Stock fact sheet · data as of
Avidia Bancorp, Inc. (AVBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is AVBC undervalued?
Avidia Bancorp, Inc. (AVBC) closed at 21.83 on 16 Oct 2026, close to the GLS average fair value of 23.04 (5.3% below fair value). 3 of the 8 models that produced a number sit above the price, 5 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 8 models disagree widely: DDM gives 2.35 while Payback Time gives 55.50. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files AVBC under Blend.
Nine valuation models for AVBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 21.14 | -3% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 16.88 | -23% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.61 | -79% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 32.82 | +50% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 40.52 | +86% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 55.50 | +154% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.35 | -89% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 10.52 | -52% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -121.86 | -658% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 25.50 | +17% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health AVBC scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is low at 4.5 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC -0.5%, ROE -0.9%, ROA -0.1% - with debt at 0.76 times equity and a free-cash-flow yield of 7.2%.
The dividend yield is 0.73% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 4/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | -0.5% |
|---|---|---|---|
| GLS Moat | 4.5 / 10 | ROE | -0.9% |
| Debt / equity | 0.76 | ROA | -0.1% |
| Free-cash-flow yield | 7.2% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 64: Fair
AVBC scores 64 out of 100 on the Wheel Score (Fair band, 50-64): a usable but unremarkable fit for the wheel strategy. The parts: Value 15/25, Health 16/20, Moat 7/15, Premium 20/20, Stability 7/20. Stability (7/20) is where the points are missing.
Implied volatility is 50% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 597 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 101k shares a day on a market cap of $436M, with a beta of -0.51 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 15 / 25 | 5% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 7 / 15 | moat 4.5/10 | |
| Premium | 20 / 20 | implied volatility 50% | |
| Stability | 7 / 20 | 101k shares/day, $436M cap, beta -0.51 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Avidia Bancorp, Inc. reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Avidia Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PBFS Pioneer Bancorp, Inc. | 17.61 | 12.50 | -41% | 27No options | $437M |
| FRBA First Bank | 17.73 | 33.32 | +47% | 79Good | $439M |
| CBK Commercial Bancgroup, Inc. Common Stock | 31.49 | 33.66 | +6% | 39No options | $431M |
| RBB RBB Bancorp | 25.49 | 30.43 | +16% | 68Good | $431M |
| PLBC Plumas Bancorp | 61.59 | 72.05 | +15% | 39No options | $429M |
| BMRC Bank of Marin Bancorp | 26.39 | 51.78 | +49% | 72Good | $427M |
| CBAN Colony Bankcorp, Inc. | 20.03 | 26.80 | +25% | 65Good | $425M |
| CZNC Citizens & Northern Corporation | 25.36 | 35.25 | +28% | 69Good | $455M |
| USCB USCB Financial Holdings, Inc. | 21.95 | 37.31 | +41% | 39No options | $406M |
| ISTR Investar Holding Corporation | 28.69 | 24.19 | -19% | 31No options | $395M |
| PDLB Ponce Financial Group, Inc. | 19.95 | 48.40 | +59% | 79Good | $483M |
| PBAM Private Bancorp of America, Inc. | 84.35 | 133.28 | +37% | 39No options | $483M |
⚖ Compare AVBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AVBC
Is AVBC undervalued right now?
Not meaningfully: at 21.83 the stock trades within a few percent of the GLS average fair value of 23.04 (5.3% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of AVBC and what does it mean?
AVBC scores 64 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for AVBC?
23.04 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Avidia Bancorp, Inc. report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does AVBC have listed options, and how liquid are they?
Yes. The nightly snapshot found 58 listed contracts with 597 open interest across all expiries and implied volatility of 50% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.