10Y11.9260.131+11.795
1.3.2. Quick Ratio

Measures if Avidbank is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • A Quick Ratio of 0.01 means the company can pay off $0.01 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Avidbank Holdings Inc:

  • The MRQ is 0.006. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.006. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.006TTM0.0060.000
TTM0.006YOY0.010-0.003
TTM0.0065Y2.891-2.884
5Y2.89110Y19.647-16.757

1.4. Solvency of Avidbank Holdings Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Avidbank assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Avidbank to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.93 means that Avidbank assets are financed with 92.6% credit (debt) and the remaining percentage (100% - 92.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Avidbank Holdings Inc:

  • The MRQ is 0.926. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.926. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.926TTM0.9260.000
TTM0.926YOY0.936-0.010
TTM0.9265Y0.921+0.005
5Y0.92110Y0.826+0.095
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9260.915+0.011
TTM0.9260.916+0.010
YOY0.9360.918+0.018
5Y0.9210.919+0.002
10Y0.8260.926-0.100
1.4.2. Debt to Equity Ratio

Measures if Avidbank is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Avidbank to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,252.1% means that company has $12.52 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Avidbank Holdings Inc:

  • The MRQ is 12.521. The company is unable to pay all its debts with equity. -1
  • The TTM is 12.521. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.521TTM12.5210.000
TTM12.521YOY14.548-2.027
TTM12.5215Y12.149+0.372
5Y12.14910Y9.627+2.523
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.52110.799+1.722
TTM12.52110.909+1.612
YOY14.54811.266+3.282
5Y12.14911.324+0.825
10Y9.62712.886-3.259

2. Market Valuation of Avidbank Holdings Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Avidbank generates.

  • Above 15 is considered overpriced but always compare Avidbank to the Banks - Regional industry mean.
  • A PE ratio of 9.53 means the investor is paying $9.53 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Avidbank Holdings Inc:

  • The EOD is 8.404. Based on the earnings, the company is underpriced. +1
  • The MRQ is 9.528. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.528. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD8.404MRQ9.528-1.124
MRQ9.528TTM9.5280.000
TTM9.528YOY5.752+3.776
TTM9.5285Y10.091-0.563
5Y10.09110Y13.720-3.629
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.4043.704+4.700
MRQ9.5283.418+6.110
TTM9.5284.741+4.787
YOY5.7526.901-1.149
5Y10.0919.496+0.595
10Y13.7209.770+3.950
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Avidbank Holdings Inc:

  • The EOD is 3.873. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 4.390. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 4.390. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD3.873MRQ4.390-0.518
MRQ4.390TTM4.3900.000
TTM4.390YOY5.092-0.702
TTM4.3905Y-2.530+6.920
5Y-2.53010Y5.950-8.480
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD3.873-2.558+6.431
MRQ4.390-2.360+6.750
TTM4.390-1.072+5.462
YOY5.0926.461-1.369
5Y-2.5300.248-2.778
10Y5.9500.032+5.918
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Avidbank is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.97 means the investor is paying $0.97 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Avidbank Holdings Inc:

