Avidbank Holdings, Inc. (AVBH): fair value, margin of safety and Wheel Score

Is AVBH undervalued?

Avidbank Holdings, Inc. (AVBH) closed at 34.92 on 5 Nov 2026. The GLS average fair value - the simple average of the 5 valuation models that produced a positive number - is 48.67, so the price sits 28% below it. 4 of the 5 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

There is a wide gap between GLS Growth (19.84) and Graham Growth (103.73). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

The nightly engine files AVBH under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.

Nine valuation models for AVBH

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.

Quality and financial health

Avidbank Holdings, Inc. scores only 3 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability AVBH scores 6.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are moderate - ROIC 7.9%, ROE 8.5%, ROA 0.9% - with debt at 0.08 times equity and negative free cash flow.

Avidbank Holdings, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Bank Owned Life Insurance Income 54%, Other Noninterest Income 46% (quarter Q3 FY2025).

Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 30: No options

No options are listed on Avidbank Holdings, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 30, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 108k shares a day on a market cap of $384M, with a beta of 0.30 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

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

The next earnings report is due on 1 Feb 2027, 88 days away - outside the window of a 30-45-day put sold today.

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.

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The 12 companies below are the closest to Avidbank Holdings, 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.

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