Avidia Bancorp, Inc. (AVBC) - Net Assets
Based on the latest financial reports, Avidia Bancorp, Inc. (AVBC) has net assets worth $378.99 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.84 Billion) and total liabilities ($2.46 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check AVBC financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $378.99 Million |
| % of Total Assets | 13.36% |
| Annual Growth Rate | 17.08% |
| 5-Year Change | 106.91% |
| 10-Year Change | N/A |
| Growth Volatility | 37.75 |
Avidia Bancorp, Inc. - Net Assets Trend (2020–2025)
This chart illustrates how Avidia Bancorp, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore how large is Avidia Bancorp, Inc.'s balance sheet for the complete picture of this company's asset base.
Annual Net Assets for Avidia Bancorp, Inc. (2020–2025)
The table below shows the annual net assets of Avidia Bancorp, Inc. from 2020 to 2025. For live valuation and market cap data, see market value of Avidia Bancorp, Inc..
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $378.99 Million | +95.53% |
| 2024-12-31 | $193.83 Million | +7.21% |
| 2023-12-31 | $180.80 Million | +12.18% |
| 2022-12-31 | $161.17 Million | -12.01% |
| 2021-12-31 | $183.17 Million | +6.34% |
| 2020-12-31 | $172.26 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Avidia Bancorp, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 21198100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $211.98 Million | 55.93% |
| Common Stock | $201.00K | 0.05% |
| Other Comprehensive Income | $-12.83 Million | -3.39% |
| Other Components | $179.64 Million | 47.40% |
| Total Equity | $378.99 Million | 100.00% |
Avidia Bancorp, Inc. Competitors by Market Cap
The table below lists competitors of Avidia Bancorp, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Barem Ambalaj Sanayi ve Ticaret a.s.
IS:BARMA
|
$353.94 Million |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR
|
$354.04 Million |
|
Jiangshan Oupai Door Industry Co Ltd
SHG:603208
|
$354.15 Million |
|
BP p.l.c
LSE:BP-A
|
$354.18 Million |
|
Galatasaray Sportif Sinai ve Ticari Yatirimlar AS
IS:GSRAY
|
$353.77 Million |
|
Helen of Troy Limited
F:HT2
|
$353.75 Million |
|
Hyliion Holdings Corp.
NYSE MKT:HYLN
|
$353.71 Million |
|
Shenzhen Institute of Building Research Co Ltd Class A
SHE:300675
|
$353.69 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Avidia Bancorp, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 193,827,000 to 378,994,000, a change of 185,167,000 (95.5%).
- Net loss of 3,289,000 reduced equity.
- Other comprehensive income increased equity by 8,614,000.
- Other factors increased equity by 179,842,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-3.29 Million | -0.87% |
| Other Comprehensive Income | $8.61 Million | +2.27% |
| Other Changes | $179.84 Million | +47.45% |
| Total Change | $- | 95.53% |
Book Value vs Market Value Analysis
This analysis compares Avidia Bancorp, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.01x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.41x to 1.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | $8.58 | $20.66 | x |
| 2021-12-31 | $9.12 | $20.66 | x |
| 2022-12-31 | $8.03 | $20.66 | x |
| 2023-12-31 | $9.01 | $20.66 | x |
| 2024-12-31 | $9.65 | $20.66 | x |
| 2025-12-31 | $20.45 | $20.66 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Avidia Bancorp, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -0.87%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.23%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.49x
- Recent ROE (-0.87%) is below the historical average (5.63%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 6.79% | 16.02% | 0.04x | 11.71x | $-5.54 Million |
| 2021 | 9.47% | 19.93% | 0.04x | 12.65x | $-963.20K |
| 2022 | 5.56% | 10.08% | 0.04x | 15.41x | $-7.16 Million |
| 2023 | 6.88% | 9.98% | 0.05x | 14.37x | $-5.64 Million |
| 2024 | 5.92% | 8.16% | 0.05x | 13.71x | $-7.90 Million |
| 2025 | -0.87% | -2.23% | 0.05x | 7.49x | $-41.19 Million |
Industry Comparison
This section compares Avidia Bancorp, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Avidia Bancorp, Inc. (AVBC) | $378.99 Million | 6.79% | 6.49x | $353.93 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Avidia Bancorp, Inc.
Avidia Bancorp, Inc. operates as the bank holding company for Avidia Bank that provides various financial services to individual and corporate customers. It provides savings and checking, certificate of deposit, individual retirement, money market, demand deposit, and interest-bearing and noninterest-bearing checking accounts. The company also offers commercial and industrial loans, one-to four-f… Read more