Avidbank Holdings

AVBH

Banks - Regional · Financial Services

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the Santa Clara, San Mateo, and San Francisco counties. It offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. The company also provides personal lending products include secured and unsecured lines of credit, home equity lines of

Winston Score History

Score breakdown

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Quality

Gross Margin

65.5%

Premium pricing power — 65.5% gross margin

Operating Margin

30.7%

Excellent — 30.7% operating margin

ROCE

3.4%

Weak — 3.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-4.4%

Shrinking sales (-4.4% YoY)

EPS YoY

+6.6%

Modest earnings growth (6.6% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

68%

Modest — 68% of profit becomes cash

FCF Margin

19.9%

Converts sales into free cash efficiently (19.9%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.27

Conservative — low debt load (0.27)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

10.6x

no trend

Attractive valuation — P/E 10.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.0

GROWING

Earnings roughly flat

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Dividends

Not applicable for this business.

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