  • The EOD is 0.854. Based on the equity, the company is cheap. +2
  • The MRQ is 0.968. Based on the equity, the company is cheap. +2
  • The TTM is 0.968. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.854MRQ0.968-0.114
MRQ0.968TTM0.9680.000
TTM0.968YOY1.046-0.078
TTM0.9685Y1.050-0.082
5Y1.05010Y0.983+0.067
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8540.456+0.398
MRQ0.9680.420+0.548
TTM0.9680.439+0.529
YOY1.0460.594+0.452
5Y1.0500.763+0.287
10Y0.9830.991-0.008
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Avidbank Holdings Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.2872.2870%-2.785+222%1.105+107%-5.996+362%
Book Value Per Share--22.06922.0690%19.782+12%20.926+5%22.746-3%
Current Ratio--0.0540.0540%0.027+103%2.396-98%11.926-100%
Debt To Asset Ratio--0.9260.9260%0.936-1%0.921+1%0.826+12%
Debt To Equity Ratio--12.52112.5210%14.548-14%12.149+3%9.627+30%
Dividend Per Share----0%22.599-100%4.853-100%2.426-100%
Eps--2.2432.2430%3.599-38%2.312-3%1.658+35%
Free Cash Flow Per Share--4.8684.8680%4.065+20%2.596+87%1.855+162%
Free Cash Flow To Equity Per Share--12.94012.9400%4.202+208%43.457-70%28.498-55%
Gross Profit Margin--0.9790.9790%0.985-1%0.974+1%0.958+2%
Intrinsic Value_10Y_max--60.990--------
Intrinsic Value_10Y_min--29.786--------
Intrinsic Value_1Y_max--3.498--------
Intrinsic Value_1Y_min--2.162--------
Intrinsic Value_3Y_max--12.502--------
Intrinsic Value_3Y_min--7.247--------
Intrinsic Value_5Y_max--23.908--------
Intrinsic Value_5Y_min--13.117--------
Market Cap114521855.500-40%160077947.230160077947.2300%143922090.600+11%142636049.666+12%114362446.383+40%
Net Profit Margin--0.1370.1370%0.285-52%0.215-36%0.211-35%
Operating Margin----0%-0%0.075-100%0.233-100%
Operating Ratio--0.0770.0770%0.092-16%-0.049+163%-0.319+517%
Pb Ratio0.854-13%0.9680.9680%1.046-7%1.050-8%0.983-2%
Pe Ratio8.404-13%9.5289.5280%5.752+66%10.091-6%13.720-31%
Price Per Share18.850-13%21.37021.3700%20.700+3%21.884-2%18.027+19%
Price To Free Cash Flow Ratio3.873-13%4.3904.3900%5.092-14%-2.530+158%5.950-26%
Price To Total Gains Ratio8.242-13%9.3449.3440%1.045+794%8.403+11%6.384+46%
Quick Ratio--0.0060.0060%0.010-34%2.891-100%19.647-100%
Return On Assets--0.0080.0080%0.012-36%0.009-13%0.009-12%
Return On Equity--0.1020.1020%0.182-44%0.112-9%0.097+5%
Total Gains Per Share--2.2872.2870%19.814-88%5.958-62%-3.569+256%
Usd Book Value--165312001.000165312001.0000%137538000.000+20%136853800.200+21%143049455.400+16%
Usd Book Value Change Per Share--2.2872.2870%-2.785+222%1.105+107%-5.996+362%
Usd Book Value Per Share--22.06922.0690%19.782+12%20.926+5%22.746-3%
Usd Dividend Per Share----0%22.599-100%4.853-100%2.426-100%
Usd Eps--2.2432.2430%3.599-38%2.312-3%1.658+35%
Usd Free Cash Flow--36462000.00036462000.0000%28263000.000+29%17863800.000+104%12318456.100+196%
Usd Free Cash Flow Per Share--4.8684.8680%4.065+20%2.596+87%1.855+162%
Usd Free Cash Flow To Equity Per Share--12.94012.9400%4.202+208%43.457-70%28.498-55%
Usd Market Cap114521855.500-40%160077947.230160077947.2300%143922090.600+11%142636049.666+12%114362446.383+40%
Usd Price Per Share18.850-13%21.37021.3700%20.700+3%21.884-2%18.027+19%
Usd Profit--16801000.00016801000.0000%25023000.000-33%15314400.000+10%10703370.800+57%
Usd Revenue--122330000.000122330000.0000%87702000.000+39%74242800.000+65%51203369.400+139%
Usd Total Gains Per Share--2.2872.2870%19.814-88%5.958-62%-3.569+256%
 EOD+4 -4MRQTTM+0 -0YOY+21 -145Y+17 -1910Y+21 -15

3.2. Fundamental Score

Let's check the fundamental score of Avidbank Holdings Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-158.404
Price to Book Ratio (EOD)Between0-10.854
Net Profit Margin (MRQ)Greater than00.137
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.006
Current Ratio (MRQ)Greater than10.054
Debt to Asset Ratio (MRQ)Less than10.926
Debt to Equity Ratio (MRQ)Less than112.521
Return on Equity (MRQ)Greater than0.150.102
Return on Assets (MRQ)Greater than0.050.008
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Avidbank Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose18.870
Total1/1 (100.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets2,235,235
Total Liabilities2,069,923
Total Stockholder Equity165,312
 As reported
Total Liabilities 2,069,923
Total Stockholder Equity+ 165,312
Total Assets = 2,235,235

