Avidia Bancorp, Inc.

AVBC

AVBCAvidia Bancorp, Inc. US flag

New York Stock Exchange

20.65

USD

+0.52

- -

414.57MMarket Cap

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.48	-1.54
Return on Assets (%)	- -	0.44	-0.12
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	3.58	3.49	2.98
Operating Margin (%)	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -
Pretax Margin (%)	19.46	17.9	-5.64
Profit Margin (%)	14.66	13.35	-3.27
Net Income to Common Margin (%)	14.66	13.35	-3.27
Effective Tax Rate (%)	24.66	25.44	- -
Dvd Payout Ratio (%)	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.48	-1.54

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	429	353	288
ST Debt	246	165	240
LT Debt	183	188	48
Total Debt/EBITDA	141.15	117.44	95.91
Net Debt/EBITDA	117.98	96.65	47.44
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	7.84	8.1	7.48
Long-Term Debt/Equity (%)	100.97	96.83	12.62
Long-Term Debt/Capital (%)	28.87	33.05	9.56
Long-Term Debt/Total Assets (%)	7.03	7.06	1.69
Total Debt/Equity (%)	237.03	181.96	75.94
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt/Total Assets (%)	16.49	13.28	10.14
Net Debt to Equity	198.12	149.74	37.56
Net Debt/Capital (%)	63.74	57.41	40.15
EBITDA	3	3	3
EBITDA-CapEx	- -	- -	-1
Operating Income (Loss)	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	7.84	8.1	7.48
Long-Term Debt/Equity (%)	100.97	96.83	12.62
Long-Term Debt/Capital (%)	28.87	33.05	9.56
Long-Term Debt/Total Assets (%)	7.03	7.06	1.69
Total Debt/Equity (%)	237.03	181.96	75.94
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt/Total Assets (%)	16.49	13.28	10.14
CFO/Total Liabilities	0.65	0.94	1.15
CFO/CapEx	5.01	8.37	6.62
Altman's Z-Score	0.14	0.15	0.22

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	9.82	11.55
Days Sales Outstanding	- -	37.15	31.6
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	312
- Cash & Cash Equivalents	70	62	145
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	429	353	288
Enterprise Value	110	24	275
Total Capital	632	568	500
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt / EV	3.91	14.51	1.05
EV/Sales	1.29	0.28	2.73
EV/EBITDA	36.14	8.09	91.66
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	7.03	1.05	9.7
EV/Free Cash Flow to Firm	5.86	0.93	8.42
Diluted Market Cap	- -	- -	312
Diluted Enterprise Value	358	290	454
EV per Share	5.46	1.21	14.84
TTM Sales	85	86	101
TTM EBITDA	3	3	3
TTM Operating Income	- -	- -	- -
TTM Cash Flow to Firm	16	23	28
TTM Free Cash Flow to Firm	19	26	33

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	9.54
EV/EBIT	- -	- -	- -
Enterprise Value	110	24	275
Low Price	- -	- -	14
EV/Sales	1.29	0.28	2.73
EV/EBITDA	36.14	8.09	91.66
Price/Earnings	- -	- -	- -
Price/Earnings Average	- -	- -	-87.12
Price/Earnings High	- -	- -	-99.67
Price/Earnings Low	- -	- -	-78.88
Price/Book Value	- -	- -	1.47
Price/Book Value Average	- -	- -	1.35
Price/Book Value High	- -	- -	1.54
Price/Book Value Low	- -	- -	1.22
Price/Tangible Book Value	- -	- -	0.86
Price/Tangible Book Value Average	- -	- -	0.79
Price/Tangible Book Value High	- -	- -	0.9
Price/Tangible Book Value Low	- -	- -	0.71
Price/Sales	- -	- -	3.09
Price/Sales Average	- -	- -	2.85
Price/Sales High	- -	- -	3.26
Price/Sales Low	- -	- -	2.58
Price/Cash Flow	- -	- -	10.98
Price/Cash Flow Average	- -	- -	10.1
Price/Cash Flow High	- -	- -	11.55
Price/Cash Flow Low	- -	- -	9.14
Price/Free Cash Flow Average	- -	- -	8.77
Price/Free Cash Flow High	- -	- -	10.04
Price/Free Cash Flow Low	- -	- -	7.94
EV/Sales Average	4.22	3.37	4.26
EV/Sales High	4.22	3.37	4.67
EV/Sales Low	4.22	3.37	3.99
EV/EBITDA Average	117.98	96.65	142.92
EV/EBITDA High	117.98	96.65	156.67
EV/EBITDA Low	117.98	96.65	133.89
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	- -	- -	16.81
High Price	- -	- -	17.69
Enterprise Value Average	358	290	429
Enterprise Value High	358	290	470
Enterprise Value Low	358	290	402

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.48	-1.54
Return on Assets (%)	- -	0.44	-0.12
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	3.58	3.49	2.98
Operating Margin (%)	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -
Pretax Margin (%)	19.46	17.9	-5.64
Profit Margin (%)	14.66	13.35	-3.27
Net Income to Common Margin (%)	14.66	13.35	-3.27
Effective Tax Rate (%)	24.66	25.44	- -
Dvd Payout Ratio (%)	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.48	-1.54

