Stock fact sheet · data as of
Avidia Bancorp, Inc. (AVBC): fair value, margin of safety and Wheel Score
Ticker symbol AVBC · Financial Services · Banks - Regional · United States · Blend
Is AVBC undervalued?
Avidia Bancorp, Inc. (AVBC) closed at 23.05 on 5 Nov 2026, 22% above the GLS average fair value of 18.93. Only 2 of the 8 models that produced a number value the shares above the current price. The margin of safety is negative, so the stock fails the "below fair value" Wheel Trade Filter; a premium of this size is common for companies whose growth the models are conservative about.
The 8 models disagree widely: DDM gives 2.35 while GLS Growth gives 47.70. 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for AVBC, so the nightly engine files it under Blend (value score 49, growth score 51, out of 100).
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 | 25.91 | +12% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 20.70 | -10% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.28 | -81% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 47.70 | +107% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 19.87 | -14% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 14.16 | -39% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.35 | -90% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 16.50 | -28% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -137.19 | -695% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 25.50 | +11% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - AVBC passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.5 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
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 2.0%.
The dividend yield is 0.69% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | -0.5% |
|---|---|---|---|
| GLS Moat | 4.5 / 10 | ROE | -0.9% |
| Debt / equity | 0.76 | ROA | -0.1% |
| Free-cash-flow yield | 2.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 36: Weak
AVBC scores 36 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 1, options that actually trade - options too quiet (234 open interest, 83 a day); and filter 3, below fair value - trades 22% above our fair value; and filter 8, big enough - market cap $409M (under $1.0B), and the parts are thin too - value weak, premium strong, moat fair, health good, red flags strong, option trading weak, stability fair. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 51% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 234 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 145k shares a day on a market cap of $409M, with a beta of -0.50 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (234 open interest, 83 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 22% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $409M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 22% above fair value | |
| Premium | Strong | implied volatility 51% | |
| Moat | Fair | moat 4.5/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Strong | Red Flags score 100/100 | |
| Option trading | Weak | 83 contracts a day, 234 open interest | |
| Stability | Fair | beta -0.50, $409M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for AVBC in the nightly calendar. The shares go ex-dividend on 17 Nov 2026 (0.0600 per share), so a covered call sold before then carries a small early-assignment risk around that date.
No analyst upgrades or downgrades were recorded in the last 30 days.
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 |
|---|---|---|---|---|---|
| FCBM First Carolina Financial Services | 13.50 | 26.41 | +49% | 31No options | $408M |
| FDBC Fidelity D & D Bancorp, Inc. | 70.07 | 66.19 | -6% | 23No options | $407M |
| NECB Northeast Community Bancorp, Inc. | 29.87 | 81.27 | +63% | 52Fair | $411M |
| NWFL Norwood Financial Corp. | 36.59 | 49.63 | +26% | 33No options | $399M |
| CHMG Chemung Financial Corporation | 86.88 | 79.83 | -9% | 19No options | $419M |
| FNLC The First Bancorp, Inc. | 37.15 | 34.38 | -8% | 35Weak | $419M |
| CZFS Citizens Financial Services, Inc. | 87.30 | 101.59 | +14% | 26No options | $420M |
| PKBK Parke Bancorp, Inc. | 33.44 | 48.92 | +32% | 51Fair | $393M |
| ISTR Investar Holding Corporation | 28.49 | 27.40 | -4% | 19No options | $393M |
| RVRF River Financial Corp. | 50.00 | 110.88 | +55% | 38No options | $391M |
| MSBC Mission Bancorp | 125.00 | 136.80 | +9% | 26No options | $385M |
| MFGI Merchants Financial Group, Inc. | 47.00 | 38.33 | -23% | 20No options | $384M |
⚖ Compare AVBC with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about AVBC
Is AVBC undervalued right now?
No: at 23.05 the stock trades 22% above the GLS average fair value of 18.93 (data as of 5 Nov 2026). The margin of safety is negative.
What is the Wheel Score of AVBC and what does it mean?
AVBC scores 36 out of 100 (Weak) - it fails Wheel Trade Filters 1, 3, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for AVBC?
18.93 per share as of 5 Nov 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?
No upcoming earnings date is recorded for AVBC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does AVBC have listed options, and how liquid are they?
Yes. The nightly snapshot found 22 listed contracts with 234 open interest across all expiries and implied volatility of 51% 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.