Assets

Total Assets2,235,235
Total Current Assets81,396
Long-term Assets2,153,839
Total Current Assets
Cash And Cash Equivalents 9,754
Other Current Assets 81,396
Total Current Assets  (as reported)81,396
Total Current Assets  (calculated)91,150
+/- 9,754
Long-term Assets
Property Plant Equipment 12,817
Long-term Assets Other 52,595
Long-term Assets  (as reported)2,153,839
Long-term Assets  (calculated)65,412
+/- 2,088,427

Liabilities & Shareholders' Equity

Total Current Liabilities1,510,702
Long-term Liabilities559,221
Total Stockholder Equity165,312
Total Current Liabilities
Short-term Debt 3,053
Other Current Liabilities 1,507,649
Total Current Liabilities  (as reported)1,510,702
Total Current Liabilities  (calculated)1,510,702
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)559,221
Long-term Liabilities  (calculated)0
+/- 559,221
Total Stockholder Equity
Common Stock104,499
Retained Earnings 109,688
Accumulated Other Comprehensive Income -48,875
Total Stockholder Equity (as reported)165,312
Total Stockholder Equity (calculated)165,312
+/-0
Other
Cash and Short Term Investments 9,754
Common Stock Shares Outstanding 7,491
Liabilities and Stockholders Equity 2,235,235
Net Debt 382,581
Net Working Capital -1,429,306
Short Long Term Debt Total 392,335



