AVIDIA BANCORP INC (AVBC)
Financials · regional banks · NYSE
Avidia Bancorp is a community-focused bank holding company that combines regional retail banking in Massachusetts with a specialized nationwide payments processing and health savings account (HSA) business.
What AVIDIA BANCORP INC does
Avidia Bancorp is a bank holding company that conducts its operations through its subsidiary, Avidia Bank, a Massachusetts-chartered stock savings bank. The company provides a variety of deposit accounts, including Health Savings Accounts (HSAs) offered nationwide, and invests in residential mortgage, commercial real estate, and commercial and industrial loans. Additionally, the company engages in nationwide payments processing services for small businesses and other payment entities.
Recent developments
The company reported second quarter 2026 net income of $7.2 million and announced a 20% increase in its quarterly cash dividend to $0.06 per share. Additionally, the company was added to the Russell 2000 index in June 2026.
From AVIDIA BANCORP INC's filing of 2026-08-13.
Themes: regional banking, payments processing, HSA accounts, commercial real estate lending
Fundamentals
- Price$22.02 as of 2026-10-08 close
- Market cap$440M as of 2026-08-13 (share count; price 2026-10-08)
- 1-year return+47.7% 2025-10-08 close $14.91 → 2026-10-08 close $22.02
- P/E29.19 as of 2026-10-08
- ROE-0.9% FY2025, SEC XBRL
- Debt / equity0.07 as of 2026-09-03
- Beta0.47 as of 2026-09-03
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.1%; pays a dividend.
How AVBC compares in its sector
- price-to-earnings ratiotop 10% 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 10% 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How AVIDIA BANCORP INC looks technically
AVIDIA BANCORP INC (AVBC) is trading 10.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average has held above its 200-day average for at least 90 trading days — a long-sustained "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 9, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 8 trading days ago. It is 3.8% below its all-time high.
Trend
8
| Distance from the 200-day | it is trading 10.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $21.91 | $21.91 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $19.86 | $19.86 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 21.31. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average has held above its 200-day average for at least 90 trading days — a long-sustained "golden cross", a bullish long-term signal | at least 90 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 9, below the 25 that marks a real trend) | 8.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 52.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($21.31 to $22.55) — its "stochastic" reading is 57 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 57.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $22.90 | $22.90 |
|---|---|---|
| From the 52-week high | it is 3.8% below its 52-week high (its highest price of the past year) | -3.8% |
| Above the 52-week low | it is 53.9% above its 52-week low (its lowest price of the past year) | +53.9% |
| Below the 52-week high | it is 3.8% below its highest point of the past year | 3.8% |
| Since a 20-day breakout | it made a new 20-day low about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day high about 15 trading days ago | 15 sessions |
| All-time high | its highest closing price on record is $22.90 (set on 2026-07-28) | $22.90 |
| Given back of the 52-week move | over the past year its closes ranged ($14.37 to $22.59), and it has given back only a small part of its rise from last year’s low — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $17.25 to $17.51. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.9% |
| From the all-time high | it is 3.8% below its all-time high | -3.8% |
| Nearest price level | it is trading 2.4% below a resistance level at $22.54 — a price it turned at twice since 2026-08-19, most recently on 2026-09-18. Since 2025-08-01 it has 5 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.4% |
| All-time low | its lowest closing price on record is $14.00 (set on 2025-08-01) | $14.00 |
| Above the all-time low | it is 57.3% above its all-time low | +57.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.42 between its high and its low — about 1.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.42 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $21.37 and $22.47 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $21.37 – $21.92 – $22.47 |
| Typical daily range (% of price) | its price moves about 1.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.9% |
| Stretch from the 200-day average | it is trading 5.1 daily ranges above its 200-day average price (10.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.62× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 2.0% since the prior reading | +2.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a hammer | 5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 5 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.1% |
|---|---|---|
| Open gap | it gapped 3.0% above the previous close 53 sessions ago and has not traded back through the level it left behind at 20.24 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.0% |
| Gap filled | a 2.6% gap up opened on 2026-07-16 has been "filled" 58 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 58 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.6 percentage points (the stock gained 0.4% while the market gained 1.0%) | -0.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 5.0 percentage points (the stock gained 8.8% while the market gained 3.8%) | +5.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 5.4 percentage points (the stock gained 12.0% while the market gained 17.5%) | -5.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 32.7 percentage points (the stock gained 47.7% while the market gained 15.0%) | +32.7% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.4% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.4% of the share price. | +0.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $20.60 — a volume-weighted average of daily closes over 183 sessions, not a true tick-by-tick VWAP. | +6.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is sitting right on the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is roughly break-even. That average is $21.95 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | +0.3% |
Double top, bearish — forming · entry $21.23 · 49 sessions in
Price levels it has turned at before
AVBC last closed at $22.02 on 2026-10-08. Since 2025-08-01 it has turned at 5 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $22.54 | Resistance | 2.4% above the last close | turned there twice · 2026-08-19 to 2026-09-18 |
| $21.47 | Support | 2.5% below the last close | turned there six times · 2026-04-20 to 2026-10-01 |
| $20.68 | Support | 6.1% below the last close | turned there twice · 2026-06-12 to 2026-08-03 |
| $19.72 | Support | 10.4% below the last close | turned there five times · 2026-02-09 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $21.31.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 14 trading days, since 2026-09-21.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · Analyst price target recently RAISED · Near the all-time high · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$25.50 range $25.00 – $26.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for AVBC
- Consensus EPS estimate$0.38 next reporting period, as of 2026-10-06
- Estimate change, 30 days$0.00 (0.0%) from $0.38, on 2026-09-01, 35-day window
- Readings revised upward0% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["High dependence on interest rate environment fluctuations affecting margins, loan originations, and asset valuations.","Operational and security risks associated with nationwide payments processing and potential cyberattacks.","Credit risk related to commercial real estate and commercial and industrial loan portfolios."]
