AVBC · Avidia Bancorp, Inc.

Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. The company offers savings and checking, certificates of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. It also provides savings, checking, debit cards, credit cards, youth accounts, veterans checking, mobile banking, internet banking, international wires, and health savings and borrowing services, including loans, home equity, mortgages, masshousing homeowner loans, and auto loans. Additionally, the company offers e-banking services, cash management, merchant services, law firm banking, nonprofit banking, and municipal banking services and borrowing services that include commercial loans, commercial mortgage loans, land development loans, business term loans, working capital lines of credit, letters of credit, business manager, dental practice loans, condo association loans, and small business banking partnership services. Further, it offers payments processing services; and invests in liquid assets, including U.S. Treasury securities, U.S. government agency and government-sponsored enterprise securities, mortgage-backed securities, municipal securities, certificates of deposit of federally-insured institutions, and investment grade corporate bonds. Avidia Bancorp, Inc. was founded in 1869 and is headquartered in Hudson, Massachusetts.

Cap structure and valuation

Cap structure
SP	$22.14
SO	20.1M
Options	—
Warrants	0.0M
FD SO	20.1M
MC	$444.5M

Cash	—
Total debt	$438.2M ⚠
EV	$882.7M

TTM Multiples
EV / Revenue	5.9x
EV / EBITDA	—
MC / Net Income	31.1x
EV / FCF	24.7x
MC / FCF	12.5x

Ownership & coverage
Institutional	41.0%
Insiders	11.4%
# Institutions	103
Analysts	1
Consensus	—
Avg target	$25.00

Short % float	2.1%
Days to cover	5.68

MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-13. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-08-13 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-07-30; the float denominator can be unreliable on tiny floats.

This filer tags no option count, so FD SO counts it as zero and understates dilution — treat FD SO, MC and EV as a floor. (XBRL reports nothing both for a filer that has none and for one that simply doesn't tag them.)

Debt figure uncertain — deposit-funded financial institution — debt/EV not a meaningful metric. Verify against the filing before relying on EV.

Financial statements

	3/31/26	12/31/25	9/30/25	6/30/25
Total Revenue	37.88	37.31	38.41	37.10
Revenue YoY %	8.9%	7.8%	6.6%	8.1%
Gross Profit	26.71	26.48	26.61	24.62
Gross Profit YoY %	14.6%	14.1%	16.8%	8.9%
Gross Margin %	70.5%	71.0%	69.3%	66.3%

SG&A	1.75	(8.71)	11.76	2.42

Interest Expense	23.98	23.28	23.43	20.62
Pretax Income	8.19	7.75	(1.95)	5.03
Tax Provision	2.19	2.41	(1.04)	1.16
Net Income	6.00	5.33	(0.91)	3.87
Net Margin %	15.8%	14.3%	(2.4%)	10.4%

Diluted EPS	$0.32	$0.29	-$0.05	—
Basic EPS	$0.32	$0.29	-$0.05	—
Diluted Avg Shares	18.6	—	18.5	—
Basic Avg Shares	18.6	—	18.5	—

	LTM	12/31/25	12/31/24
Total Revenue	150.71	147.61	140.75
Revenue YoY %	2.1%	4.9%	—
Gross Profit	104.43	101.03	90.86
Gross Profit YoY %	3.4%	11.2%	—
Gross Margin %	69.3%	68.4%	64.6%

SG&A	7.22	7.54	8.77

Interest Expense	91.31	86.54	73.26
Pretax Income	19.01	(5.68)	15.40
Tax Provision	4.72	(2.39)	3.92
Net Income	14.29	(3.29)	11.48
Net Margin %	9.5%	(2.2%)	8.2%

Diluted EPS	—	-$0.18	—
Basic EPS	—	-$0.18	—
Diluted Avg Shares	18.6	18.5	—
Basic Avg Shares	18.6	18.5	—

	3/31/26	12/31/25	9/30/25	6/30/25
Short-term Investments	73.79	129.55	96.38	283.92

Net PPE	29.03	29.18	29.27	29.10
Operating Lease ROU	5.05	5.16	5.28	5.39
Goodwill	11.94	11.94	11.94	11.94
Other Assets	2,687.61	2,661.26	2,644.14	2,627.57
Total Assets	2,807.42	2,837.09	2,787.01	2,957.91

