AVBC · NYSE · Banks - Regional

Avidia Bancorp (AVBC)

Operates a Hudson-based bank that combines local offices with digital banking.

$22.27
Pre-market+0.09 (+0.41%)
At close$22.18(+2.21%)
Loading prices…

Avidia Bancorp, Inc.AVBCFinancials

Through Avidia Bank, the holding company gathers deposits and makes residential mortgage, commercial real-estate, and commercial loans. Its business is concentrated in Massachusetts, combining a local office network with digital banking services.

Serving households and businesses through Avidia Bank, the holding company gathers deposits and deploys them in one- to four-family residential mortgages, commercial real-estate loans, and commercial loans. The bank also provides digital banking services alongside a nine-office local network.

Operations are concentrated in western Middlesex County and eastern Worcester County, Massachusetts, with the principal office in Hudson. The branch franchise reaches Hudson, Marlborough, Framingham, Clinton, Leominster, Westborough, Northborough, and Shrewsbury.

Formed in 2025 through the mutual-to-stock conversion of Assabet Valley Bancorp, the parent owns a Massachusetts-chartered stock savings bank. Its present banking franchise originates in the 2007 merger of Hudson Savings Bank and The Westborough Savings Bank.

Company facts

CEORobert D. Cozzone
ListedAug 1, 2025
ExchangeNYSE
HeadquartersHudson, MA
CountryUnited States
Employees241
CIK0002058758
ISINUS05369T1007

Market cap$444.9M
EPS (ttm)$0.9510
P/E (ttm)23.30
ROE4.6%
P/B1.06
P/S2.91
Dividend yieldDiv yield0.50%
Beta0.48vs XLF 0.61

Unavailable right now.

Next report
Oct 22, 2026
estimated · in 49 days
EPS estimate
$0.38
Revenue estimate
$30.1M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Mar '24Jun '24Mar '25Aug '25Jan '26Apr '26Jul '26Oct '26
Reported$0.18$0.12−$0.58$0.19$0.29$0.32$0.39Pending
Estimate$0.16$0.30$0.30$0.34$0.38
Surprise+20.6%−3.3%+6.7%+14.7%

RevenueReportedEstimate

Mar '24Jun '24Mar '25Aug '25Jan '26Apr '26Jul '26Oct '26
Reported$34.7M$33.3M$34.1M$36.2M$27.3M$28.3M$29.9MPending
Estimate$27.6M$28.1M$28.8M$30.1M
Surprise−1.0%+0.6%+3.7%
Estimate$0.38
ReportedDue Oct 22, 2026
Estimate$30.1M
ReportedDue Oct 22, 2026
View details

Debt to equity48.20%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$35.0M$33.5M$34.8M$37.1M$38.4M$37.5M$37.9M$39.1M
Net income$2.1M$3.5M−$11.6M$3.9M−$907.0K$5.3M$6.0M$7.2M
Net margin5.9%10.5%0.0%10.4%0.0%14.2%15.8%18.3%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$2.7M$4.8M−$16.5M$5.0M−$2.0M$7.7M$8.2M$9.5M
YoY growth−446.9%+61.7%−171.0%+61.8%+88.3%

Balance sheet, Jun 30, 2026Cash & short-term investments $19.2M · Total debt $187.9M · Total assets $2.78B · Shareholders' equity $389.5M

Revenue
$39.1M
Operating income
$9.5M
Net income
$7.2M
View details

Next ex-date
Feb 18, 2027
estimated · in 168 days
Annual dividend
$0.11
per share
Dividend yield
0.50%
Schedule
Semi-annual
2 payments a year

Last raised to $0.06 from $0.05 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Aug 18, 2026Aug 18Aug 27$0.06raised from $0.05
May 19, 2026May 19May 28$0.05
Feb 17, 2026Feb 17Feb 26$0.05
View details

Institutions82 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail≈ 35.91%7.21M shares
Insiders20 holders · as of Aug 27, 20262.93%588.2K shares
Otherremainder≈ 61.16%12.28M shares

20.08M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Avidia Bank Employee Stock Ownership Plan TrustInstitution
8.00%1.61M13Gfiled Nov 13, 2025
T. Rowe Price Investment Management, Inc.Institution
5.84%1.17M13Fas of Jun 30, 2026
BlackRock, Inc.Institution
5.74%1.15M13Fas of Jun 30, 2026
Vanguard Capital Management LLCInstitution
3.99%800,79313Fas of Jun 30, 2026
FJ Capital Management LLCInstitution
2.48%497,25813Fas of Jun 30, 2026
See all 25

13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 26, 2026Joseph F. Grimaldodirector+5,000$22.02
Aug 17, 2026Thomas Doaneofficer: EVP- Human Resources+1,726$22.31
Aug 11, 2026Joseph F. Grimaldodirector+4,655$21.44
Aug 11, 2026Kennedy O. Sauldirector+5,900$21.65
May 15, 2026Michael O. Gillesdirector+3,000$19.07
View details

  • Independent Bank

    Massachusetts retail, commercial banking, and wealth-services overlap

  • Beacon Financial

    Northeast regional bank across deposits, commercial lending, and retail

  • Eastern Bankshares

    Eastern Massachusetts retail, commercial, small-business, and trust overlap

  • NB Bancorp

    MetroWest deposits, commercial lending, and consumer banking overlap

ComparePre-market

CompanyPriceChange
Avidia Bancorp$22.27+0.41%$444.9M23.315.42.9−17.4%
Independent Bank$81.60+2.08%$3.94B14.710.63.1+1.1%
Beacon Financial$31.54+0.90%$2.63B23.79.82.3+92.8%
Eastern Bankshares$22.38+1.66%$5.09B12.510.93.6+29.6%
NB Bancorp$22.600.00%$938.0M15.29.22.5−10.0%
Median15.010.22.8+15.4%