Avidia Bancorp, Inc.

AVBC

Avidia Bancorp, Inc.

AVBC

Insider Sentiment (TTM):

Last Purchase:2026-06-03Last Sale:-Shares Purchased (TTM):249,643Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:5,184,717Shares Outstanding:18,557,370Institutional Ownership Pct.:27.94%

Earnings Market Reaction:

Filing Date:2026-05-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institutions, Not Federally Chartered

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Avidia Bancorp, Inc. (AVBC) — SEC Financial Statements & Analysis

Avidia Bancorp, Inc. (AVBC) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31
Cash And Due From Banks	19	16	15	25	83
Short Term Investments	74	130	96	284	-
Cash Cash Equivalents And Short Term Investments	93	145	112	309	-
Available For Sale Securities Debt Securities	296	269	269	266	262
Debt Securities Held To Maturity Amortized Cost Af…	13	13	16	17	17
Debt Securities	-	-	285	283	-
Federal Home Loan Bank Stock	10	12	12	12	15
Loans Receivable Held For Sale Amount	0	0	2	-	1
Assets
Assets	2,807	2,837	2,787	2,958	2,707
Financing Receivable Allowance For Credit Loss Exc…	-23	-22	-24	-23	-22
Financing Receivable Excluding Accrued Interest Af…	2,262	2,276	2,250	2,225	2,211
Property Plant And Equipment Net	29	29	29	29	29
Bank Owned Life Insurance	47	37	36	36	36
Interest Receivable	9	9	8	9	9
Deferred Income Tax Assets Net	11	13	11	11	12
Goodwill	12	12	12	12	12
Other Assets	23	18	26	29	18
Deposits	2,146	2,128	2,076	2,440	2,131
Federal Home Loan Bank Advances Long Term	205	260	260	260	325
Liabilities
Liabilities	2,424	2,458	2,415	2,766	2,521
Subordinated Debt	28	28	28	28	28
Accrued Liabilities And Other Liabilities	45	42	48	36	33
Common Stock Value	0	0	0	-	-
Additional Paid In Capital	195	195	195	-	-
Stockholders Equity
Stockholders Equity	384	379	372	191	186
Unearned E S O P Shares	-15	-15	-15	-	-
Retained Earnings Accumulated Deficit	217	212	207	208	204
Accumulated Other Comprehensive Income Loss Net Of…	-14	-13	-14	-16	-18
Liabilities And Stockholders Equity	2,807	2,837	2,787	2,958	2,707
Available For Sale Debt Securities Amortized Cost …	313	285	287	287	284
Held To Maturity Securities Fair Value	13	13	15	16	16
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	-	-
Common Stock Shares Authorized	120	120	120	-	-
Common Stock Shares Issued	20	20	20	-	-
Shares Outstanding	20	20	20	-	-

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.10%	9.57%	-	-	-	-	-	-	-	-	-	-
2025	-	-	-	3.00%	2.05%	1.50%	8.90%	8.12%	20.35%	11.17%	-0.53%	8.14%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31
Leverage & Debt
Interest Coverage TTM	-0.79	-1.07	-	-	-
Per Share Metrics
Diluted EPS TTM	0.77	-0.18	-	-	-
Free Cash Flow Per Share TTM	1.92	1.30	-	-	-
Dividend Per Share TTM	0.05	0.00	-	-	-
Margin Metrics
Gross Profit Margin TTM	68.59%	66.27%	-	-	-
Operating Profit Margin TTM	14.28%	-4.35%	-	-	-
Net Profit Margin TTM	10.74%	-2.52%	-	-	-
Valuation Metrics
P/E TTM	25.47	-94.21	-	-	-
P/B	0.95	0.82	0.74	-	-
P/S TTM	2.73	2.37	-	-	-
Market Cap	364.06M	309.86M	275.24M	-	-
Enterprise Value	344.83M	293.96M	259.76M	-	-
Calculated Values
Free Cash Flow TTM	35.69M	24.09M	-	-	-
Net Debt	-19.23M	-15.90M	-15.48M	-24.67M	-83.08M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-03Purchase

