Avidbank swings to Q4 net income

Avidbank Holdings

29/01/2026 21:26

Overview

California bank's Q4 net income recovered from previous quarter's loss

Net interest margin expanded to 4.13% in Q4 2025

Company's Q4 non-performing assets increased due to loan downgrades

Outlook

Company expresses confidence in asset quality and loan portfolio strength

Company sees significant momentum and clear trajectory for 2026

Result Drivers

NET INTEREST INCOME - Q4 net interest income rose due to higher average loan balances and lower funding costs

SECURITIES PORTFOLIO - Repositioning of securities portfolio improved Q4 interest income

LOAN YIELDS - Q4 loan yields decreased due to reductions in prime rate and lower loan fees

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.65
Q4 Net Income
$6.95 mln
Q4 CET1 Capital Ratio
11.05%
Q4 Net Interest Margin (%)
4.13%


Analyst Coverage

The current average analyst rating on the shares is "strong buy" and the breakdown of recommendations is 4 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

Wall Street's median 12-month price target for Avidbank Holdings Inc is $31.75, about 16% above its January 28 closing price of $27.36

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nACSGrtDVa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)