Avidbank Holdings (AVBH) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Financial Performance - Avidbank Holdings Inc. reported revenue of $26.78 million for the quarter ended December 2025, reflecting a year-over-year increase of 27.3% [1] - The earnings per share (EPS) for the quarter was $0.65, down from $0.84 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $25.7 million by 4.2%, while the EPS fell short of the consensus estimate of $0.76 by 14.1% [1] Key Metrics - The net interest margin was reported at 4.1%, matching the average estimate from two analysts [4] - The efficiency ratio was 51.7%, slightly above the average estimate of 51.6% from two analysts [4] - Net charge-offs to average loans stood at 0.3%, higher than the average estimate of 0.2% [4] - Total non-interest income was $1.77 million, surpassing the average estimate of $1.36 million based on two analysts [4] - Net interest income was reported at $25.01 million, exceeding the average estimate of $24.28 million from two analysts [4] Stock Performance - Avidbank Holdings' shares have returned +3% over the past month, outperforming the Zacks S&P 500 composite, which changed by +0.8% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]