Owner: Nelson, Jonathan Michael

Title: CFO and Treasurer

Shares: 1,065

Price/Share: $18.90

Value: $20,128.50

Shares Owned: 14,545

Relationship: Officer

Ownership: Direct

2026-05-29Purchase

Owner: Cozzone, Robert D

Title: President & CEO

Shares: 2,128

Price/Share: $18.80

Value: $40,006.40

Shares Owned: 67,357

Relationship: Director,Officer

Ownership: Indirect

2026-05-18Purchase

Owner: Jensen, Barry H

Title: EVP and Chief Admin Officer

Shares: 500

Price/Share: $18.88

Value: $9,440.00

Shares Owned: 42,000

Relationship: Officer

Ownership: Direct

2026-05-14Purchase

Owner: Gilles, Michael O

Title: -

Shares: 1,000

Price/Share: $19.50

Value: $19,500.00

Shares Owned: 25,096

Relationship: Director

Ownership: Direct

2026-05-14Purchase

Owner: Jensen, Barry H

Title: EVP and Chief Admin Officer

Shares: 500

Price/Share: $19.26

Value: $9,630.00

Shares Owned: 41,500

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-03	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Direct	Purchase	1,065	18.90	$20,128.50	14,545	4
2026-05-29	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	2,128	18.80	$40,006.40	67,357	4
2026-05-18	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	500	18.88	$9,440.00	42,000	4
2026-05-14	Gilles, Michael O	Director	-	Direct	Purchase	1,000	19.50	$19,500.00	25,096	4
2026-05-14	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	500	19.26	$9,630.00	41,500	4
2026-05-13	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	2,023	19.77	$39,994.71	65,229	4
2026-05-08	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	1,000	20.19	$20,190.00	41,000	4
2026-04-29	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	1,000	20.30	$20,300.00	40,000	4
2026-04-28	Murphy, Michael Dennis	Director,Other	-	Indirect	Purchase	1,850	20.94	$38,739.00	1,850	4
2026-04-28	Doane, Thomas	Officer	EVP- Human Resources	Indirect	Purchase	2,040	21.16	$43,166.40	17,495	4
2026-04-28	Karmelek, Nicolas	Officer	EVP and CRO	Direct	Purchase	1,209	20.76	$25,098.84	7,694	4/A
2026-04-27	Ball, James N	Director	-	Indirect	Purchase	5,000	20.60	$103,000.00	50,000	4
2026-03-18	Murphy, Bartholomew H Jr	Officer	EVP & Chief Operating Off	Direct	Purchase	1,500	19.15	$28,725.00	23,000	4
2026-03-12	Murphy, Bartholomew H Jr	Officer	EVP & Chief Operating Off	Indirect	Purchase	440	18.62	$8,192.80	10,440	4
2026-03-12	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	1,000	18.69	$18,690.00	39,000	4
2026-03-12	Girard, Michael R	Director	-	Indirect	Purchase	450	18.80	$8,460.00	975	4
2026-03-09	Murphy, Bartholomew H Jr	Officer	EVP & Chief Operating Off	Direct	Purchase	1,500	19.09	$28,635.00	21,500	4
2026-03-09	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Indirect	Purchase	2,579	19.39	$50,006.81	22,378	4
2026-03-02	Karmelek, Nicolas	Officer	EVP and CRO	Direct	Purchase	1,090	18.59	$20,263.10	6,485	4
2026-03-02	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	1,064	18.79	$19,992.56	63,206	4
2026-02-23	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,000	18.71	$37,420.00	38,000	4
2026-02-11	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	2,582	19.36	$49,987.52	62,142	4
2026-02-11	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	1,000	18.95	$18,950.00	36,000	4
2025-12-17	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	17.07	$42,675.00	35,000	4
2025-12-01	Ball, James N	Director	-	Indirect	Purchase	5,000	16.13	$80,650.00	45,000	4
2025-12-01	Murphy, Michael Dennis	Director,Other	-	Indirect	Purchase	6,230	16.00	$99,680.00	7,230	4
2025-11-24	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Indirect	Purchase	3,245	15.41	$50,005.45	19,799	4
2025-11-21	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,261	15.33	$49,991.13	59,560	4
2025-11-18	Girard, Michael R	Director	-	Indirect	Purchase	525	14.97	$7,859.25	525	4
2025-11-18	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	14.92	$37,300.00	32,500	4
2025-11-13	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	5,000	15.24	$76,200.00	30,000	4
2025-11-10	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,240	15.43	$49,993.20	56,299	4
