AVBC

Avidia BancorpD

NYSE / Banks

At close

2026-07-22

Current thesis

AVBC has fresh conversion capital, was well-capitalized at year-end, and entered 2026 with improved margin and lower-cost deposit mix, so a clean Q1/Q2 reporting cycle could let investors reframe 2025's credit issue as isolated rather than structural [#10-K-2026-03-27].

Posture

Defensive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -2.0.

What can break

Additional credit costs tied to commercial real estate, construction, or land exposure

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $21.50 · Bull $23.50 · Bear $18.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $24.00

Why

Momentum40 · Δ7d -18.1

Value38 · Δ7d +0.0

Sentiment55 · Δ7d -2.0

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-18.1

Δ21d

-11.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

+0.0

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.0

Δ21d

-0.0

Why this grade

Composite grade D. Momentum 40.3 / Value 37.7 / Sentiment 55.3

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$406.14M

Beta

Shares Out

20.08M

P/E (TTM) · Derived

-114.0

P/S (TTM)

P/FCF (TTM) · Derived

11.04

Rev YoY

+7.8%

EPS YoY

-146.5%

Gross Margin

Op Margin

Net Debt

$277.61M

Current Ratio

0.05

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology