AVIDBANK HOLDINGS INC (AVBH)
Financials · Regional Banks · NASDAQ
A Bay Area-based commercial bank specializing in customized lending for small-to-medium businesses, technology firms, and venture-backed companies.
What AVIDBANK HOLDINGS INC does
Avidbank Holdings is a bank holding company headquartered in San Jose, California, that operates through its subsidiary, Avidbank, a full-service commercial bank. The company provides lending, deposit, and treasury management services to small-to-medium-sized businesses, technology companies, and individuals, with a strong focus on the Bay Area and a growing national presence in venture lending and specialty finance. It specializes in commercial and industrial lending, venture lending, asset-based lending, real estate construction, and commercial real estate finance.
Recent developments
In the second quarter of 2026, the company launched a new Small Business Administration (SBA) lending division to expand its commercial banking platform. Financial results for the quarter included a $2.6 million litigation settlement expense and $1.3 million in bank-owned life insurance (BOLI) death benefit income.
From AVIDBANK HOLDINGS INC's filing of 2026-08-12.
Themes: commercial banking, venture lending, real estate finance, Bay Area economy, AI disruption risks, small business lending
Fundamentals
- Price$31.35 as of 2026-10-08 close
- Market cap$134M date unknown (no dated share count)
- 1-year return+22.1% 2025-10-08 close $25.68 → 2026-10-08 close $31.35
- P/E9.39 as of 2026-10-08
- ROE-7.0% FY2025, SEC XBRL
- Debt / equity2.21 as of 2026-09-03
- Beta0.34 as of 2026-09-03
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
How AVBH compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 10% 559 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 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 AVIDBANK HOLDINGS INC looks technically
AVIDBANK HOLDINGS INC (AVBH) is trading 4.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 281 trading days ago — a "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 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It made a new 20-day low about 6 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 4.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +4.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $31.86 | $31.86 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $30.14 | $30.14 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| 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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 30.57. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 281 trading days ago — a "golden cross", a bullish long-term signal | 281 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 13, below the 25 that marks a real trend) | 13.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 47.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($30.57 to $31.92) — its "stochastic" reading is 58 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 climbing within that range over the last few sessions. | 57.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $34.18 | $34.18 |
|---|---|---|
| From the 52-week high | it is 8.3% below its 52-week high (its highest price of the past year) | -8.3% |
| Above the 52-week low | it is 30.5% above its 52-week low (its lowest price of the past year) | +30.5% |
| Below the 52-week high | it is 8.3% below its highest point of the past year | 8.3% |
| Since a 20-day breakout | it made a new 20-day low about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day low about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $34.18 (set on 2026-07-02) | $34.18 |
| Given back of the 52-week move | over the past year its closes ranged ($24.37 to $33.51), and it has given back roughly a quarter of its rise from last year’s low — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $27.57 to $27.86. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 23.6% |
| From the all-time high | it is 8.3% below its all-time high | -8.3% |
| Nearest price level | it is sitting right on a support level at $31.26 — a price it turned at five times since 2026-02-04, most recently on 2026-09-16. Since 2024-10-08 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.3% |
| All-time low | its lowest closing price on record is $4.60 (set on 2010-10-08) | $4.60 |
| Above the all-time low | it is 581.5% above its all-time low | +581.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move | 4th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.536 between its high and its low — about 1.7% 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 | $0.536 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $30.91 and $31.80 — 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 | $30.91 – $31.35 – $31.80 |
| Typical daily range (% of price) | its price moves about 1.7% 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 | 1.7% |
| Stretch from the 200-day average | it is trading 2.3 daily ranges above its 200-day average price (4.0% 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 | 2.3 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 | 0.60× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 2 sessions 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 | 2 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.1% |
|---|