2025-11-07	Murphy, Michael Dennis	Director,Other	-	Direct	Purchase	2,500	15.11	$37,775.00	49,000	4
2025-11-05	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,277	15.26	$50,007.02	53,059	4
2025-11-03	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,310	15.10	$49,981.00	49,782	4
2025-10-31	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	14.88	$37,200.00	25,000	4
2025-10-30	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,325	15.03	$49,974.75	46,472	4
2025-10-30	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	15.00	$37,500.00	22,500	4
2025-09-18	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	15.85	$39,625.00	20,000	4
2025-09-18	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,130	15.97	$49,986.10	43,147	4
2025-09-11	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,224	15.51	$50,004.24	40,017	4
2025-09-09	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,226	15.50	$50,003.00	36,793	4
2025-09-04	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,279	15.25	$50,004.75	33,567	4
2025-09-03	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Direct	Purchase	3,240	15.45	$50,058.00	13,480	4
2025-08-29	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,199	15.63	$50,000.37	30,288	4
2025-08-28	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Direct	Purchase	3,240	15.47	$50,122.80	10,240	4
2025-08-26	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	6,631	15.08	$99,995.48	27,088	4
2025-08-26	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Indirect	Purchase	6,631	15.08	$99,995.48	16,554	4
2025-08-22	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,500	14.95	$37,375.00	17,500	4
2025-08-20	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	6,671	14.99	$99,998.29	20,457	4
2025-08-15	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	6,840	14.62	$100,000.80	13,786	4
2025-08-13	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,436	14.55	$49,993.80	6,946	4
2025-08-13	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	3,000	14.48	$43,440.00	15,000	4
2025-08-11	Cozzone, Robert D	Director,Officer	President & CEO	Indirect	Purchase	3,410	14.66	$49,990.60	3,510	4
2025-08-11	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,000	14.53	$29,060.00	12,000	4
2025-08-08	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	2,000	14.49	$28,980.00	10,000	4
2025-08-08	Nelson, Jonathan Michael	Officer	CFO and Treasurer	Indirect	Purchase	9,923	14.45	$143,387.35	9,923	4
2025-08-08	Flanigan, Michael Neil	Director	-	Indirect	Purchase	22,536	14.44	$325,419.84	24,500	4
2025-08-07	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	5,000	14.30	$71,500.00	8,000	4
2025-08-07	Cozzone, Robert D	Director,Officer	President & CEO	Direct	Purchase	1,000	14.30	$14,300.00	1,000	4
2025-08-06	Karmelek, Nicolas	Officer	EVP and CRO	Indirect	Purchase	20,779	14.44	$300,048.76	21,137	4
2025-08-06	Doane, Thomas	Officer	EVP- Human Resources	Indirect	Purchase	14,665	14.44	$211,762.60	14,930	4
2025-08-06	Conery, Robert W	Officer	EVP & Chief Operations Off	Indirect	Purchase	10,000	14.35	$143,500.00	10,117	4
2025-08-06	Jensen, Barry H	Officer	EVP and Chief Admin Officer	Direct	Purchase	3,000	14.39	$43,170.00	3,000	4
2025-08-05	Nelson, Jonathan Michael	Officer	EVP and CFO	Direct	Purchase	7,000	14.40	$100,800.00	7,000	4
2025-08-05	Saul, Kennedy O	Director	-	Direct	Purchase	4,150	14.48	$60,092.00	4,150	4
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Institutional Ownership

No data available for chart

2026-03-31

27.94%

Inst. Shares: 5,184,717

Shares Outstanding: 18,557,370

2025-12-31

23.96%

Inst. Shares: 4,439,440

Shares Outstanding: 18,530,509

2025-09-30

21.97%

Inst. Shares: 4,068,936

Shares Outstanding: 18,520,449

2025-06-30

0.22%

Inst. Shares: 40,000

Shares Outstanding: 18,520,449

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	5,184,717	18,557,370	27.94%
2025-12-31	4,439,440	18,530,509	23.96%
2025-09-30	4,068,936	18,520,449	21.97%
2025-06-30	40,000	18,520,449	0.22%
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Avidia Bancorp, Inc. (AVBC) — SEC Financial Statements & Analysis

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