Other Liabilities	2,423.90	2,458.10	2,414.97	2,766.48
Total Liabilities	2,423.90	2,458.10	2,414.97	2,766.48

Retained Earnings	216.97	211.98	206.65	207.56
Total Equity	383.52	378.99	372.04	191.43

	LTM	12/31/25	12/31/24
Short-term Investments	73.79	129.55	46.78

Net PPE	29.03	29.18	28.50
Operating Lease ROU	5.05	5.16	6.07
Goodwill	11.94	11.94	11.94
Other Assets	2,687.61	2,661.26	2,563.25
Total Assets	2,807.42	2,837.09	2,656.54

Other Liabilities	2,423.90	2,458.10	2,462.71
Total Liabilities	2,423.90	2,458.10	2,462.71

Retained Earnings	216.97	211.98	215.27
Total Equity	383.52	378.99	193.83

	3/31/26	12/31/25	9/30/25	6/30/25
Net Income	6.00	5.33	(0.91)	3.87
D&A	0.68	0.65	0.63	0.62
Δ Working Cap & Other	1.70	2.83	24.40	(6.83)
Operating Cash Flow	8.38	8.81	24.13	(2.34)

CapEx	(0.65)	(0.80)	(0.87)	(0.97)
Other Investing	(22.03)	(22.77)	(26.58)	(14.46)
Investing Cash Flow	(22.68)	(23.56)	(27.45)	(15.43)

Stock Issuance	—	(0.37)	—	—
Dividends Paid	(1.00)	—	—	—
Other Financing	(37.12)	48.70	(193.39)	243.28
Financing Cash Flow	(38.13)	48.34	(193.39)	243.28

Free Cash Flow	7.72	8.02	23.25	(3.31)

	LTM	12/31/25	12/31/24
Net Income	14.29	(3.29)	11.48
D&A	2.57	2.56	2.55
Δ Working Cap & Other	22.11	29.10	9.19
Operating Cash Flow	38.97	28.37	23.22

CapEx	(3.29)	(4.29)	(2.77)
Other Investing	(85.84)	(107.29)	(68.32)
Investing Cash Flow	(89.12)	(111.58)	(71.09)

Stock Issuance	—	185.83	0.00
Other Financing	60.09	(19.61)	39.97
Financing Cash Flow	60.09	166.22	39.97

Free Cash Flow	35.69	24.09	20.45

	3/31/26	12/31/25	9/30/25	6/30/25
Current Ratio	—	—	—	—
Quick Ratio	—	—	—	—
Debt / Equity	6.32	6.49	6.49	14.45
EBITDA Margin %	—	—	—	—
Working Capital	—	—	—	—
Net Debt	—	—	—	—
ROE %	1.6%	1.4%	(0.2%)	2.0%
ROA %	0.2%	0.2%	(0.0%)	0.1%

	LTM	12/31/25	12/31/24
Current Ratio	—	—	—
Quick Ratio	—	—	—
Debt / Equity	6.32	6.49	12.71
EBITDA Margin %	—	—	—
Working Capital	—	—	—
Net Debt	—	—	—
ROE %	3.7%	(0.9%)	5.9%
ROA %	0.5%	(0.1%)	0.4%

Insider activity (last 2 years)