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 2.1 percentage points (the stock lost 1.1% while the market gained 1.0%) | -2.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 6.3 percentage points (the stock lost 2.5% while the market gained 3.8%) | -6.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.8 percentage points (the stock gained 8.7% while the market gained 17.5%) | -8.8% |
| vs market, 12 months | over the past 12 months this stock beat the market by 7.1 percentage points (the stock gained 22.1% while the market gained 15.0%) | +7.1% |
Signal agreement
2
| Bullish technical signals | 3 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 — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.9% below 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 downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.1% of the share price, which is taken to mean a barrier that gives way easily. | -2.9% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $30.59 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +2.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $31.97 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -1.9% |
Price levels it has turned at before
AVBH last closed at $31.35 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $31.26 | Support | 0.3% below the last close | turned there five times · 2026-02-04 to 2026-09-16 |
| $31.93 | Resistance | 1.9% above the last close | turned there twice · 2026-07-08 to 2026-08-10 |
| $30.50 | Support | 2.7% below the last close | turned there four times · 2026-04-09 to 2026-10-01 |
| $33.41 | Resistance | 6.6% above the last close | turned there twice · 2026-07-20 to 2026-08-13 |
| $28.74 | Support | 8.3% below the last close | turned there twice · 2026-03-13 to 2026-03-24 |
| $34.11 | Resistance | 8.8% above the last close | turned there twice · 2026-07-02 to 2026-07-30 |
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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $30.57.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $34.20 and $36.45 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $30.57.
This reading has stood for 5 trading days, since 2026-10-02.
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) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · lagging the market · Printed a bullish engulfing pair | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.20 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$38.80 range $37.00 – $40.00; median $39.00
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 AVBH
- Consensus EPS estimate$0.868 next reporting period, as of 2026-10-06
- Estimate change, 30 days-$0.0095 (-1.1%) from $0.8775, on 2026-09-01, 35-day window
- Readings revised upward0% of 8 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)
["Geographic concentration in California and the Bay Area makes the bank highly sensitive to local economic downturns and the real estate sector.","Concentration in venture lending and software-as-a-service (SaaS) borrowers creates sensitivity to technological disruption, including AI-driven impacts on client business models.","Dependence on brokered and reciprocal deposits to manage liquidity and balance sheet position."]
What changed in the latest 10-Q
AI-assisted comparison of AVBH's 10-Q filed 2026-08-12 against the prior one filed 2026-05-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-12) adds 'and with our Annual Report on Form 10-K for the fiscal year ended December 31, 2025' to the opening paragraph's instruction to read the discussion in conjunction with the consolidated financial statements.
- Newer filing (2026-08-12) adds 'our use of the net proceeds from our completed public offering;' as a risk factor bullet, replacing the older bullet that referred to 'our recent completed public offering'.
- Removed:
- Older filing (2026-05-13) contained the phrase 'our use of the net proceeds from our recent completed public offering;' which is removed in the newer filing.
- Reworded:
- Older filing (2026-05-13) used the word 'phases' in 'words or phases of similar meaning'; newer filing (2026-08-12) uses 'words or phrases of similar meaning'.
- Older filing (2026-05-13) risk factor bullet stated 'our use of the net proceeds from our recent completed public offering;'; newer filing (2026-08-12) states 'our use of the net proceeds from our completed public offering;' (removal of 'recent').
- Page break location: older filing (2026-05-13) shows the page number 29 before 'Table of Contents'; newer filing (2026-08-12) shows page number 30 before 'Table of Contents', reflecting pagination change in the document.
- Notes:
- The newer filing text is truncated at 'We are a bank holding' and the older filing text appears truncated at 'operates through our wholly', so changes after those points cannot be assessed.
- The opening paragraph of the newer filing added a reference to the Annual Report on Form 10-K for fiscal year ended December 31, 2025, which is absent from the older filing's opening paragraph.
Risk Factors
- Added:
- The newer filing (2026-08-12) states that SaaS borrowers represent approximately 9% of the total loan portfolio, whereas the older filing (2026-05-13) stated approximately 8%.
- The newer filing (2026-08-12) reports that no shares were repurchased under the publicly announced stock repurchase program during the three months ended June 30, 2026.
