The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/2Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.-1.1%
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$24.1M
Free cash flow
$24.1M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+, profitable every year, share count not growing. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 23After close4:36 pm ET
From the press release
October 22, 2026 Avidia Bancorp, Inc. (the Company ) (NYSE: AVBC ), the holding company of Avidia Bank, today reported third quarter 2026 net income of $8.6 million, or $0.47 per share, compared to second quarter 2026 net income of $7.2 million, or $0.39 per share.
The Company also announced today the declaration of a quarterly cash dividend of $0.06 per share on its outstanding shares of common stock, payable on or about November 30, 2026, to stockholders of record as of the close of business on November 17, 2026.
Total net revenue increased to $31.2 million in the third quarter of 2026, an increase of $1.3 million, or 4%, compared to the prior quarter.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.39
Free cash flow
$9.2M
Insider rating
Last 90 days
35Selling
1 insider sold $112K (not pre-planned)
An insider sold their entire stake
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend
13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
26/ 100
This week
1
Normal week
2.5
vs normal
0.4x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+11.2%
Institutions added 11.2% to their holdings. 56 bought, 24 sold. 4 quarters of net buying in a row.
Shares held by institutions7.2M
Sep '24Jun '26
Safety check
From SEC filings
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $2.4B
Shares outstandingLatest reported
20M
Why moderate risk
Losing money, losses are large next to sales
Auditor change
Earnings reports
Last 6
Next reportAround Feb 1, 2027 (est.)Estimated from the same quarter last year
Results filedOct 23
Results filedJul 27
Results filedApr 27
Results filedFeb 2
Results filedOct 27, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days