Date Filed	Reporter	Relationship	Trans. Date	Code	Shares	Price	Total Value
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	13	$21.61	$281
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	513	$21.62	$11,091
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	145	$21.63	$3,136
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	79	$21.64	$1,710
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	4,278	$21.65	$92,619
2026-08-12	Saul Kennedy O	Director	2026-08-11	P	872	$21.67	$18,896
2026-08-12	Grimaldo Joseph F	Director	2026-08-11	P	4,655	$21.44	$99,786
2026-07-30	Karmelek Nicolas	Officer (EVP and CRO)	2026-05-27	P	19	$19.08	$363
2026-07-30	GILLES MICHAEL O	Director	2026-05-15	P	1,000	$19.12	$19,120
2026-07-30	GILLES MICHAEL O	Director	2026-05-15	P	1,000	$19.17	$19,170
2026-07-30	GILLES MICHAEL O	Director	2026-05-15	P	1,000	$18.92	$18,916
2026-07-30	Karmelek Nicolas	Officer (EVP and CRO)	2026-02-25	P	14	$18.92	$265
2026-06-03	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2026-06-03	P	1,065	$18.90	$20,128
2026-06-01	Cozzone Robert D	Director, Officer (President & CEO)	2026-05-29	P	2,128	$18.80	$40,006
2026-05-19	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-05-18	P	500	$18.88	$9,440
2026-05-15	GILLES MICHAEL O	Director	2026-05-14	P	1,000	$19.50	$19,500
2026-05-15	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-05-14	P	500	$19.26	$9,630
2026-05-15	GILLES MICHAEL O	Director	2026-05-13	P	3,000	$19.50	$58,500
2026-05-15	GILLES MICHAEL O	Director	2026-05-13	P	1,000	$19.50	$19,496
2026-05-15	Cozzone Robert D	Director, Officer (President & CEO)	2026-05-13	P	2,023	$19.77	$39,990
2026-05-11	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-05-08	P	1,000	$20.19	$20,190
2026-05-05	Karmelek Nicolas	Officer (EVP and CRO)	2026-04-28	P	1,209	$20.76	$25,099
2026-04-30	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-04-29	P	1,000	$20.30	$20,300
2026-04-30	Karmelek Nicolas	Officer (EVP and CRO)	2026-04-28	P	1,220	$20.76	$25,327
2026-04-29	Murphy Michael Dennis	Director, Other (Chairman of the Board)	2026-04-28	P	1,850	$20.94	$38,739
2026-04-29	Doane Thomas	Officer (EVP- Human Resources)	2026-04-28	P	2,040	$21.16	$43,166
2026-04-29	BALL JAMES N	Director	2026-04-27	P	5,000	$20.60	$103,000
2026-03-19	Murphy Bartholomew H JR	Officer (EVP & Chief Operating Off)	2026-03-18	P	1,500	$19.15	$28,725
2026-03-13	Murphy Bartholomew H JR	Officer (EVP & Chief Operating Off)	2026-03-12	P	440	$18.62	$8,193
2026-03-13	Girard Michael R	Director	2026-03-12	P	450	$18.80	$8,461
2026-03-13	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-03-12	P	1,000	$18.69	$18,690
2026-03-11	Murphy Bartholomew H JR	Officer (EVP & Chief Operating Off)	2026-03-09	P	1,500	$19.09	$28,635
2026-03-10	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2026-03-09	P	2,579	$19.39	$50,004
2026-03-03	Cozzone Robert D	Director, Officer (President & CEO)	2026-03-02	P	1,064	$18.79	$19,993
2026-03-03	Karmelek Nicolas	Officer (EVP and CRO)	2026-03-02	P	1,090	$18.59	$20,263
2026-02-24	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-02-23	P	1,000	$18.65	$18,650
2026-02-24	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-02-23	P	1,000	$18.77	$18,770
2026-02-13	Cozzone Robert D	Director, Officer (President & CEO)	2026-02-11	P	2,582	$19.36	$49,994
2026-02-12	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2026-02-11	P	1,000	$18.95	$18,950
2025-12-17	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-12-17	P	2,500	$17.07	$42,674
2025-12-03	Murphy Michael Dennis	Director, Other (Chairman of the Board)	2025-12-01	P	6,230	$16.00	$99,671
2025-12-01	BALL JAMES N	Director	2025-12-01	P	5,000	$16.13	$80,656
2025-11-25	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-11-24	P	3,245	$15.41	$50,005
2025-11-24	Cozzone Robert D	Director, Officer (President & CEO)	2025-11-21	P	3,261	$15.33	$50,004
2025-11-20	Girard Michael R	Director	2025-11-18	P	525	$14.96	$7,857
2025-11-18	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-11-18	P	408	$14.92	$6,087
2025-11-18	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-11-18	P	2,092	$14.93	$31,233
2025-11-13	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-11-13	P	5,000	$15.24	$76,224
2025-11-12	Cozzone Robert D	Director, Officer (President & CEO)	2025-11-10	P	3,240	$15.43	$50,003