Balance Sheet

All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312006-12-312005-12-312004-12-312003-12-31
> Total Assets 
26,672
53,872
81,671
122,472
0
342,205
415,721
500,676
469,041
601,637
646,655
782,993
916,905
1,131,557
1,430,626
2,162,478
2,138,435
2,235,235
2,235,2352,138,4352,162,4781,430,6261,131,557916,905782,993646,655601,637469,041500,676415,721342,2050122,47281,67153,87226,672
   > Total Current Assets 
425
910
8,815
6,276
0
99,663
81,214
80,018
106,178
98,339
114,981
121,322
99,677
233,838
232,940
496,861
47,288
81,396
81,39647,288496,861232,940233,83899,677121,322114,98198,339106,17880,01881,21499,66306,2768,815910425
       Cash And Cash Equivalents 
278
526
8,172
5,463
0
12,377
21,493
16,905
17,987
21,277
12,458
33,360
27,652
152,848
230,033
493,343
17,435
9,754
9,75417,435493,343230,033152,84827,65233,36012,45821,27717,98716,90521,49312,37705,4638,172526278
       Short-term Investments 
0
0
0
0
0
82,178
55,343
58,983
79,501
69,766
89,686
74,364
56,491
52,014
0
0
0
0
000052,01456,49174,36489,68669,76679,50158,98355,34382,17800000
       Net Receivables 
147
384
642
813
0
5,108
4,378
4,129
8,690
7,296
12,837
13,598
15,534
28,976
0
0
0
0
000028,97615,53413,59812,8377,2968,6904,1294,3785,1080813642384147
       Other Current Assets 
0
0
0
0
0
0
0
0
1,256
1,461
1,667
2,012
2,398
155,453
232,940
496,861
47,288
81,396
81,39647,288496,861232,940155,4532,3982,0121,6671,4611,25600000000
   > Long-term Assets 
13,167
15,992
17,040
9,122
0
82,874
56,634
60,158
80,525
70,628
90,286
80,310
62,214
57,556
1,197,686
1,665,617
2,091,147
2,153,839
2,153,8392,091,1471,665,6171,197,68657,55662,21480,31090,28670,62880,52560,15856,63482,87409,12217,04015,99213,167
       Property Plant Equipment 
649
620
512
579
0
696
1,291
1,175
1,024
862
600
5,946
5,723
5,542
23,453
19,267
16,274
12,817
12,81716,27419,26723,4535,5425,7235,9466008621,0241,1751,2916960579512620649
       Long Term Investments 
0
0
0
0
0
0
0
0
88,736
77,753
89,686
74,364
56,491
52,014
0
0
0
0
000052,01456,49174,36489,68677,75388,73600000000
       Other Assets 
13,079
36,971
55,816
107,074
0
159,668
277,873
360,500
282,338
432,670
441,388
581,361
755,014
840,163
1,002,216
1,251,329
1,602,943
0
01,602,9431,251,3291,002,216840,163755,014581,361441,388432,670282,338360,500277,873159,6680107,07455,81636,97113,079
> Total Liabilities 
49
129
107
449
0
1,820
2,864
2,339
31,573
546,012
583,146
693,886
816,389
1,015,162
1,302,702
2,025,378
2,000,897
2,069,923
2,069,9232,000,8972,025,3781,302,7021,015,162816,389693,886583,146546,01231,5732,3392,8641,820044910712949
   > Total Current Liabilities 
49
129
107
449
0
1,820
2,864
2,339
31,573
2,655
3,472
5,718
7,947
20,449
1,174,269
1,883,669
1,778,428
1,510,702
1,510,7021,778,4281,883,6691,174,26920,4497,9475,7183,4722,65531,5732,3392,8641,820044910712949
       Short-term Debt 
0
0
0
0
0
0
0
0
25,000
0
0
0
0
1,891
2,816
2,879
2,964
3,053
3,0532,9642,8792,8161,891000025,00000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
25,000
0
0
0
0
0
0
0
0
0
00000000025,00000000000
       Accounts payable 
49
129
107
449
0
1,820
2,864
2,339
6,573
2,655
3,472
5,718
7,947
20,449
1,253,754
1,979,410
1,823,235
0
01,823,2351,979,4101,253,75420,4497,9475,7183,4722,6556,5732,3392,8641,820044910712949
       Other Current Liabilities 
-49
-129
-107
-449
0
-1,820
-2,864
-2,339
-31,573
-2,655
-3,472
-5,718
-7,947
-20,449
1,171,453
1,880,790
1,775,464
1,507,649
1,507,6491,775,4641,880,7901,171,453-20,449-7,947-5,718-3,472-2,655-31,573-2,339-2,864-1,8200-449-107-129-49
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
31,573
2,655
3,472
5,718
7,947
21,570
128,433
141,709
222,469
559,221
559,221222,469141,709128,43321,5707,9475,7183,4722,65531,57300000000
       Other Liabilities 
0
0
0
0
0
1,820
2,864
2,340
6,573
2,486
3,308
5,290
7,214
7,125
370
392
449
0
04493923707,1257,2145,2903,3082,4866,5732,3402,8641,82000000
> Total Stockholder Equity
16,806
14,752
14,077
14,131
0
33,695
37,863
48,032
51,547
55,625
63,509
89,107
100,516
116,395
127,924
137,100
137,538
165,312
165,312137,538137,100127,924116,395100,51689,10763,50955,62551,54748,03237,86333,695014,13114,07714,75216,806
   Common Stock
18,418
18,418
18,514
18,581
0
27,619
27,619
42,250
42,250
42,250
42,222
62,234
62,234
62,234
70,720
72,799
102,359
104,499
104,499102,35972,79970,72062,23462,23462,23442,22242,25042,25042,25027,61927,619018,58118,51418,41818,418
   Retained Earnings 
-1,618
-3,674
-4,504
-4,732
0
-1,228
1,171
3,469
6,162
9,894
17,157
22,811
34,053
46,910
56,537
68,801
93,824
109,688
109,68893,82468,80156,53746,91034,05322,81117,1579,8946,1623,4691,171-1,2280-4,732-4,504-3,674-1,618
   Accumulated Other Comprehensive Income 
6
-93
-139
-38
0
-229
1,184
33
179
-49
-937
-700
-1,549
108
667
-4,500
-58,645
-48,875
-48,875-58,645-4,500667108-1,549-700-937-49179331,184-2290-38-139-936
   Capital Surplus 000000000000000000
   Treasury Stock000000000000000000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

All numbers in thousands.