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	429	353	288
ST Debt	246	165	240
LT Debt	183	188	48
Total Debt/EBITDA	141.15	117.44	95.91
Net Debt/EBITDA	117.98	96.65	47.44
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	7.84	8.1	7.48
Long-Term Debt/Equity (%)	100.97	96.83	12.62
Long-Term Debt/Capital (%)	28.87	33.05	9.56
Long-Term Debt/Total Assets (%)	7.03	7.06	1.69
Total Debt/Equity (%)	237.03	181.96	75.94
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt/Total Assets (%)	16.49	13.28	10.14
Net Debt to Equity	198.12	149.74	37.56
Net Debt/Capital (%)	63.74	57.41	40.15
EBITDA	3	3	3
EBITDA-CapEx	- -	- -	-1
Operating Income (Loss)	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	7.84	8.1	7.48
Long-Term Debt/Equity (%)	100.97	96.83	12.62
Long-Term Debt/Capital (%)	28.87	33.05	9.56
Long-Term Debt/Total Assets (%)	7.03	7.06	1.69
Total Debt/Equity (%)	237.03	181.96	75.94
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt/Total Assets (%)	16.49	13.28	10.14
CFO/Total Liabilities	0.65	0.94	1.15
CFO/CapEx	5.01	8.37	6.62
Altman's Z-Score	0.14	0.15	0.22

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	9.82	11.55
Days Sales Outstanding	- -	37.15	31.6
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	312
- Cash & Cash Equivalents	70	62	145
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	429	353	288
Enterprise Value	110	24	275
Total Capital	632	568	500
Total Debt/Capital (%)	67.77	62.1	57.56
Total Debt / EV	3.91	14.51	1.05
EV/Sales	1.29	0.28	2.73
EV/EBITDA	36.14	8.09	91.66
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	7.03	1.05	9.7
EV/Free Cash Flow to Firm	5.86	0.93	8.42
Diluted Market Cap	- -	- -	312
Diluted Enterprise Value	358	290	454
EV per Share	5.46	1.21	14.84
TTM Sales	85	86	101
TTM EBITDA	3	3	3
TTM Operating Income	- -	- -	- -
TTM Cash Flow to Firm	16	23	28
TTM Free Cash Flow to Firm	19	26	33

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	9.54
EV/EBIT	- -	- -	- -
Enterprise Value	110	24	275
Low Price	- -	- -	14
EV/Sales	1.29	0.28	2.73
EV/EBITDA	36.14	8.09	91.66
Price/Earnings	- -	- -	- -
Price/Earnings Average	- -	- -	-87.12
Price/Earnings High	- -	- -	-99.67
Price/Earnings Low	- -	- -	-78.88
Price/Book Value	- -	- -	1.47
Price/Book Value Average	- -	- -	1.35
Price/Book Value High	- -	- -	1.54
Price/Book Value Low	- -	- -	1.22
Price/Tangible Book Value	- -	- -	0.86
Price/Tangible Book Value Average	- -	- -	0.79
Price/Tangible Book Value High	- -	- -	0.9
Price/Tangible Book Value Low	- -	- -	0.71
Price/Sales	- -	- -	3.09
Price/Sales Average	- -	- -	2.85
Price/Sales High	- -	- -	3.26
Price/Sales Low	- -	- -	2.58
Price/Cash Flow	- -	- -	10.98
Price/Cash Flow Average	- -	- -	10.1
Price/Cash Flow High	- -	- -	11.55
Price/Cash Flow Low	- -	- -	9.14
Price/Free Cash Flow Average	- -	- -	8.77
Price/Free Cash Flow High	- -	- -	10.04
Price/Free Cash Flow Low	- -	- -	7.94
EV/Sales Average	4.22	3.37	4.26
EV/Sales High	4.22	3.37	4.67
EV/Sales Low	4.22	3.37	3.99
EV/EBITDA Average	117.98	96.65	142.92
EV/EBITDA High	117.98	96.65	156.67
EV/EBITDA Low	117.98	96.65	133.89
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	- -	- -	16.81
High Price	- -	- -	17.69
Enterprise Value Average	358	290	429
Enterprise Value High	358	290	470
Enterprise Value Low	358	290	402

Shares Outstanding	20	20	19
Diluted Weighted Avg Shares	20	20	19
Basic Weighted Avg Shares	20	20	19
Revenue per Share	4.23	4.29	5.43
EBITDA per Share	0.15	0.15	0.16
Operating Income per Share	- -	- -	- -
Basic EPS, GAAP	0.62	0.57	-0.18
Basic EPS from Cont Ops	0.62	0.57	-0.18
Diluted EPS, GAAP	0.62	0.57	-0.18
Diluted EPS from Cont Ops	0.62	0.57	-0.18
Dividend per Share	- -	- -	- -
Cash Flow per Share	0.78	1.16	1.53
Free Cash Flow per Basic Share	0.62	1.02	1.3
Cash & Equivalents per Share	15.88	16.36	17.5
Book Value per Share	10.15	10.72	11.45
Tangible Book Value per Share	8.25	8.89	19.64

Avidia Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)