Avidbank swings to Q4 net income
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
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.
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