- The newer filing (2026-08-12) includes a table showing 149 shares surrendered during the quarter ended June 30, 2026 to settle employee tax withholding obligations, at an average price of $30.64, with 257,433 shares remaining available under the plan.
- The newer filing (2026-08-12) states in Item 5 that no director or officer adopted or terminated a Rule 10b5-1 trading arrangement during the three months ended June 30, 2026.
- The newer filing (2026-08-12) adds Exhibit 10.1, an Employment Confirmation Letter between Avidbank and Jonathan M. Dale dated June 26, 2026, incorporated by reference to a Form 8-K filed August 3, 2026.
- Removed:
- The older filing (2026-05-13) reported that during the three months ended March 31, 2026, the Company repurchased 25,000 shares of common stock for $693 thousand at an average price of $27.69 per share under the publicly announced stock repurchase program.
- The older filing (2026-05-13) included a table reporting repurchases and surrenders during the quarter ended March 31, 2026, with 47,695 total shares purchased at an average price of $27.99, including 25,000 shares under the announced program and 22,695 shares surrendered for tax withholding obligations.
- The older filing (2026-05-13) stated in Item 5 that no director or officer adopted or terminated a Rule 10b5-1 trading arrangement during the three months ended March 31, 2026.
- Reworded:
- The newer filing (2026-08-12) changed the description of the stock repurchase table to cover only shares surrendered for tax withholding obligations, while the older filing (2026-05-13) described the table as covering repurchases under the program as well as shares surrendered.
- The newer filing (2026-08-12) updated the footnote to reflect 149 shares acquired during the quarter ended June 30, 2026 for tax withholding obligations, compared to the older filing (2026-05-13) footnote reflecting 22,695 shares acquired during the quarter ended March 31, 2026.
- The newer filing (2026-08-12) changed the exhibit footnote for Exhibits 31.1, 31.2, 32.1, and 32.2 from '**' in the older filing to '*' for 31.1/31.2 and '**' for 32.1/32.2.
- Notes:
- The provided newer and older excerpts include content beyond the Risk Factors section (Items 2 through 6), which was compared because it was present in both source texts.
- No materiality, legal, or investment conclusions are made; changes are described factually only.
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)
0 open-market purchases and 2 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 90 days · read to 2026-10-040 buys · 2 sells ($378575) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 2 sells ($378575) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-09. 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 AVBH'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)
4 institutional 13F filers reported holding AVBH as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 898,488
- Reported value $29,677,055
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 AVBH's institutional holders → See what each manager we track holds →
Short interest (FINRA)
AVBH had 383,464 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for AVBH because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 383,464
- Prior settlement (shares) 353,754
- Reported change 8.4%
- Days to cover (reported) 5.73
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
- Silicon Valley Bank (defunct/acquired)
- Western Alliance Bancorporation (WAL)
- PacWest Bancorp (acquired)
- East West Bancorp (EWBC)
- Cathay General Bancorp (CATY)
- Bridge Bank (part of Western Alliance)
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 AVIDBANK HOLDINGS INC (AVBH) do?
Avidbank Holdings is a bank holding company headquartered in San Jose, California, that operates through its subsidiary, Avidbank, a full-service commercial bank. The company provides lending, deposit, and treasury management services to small-to-medium-sized businesses, technology companies, and individuals, with a strong focus on the Bay Area and a growing national presence in venture lending and specialty finance.
What sector is AVIDBANK HOLDINGS INC (AVBH) in?
AVIDBANK HOLDINGS INC (AVBH) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Who are AVIDBANK HOLDINGS INC's (AVBH) competitors?
Notable peers of AVIDBANK HOLDINGS INC (AVBH) include Silicon Valley Bank (defunct/acquired), Western Alliance Bancorporation, PacWest Bancorp (acquired), East West Bancorp and Cathay General Bancorp. This peer set is informational only — not financial advice.
Is AVIDBANK HOLDINGS INC (AVBH) overbought or oversold right now?
AVIDBANK HOLDINGS INC (AVBH) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, 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 AVBH 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.