2025-11-07	Murphy Michael Dennis	Director, Other (Chairman of the Board)	2025-11-07	P	2,500	$15.11	$37,762
2025-11-07	Murphy Michael Dennis	Director, Other (Chairman of the Board)	2025-11-06	P	1,000	$15.10	$15,100
2025-11-07	Murphy Michael Dennis	Director, Other (Chairman of the Board)	2025-11-05	P	6,500	$15.12	$98,312
2025-11-06	Cozzone Robert D	Director, Officer (President & CEO)	2025-11-05	P	3,277	$15.26	$50,006
2025-11-04	Cozzone Robert D	Director, Officer (President & CEO)	2025-11-03	P	3,310	$15.10	$49,996
2025-11-03	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-10-31	P	293	$14.78	$4,331
2025-11-03	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-10-31	P	2,207	$14.99	$33,083
2025-10-31	Cozzone Robert D	Director, Officer (President & CEO)	2025-10-30	P	3,325	$15.03	$49,987
2025-10-31	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-10-30	P	2,500	$15.00	$37,500
2025-09-19	Cozzone Robert D	Director, Officer (President & CEO)	2025-09-18	P	3,130	$15.97	$49,987
2025-09-19	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-09-18	P	2,500	$15.85	$39,625
2025-09-15	Cozzone Robert D	Director, Officer (President & CEO)	2025-09-11	P	3,224	$15.51	$50,000
2025-09-10	Cozzone Robert D	Director, Officer (President & CEO)	2025-09-09	P	3,226	$15.50	$50,008
2025-09-05	Cozzone Robert D	Director, Officer (President & CEO)	2025-09-04	P	3,279	$15.25	$49,995
2025-09-03	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-09-03	P	3,240	$15.45	$50,058
2025-09-03	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-29	P	3,199	$15.63	$50,000
2025-08-28	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-08-28	P	500	$15.47	$7,735
2025-08-28	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-08-28	P	2,740	$15.47	$42,388
2025-08-27	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-26	P	6,631	$15.08	$99,999
2025-08-27	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-08-26	P	6,631	$15.08	$99,999
2025-08-26	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-22	P	2,500	$14.95	$37,362
2025-08-21	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-20	P	6,671	$14.99	$99,989
2025-08-18	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-15	P	6,840	$14.62	$99,999
2025-08-15	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-13	P	3,436	$14.55	$49,999
2025-08-14	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-13	P	100	$14.45	$1,445
2025-08-14	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-13	P	2,900	$14.50	$42,050
2025-08-12	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-11	P	2,000	$14.53	$29,060
2025-08-12	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-11	P	3,410	$14.66	$49,985
2025-08-11	Nelson Jonathan Michael	Officer (CFO and Treasurer)	2025-08-08	P	9,923	$14.45	$143,360
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	200	$14.38	$2,876
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	699	$14.39	$10,059
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	5,375	$14.40	$77,400
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	637	$14.41	$9,179
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	1,001	$14.45	$14,464
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	201	$14.46	$2,906
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	2,100	$14.47	$30,387
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	6,000	$14.48	$86,880
2025-08-11	Flanigan Michael Neil	Director	2025-08-08	P	6,323	$14.49	$91,620
2025-08-11	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-08	P	2,000	$14.49	$28,980
2025-08-08	Conery Robert W	Officer (EVP & Chief Operations Off)	2025-08-06	P	10,000	$14.35	$143,500
2025-08-07	Cozzone Robert D	Director, Officer (President & CEO)	2025-08-07	P	1,000	$14.30	$14,300
2025-08-07	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-07	P	5,000	$14.30	$71,500
2025-08-07	Doane Thomas	Officer (EVP- Human Resources)	2025-08-06	P	14,665	$14.44	$211,729
2025-08-07	Karmelek Nicolas	Officer (EVP and CRO)	2025-08-06	P	20,779	$14.44	$300,001
2025-08-07	Jensen Barry H	Officer (EVP and Chief Admin Officer)	2025-08-06	P	3,000	$14.39	$43,161
2025-08-07	Karmelek Nicolas	Officer (EVP and CRO)	2025-08-05	P	5,200	$14.35	$74,620
2025-08-05	Saul Kennedy O	Director	2025-08-05	P	1,050	$14.47	$15,199
2025-08-05	Saul Kennedy O	Director	2025-08-05	P	3,100	$14.48	$44,888
2025-08-05	Nelson Jonathan Michael	Officer (EVP and CFO)	2025-08-05	P	7,000	$14.40	$100,778