Avidbank Holdings, Inc. Financial Ratios — AVBH Stock

Profitability (USD)

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-5.76	-1.61	28.94	23.62	8.04	5.75	5.51	6.87	12.19	7.41	11.73	11.85	11.93	11.95	-8.37
Return on Assets (%)	-1.22	-0.22	3.63	2.24	0.72	0.55	0.57	0.69	1.16	0.79	1.31	1.26	1	0.93	-0.8
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-15.08	1.28	4.26	7.3	5.97	6.48	7.25	7.04	6.03	4.27	3.04	2.74	2.7	2.03	3.66
Operating Margin (%)	-31.61	-5.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	2.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	18.83	24.7	30.07	24.29	25.3	24.62	39.57	33.42	38.05	37.63	33.81	36.69	-87.2
Profit Margin (%)	-31.61	-5.02	17.4	29.03	17.18	15.05	15.29	15.42	26.43	17.44	27.4	27.09	23.69	25.87	-63.22
Net Income to Common Margin (%)	-31.61	-5.02	16	24.83	15.02	13.79	15.29	15.42	26.43	17.44	27.4	27.09	23.69	25.87	-63.22
Effective Tax Rate (%)	- -	- -	7.6	- -	42.85	38.03	39.56	37.36	33.21	47.81	28	28	29.91	29.49	- -
Dvd Payout Ratio (%)	- -	- -	5.91	0.11	-1.89	0.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	-5.76	-1.61	27.22	23.59	8.19	5.74	5.51	6.87	12.19	7.41	11.73	11.85	11.93	11.95	-8.37

Credit (USD)

Credit Ratios API ChatGPT

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	50	12	12	42	12	22	382	207	82
ST Debt	- -	- -	- -	- -	- -	- -	25	- -	- -	- -	- -	- -	360	185	60
LT Debt	- -	- -	- -	- -	- -	- -	25	12	12	42	12	22	22	22	22
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	38.43	6.91	7.05	30.17	9.6	16.59	199.74	125.61	72.37
Net Debt/EBITDA	20.64	-94.37	- -	-12.83	-22.56	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	157.17	75.42	-64.05
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	17.24	11.54	- -	8.12	7.68	9.59	10.99	9.25	9.82	11.38	10.96	10.29	7.41	8.09	10.93
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	48.5	20.88	18.39	46.87	11.78	18.53	13.25	11.8	7.83
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	24.62	17.27	15.53	31.91	10.54	15.63	4	5.59	6.06
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	5.33	1.93	1.81	5.33	1.29	1.91	0.98	0.95	0.86
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	97	20.88	18.39	46.87	11.78	18.53	231.02	111.07	29.18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	49.24	17.27	15.53	31.91	10.54	15.63	69.79	52.62	22.59
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	10.66	1.93	1.81	5.33	1.29	1.91	17.12	8.98	3.19
Net Debt to Equity	-58.05	-38.66	- -	-36.73	-56.76	-35.2	62.1	-17.37	-13.58	9.43	-15.73	-112.79	181.78	66.7	-25.83
Net Debt/Capital (%)	-138.39	-63.02	- -	-58.06	-131.29	-54.31	38.31	-21.03	-15.71	8.62	-18.66	882.07	64.51	40.01	-34.82
EBITDA	- -	- -	1	1	1	1	1	2	2	1	1	1	2	2	1
EBITDA-CapEx	- -	- -	- -	1	- -	1	1	1	2	-4	- -	1	2	2	1
Operating Income (Loss)	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	17.24	11.54	- -	8.12	7.68	9.59	10.99	9.25	9.82	11.38	10.96	10.29	7.41	8.09	10.93
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	48.5	20.88	18.39	46.87	11.78	18.53	13.25	11.8	7.83
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	24.62	17.27	15.53	31.91	10.54	15.63	4	5.59	6.06
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	5.33	1.93	1.81	5.33	1.29	1.91	0.98	0.95	0.86
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	97	20.88	18.39	46.87	11.78	18.53	231.02	111.07	29.18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	49.24	17.27	15.53	31.91	10.54	15.63	69.79	52.62	22.59
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	10.66	1.93	1.81	5.33	1.29	1.91	17.12	8.98	3.19
CFO/Total Liabilities	-0.6	0.53	- -	1.36	1.27	0.74	0.92	1.19	0.85	1.59	1.85	1.45	1.76	1.07	1.71
CFO/CapEx	- -	- -	9.93	24.08	5.29	10.97	12.1	24.14	48.55	1.92	17.06	19.94	218.84	482.79	419.71
Altman's Z-Score	-0.08	-0.02	- -	0.03	0.04	0.04	0.06	0.06	0.08	0.08	0.1	0.1	0.1	0.11	0.15

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	5.12	6.21	31.44	5.17	3.37	3.92	2.8	2.99	2.73	2.45	2.79	2.13	4.89	- -	- -
Days Sales Outstanding	71.29	58.76	11.61	70.53	108.38	93.15	130.38	122.25	133.7	148.83	131	171.18	74.58	- -	- -
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)