What changed in the latest 10-Q
AI-assisted comparison of AVBC's 10-Q filed 2026-08-13 against the prior one filed 2026-05-14.
Management's Discussion & Analysis (MD&A)
- Reworded:
- In the Allowance for Credit Losses paragraph, the newer filing (2026-08-13) states 'Loans are charged off against the allowance when management confirms that the balance is unlikely to be collected,' whereas the older filing (2026-05-14) states 'Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed.'
- Notes:
- The Newer MD&A text appears truncated at the end mid-sentence ('...that may include, but are not limited to, results of internal loan reviews, examinations') while the Older MD&A text also appears truncated at the end ('...results of internal loan reviews, exami'). The full extent of subsequent changes, if any, beyond the truncated portions cannot be compared from the provided text.
- The page break markers in the newer filing show '38' and in the older filing show '39' before 'Table of Contents'; this is formatting, not a substantive change.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
11 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-041 buy ($110600) · 0 sells — 1 buying insider
- Last 90 days · read to 2026-10-0411 buys ($586569) · 0 sells — 5 buying insiders
- Last 180 days · read to 2026-10-0430 buys ($1M) · 0 sells — 10 buying insiders
Cluster buying: 7 different insiders reported open-market purchases (SEC code P) of AVBC within a 30-day window between 2026-04-27 and 2026-05-27. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-14. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about AVBC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding AVBC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,555,738
- Reported value $32,654,946
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about AVBC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
AVBC had 482,507 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
AVBC had 2.42% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.59 days to cover at the same settlement.
- Reported short interest (shares) 482,507
- Short interest (% of shares outstanding) 2.42%
- Prior settlement (shares) 496,602
- Reported change -2.84%
- Days to cover (reported) 2.59
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Independent Bank Corp. (INDB)
- Eastern Bankshares (EBC)
- Brookline Bancorp (BRKL)
- Customers Bancorp (CUBI)
- Seacoast Banking Corporation of Florida (SBCF)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does AVIDIA BANCORP INC (AVBC) do?
Avidia Bancorp is a bank holding company that conducts its operations through its subsidiary, Avidia Bank, a Massachusetts-chartered stock savings bank. The company provides a variety of deposit accounts, including Health Savings Accounts (HSAs) offered nationwide, and invests in residential mortgage, commercial real estate, and commercial and industrial loans. Additionally, the company engages in nationwide payments processing services for small businesses and other payment entities.
What sector is AVIDIA BANCORP INC (AVBC) in?
AVIDIA BANCORP INC (AVBC) is classified in the Financials sector. Its industry is regional banks. It trades on NYSE.
Does AVBC pay a dividend?
Yes — AVIDIA BANCORP INC (AVBC) pays a dividend, with an indicated yield of about 1.06% (market data, as of 2026-09-03). Informational only — not financial advice.
Who are AVIDIA BANCORP INC's (AVBC) competitors?
Notable peers of AVIDIA BANCORP INC (AVBC) include Independent Bank Corp., Eastern Bankshares, Brookline Bancorp, Customers Bancorp and Seacoast Banking Corporation of Florida. This peer set is informational only — not financial advice.
Is AVIDIA BANCORP INC (AVBC) overbought or oversold right now?
AVIDIA BANCORP INC (AVBC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on AVBC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.