B+
Bull case
25%
Probability
Target price
$31.36
Analysis reference price unavailable
Analysis 2025-11-03 · RankAlpha Sentiment AI
AVBH
AvidbankDNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Loan growth, stable deposits, and modest NIM expansion lift EPS and justify a re-rating toward the bull target.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.2.
What can break
Commercial-credit deterioration
Momentum
39
Value
35
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $26.13 · Bull $31.36 · Bear $20.90Analysis 2025-11-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2025-11-03 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $38.50
Why
Momentum39 · Δ7d +0.9
Value35 · Δ7d +0.8
Sentiment51 · Δ7d +3.2
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +3.2.
Contradictions & invalidation
- • Commercial-credit deterioration
- • Deposit attrition or rising funding costs
- • Reserve builds, deposit outflows, or margin compression reduce EPS and push the stock toward the bear target.
Catalyst clock
No dated catalyst is available.
Quarterly earnings (near-term)
Lead driver: Sentiment · See AI snapshot
Momentum
39
9% active weight
Current posture
7d trendFlat
Δ7d
+0.9
Δ21d
-7.3
Value
35
28% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+0.9
Sentiment
51
62% active weight
Current posture
7d trendImproving
Δ7d
+3.2
Δ21d
+5.4
Why this grade
Composite grade D. Momentum 39.2 / Value 35.4 / Sentiment 50.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-11-03. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$26.13
Analysis reference price unavailable
Analysis 2025-11-03 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$20.90
Analysis reference price unavailable
Analysis 2025-11-03 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$358.61M
Beta
0.38
Shares Out
10.98M
P/E (TTM)
11.0
P/S (TTM)
3.21
P/FCF (TTM)
11.56
Rev YoY
+15.6%
EPS YoY
-5.9%
Gross Margin
-
Op Margin
+40.0%
Net Debt
$80.27M
Current Ratio
0.07
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data