Enterprise Value API ChatGPT

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	291
- Cash & Cash Equivalents	8	5	- -	12	21	17	18	21	20	33	28	153	81	83	155
+ Preferred Equity and Hybrid Capital	- -	- -	- -	6	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	50	12	12	42	12	22	382	207	82
Enterprise Value	-8	-5	- -	-89	-71	-76	-47	-79	-98	-66	-72	-183	-25	-157	9
Total Capital	14	14	- -	34	38	48	102	67	75	131	112	138	547	393	363
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	49.24	17.27	15.53	31.91	10.54	15.63	69.79	52.62	22.59
Total Debt / EV	- -	- -	- -	- -	- -	- -	-1.05	-0.15	-0.12	-0.63	-0.16	-0.12	-15.39	-1.32	9.16
EV/Sales	5.97	4.86	- -	- -	- -	- -	0.26	- -	- -	1.76	1.19	- -	- -	0.06	0.29
EV/EBITDA	- -	379.43	- -	- -	- -	- -	3.55	- -	- -	41.26	39.29	- -	- -	3.11	7.9
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.21	- -	- -	5.19	3.21	- -	- -	0.23	0.23
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.11	- -	- -	3.41	3.04	- -	- -	0.23	0.23
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	231
Diluted Enterprise Value	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	301	124	159
EV per Share	8.48	11.61	- -	- -	- -	- -	1.07	- -	- -	11.11	8.43	- -	- -	0.69	0.82
TTM Sales	3	5	13	13	16	17	18	24	27	32	41	47	71	81	31
TTM EBITDA	- -	- -	1	1	1	1	1	2	2	1	1	1	2	2	1
TTM Operating Income	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	5	4	5	3	4	6	5	11	15	15	36	23	39
TTM Free Cash Flow to Firm	- -	- -	6	4	6	4	4	7	5	17	16	15	36	23	39

Multiples (USD)

Valuation Multiples API ChatGPT

	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.91
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-8	-5	- -	-89	-71	-76	-47	-79	-98	-66	-72	-183	-25	-157	9
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.54
EV/Sales	5.97	4.86	- -	- -	- -	- -	0.26	- -	- -	1.76	1.19	- -	- -	0.06	0.29
EV/EBITDA	- -	379.43	- -	- -	- -	- -	3.55	- -	- -	41.26	39.29	- -	- -	3.11	7.9
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-11.35
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-12.46
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-9.59
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.99
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.99
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.47
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.17
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.88
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.06
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.92
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.68
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.24
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.8
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.67
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.23
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.79
EV/Sales Average	6.31	4.71	- -	0.87	0.53	1.12	1.78	1.94	2.17	0.26	3.09	0.11	4.24	1.53	6.68
EV/Sales High	6.92	5.59	- -	1.13	0.94	1.49	1.78	2.37	2.87	0.26	3.35	0.32	4.24	1.53	7.56
EV/Sales Low	5.41	3.86	- -	0.69	0.02	0.91	1.78	1.82	1.93	0.26	2.57	- -	4.24	1.53	5.28
EV/EBITDA Average	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	157.17	75.42	182.31
EV/EBITDA High	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	157.17	75.42	206.41
EV/EBITDA Low	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	157.17	75.42	144.09
EV/EBIT Average	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.56
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.99
Enterprise Value Average	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	301	124	207
Enterprise Value High	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	301	124	234
Enterprise Value Low	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	301	124	163

Shares Outstanding	2	2	- -	3	3	4	4	4	5	6	6	6	8	8	11
Diluted Weighted Avg Shares	2	2	3	3	3	4	4	5	5	5	6	6	7	8	9
Basic Weighted Avg Shares	2	2	3	3	3	3	4	4	5	5	6	6	7	7	9
Revenue per Share	1.42	2.39	4.91	5.08	6.12	4.8	4.15	5.4	6.08	6.31	7.06	8.18	9.68	10.94	3.55
EBITDA per Share	-0.21	0.03	0.21	0.37	0.36	0.31	0.3	0.38	0.37	0.27	0.21	0.22	0.26	0.22	0.13
Operating Income per Share	-0.45	-0.12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.45	-0.12	0.79	1.26	0.92	0.66	0.63	0.83	1.61	1.1	1.93	2.22	2.29	2.83	-2.25
Basic EPS from Cont Ops	-0.45	-0.12	0.85	1.47	1.05	0.72	0.63	0.83	1.61	1.1	1.93	2.22	2.29	2.83	-2.25
Diluted EPS, GAAP	-0.45	-0.12	0.79	1.26	0.91	0.64	0.62	0.81	1.56	1.08	1.9	2.17	2.24	2.76	-2.25
Diluted EPS from Cont Ops	-0.45	-0.12	0.85	1.47	1.04	0.7	0.62	0.81	1.56	1.08	1.9	2.17	2.24	2.76	-2.25
Dividend per Share	- -	- -	0.12	0.21	0.11	0.06	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.22	0.3	2.05	1.61	1.84	0.97	0.88	1.47	1.1	2.14	2.62	2.54	4.96	3.06	4.49
Free Cash Flow per Basic Share	-0.22	0.3	1.84	1.55	1.49	0.88	0.81	1.41	1.07	1.03	2.47	2.41	4.94	3.05	4.47
Cash & Equivalents per Share	4.41	2.95	- -	36.16	29.39	17.72	22.4	20.45	23.38	18.28	14.1	33.65	52.34	46.01	33.23
Book Value per Share	7.6	7.64	- -	10.63	12.2	11.21	11.84	12.49	13.5	15.12	16.84	19.12	21.27	23.57	25.66
Tangible Book Value per Share	7.6	7.64	- -	10.63	12.2	11.21	11.84	12.49	13.5	15.12	16.84	19.12	21.27	23.57	25.66

Avidbank Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)