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Here's What Key Metrics Tell Us About Avidbank Holdings (AVBH) Q3 Earnings

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For the quarter ended September 2025, Avidbank Holdings Inc. (AVBH - Free Report) reported revenue of $24.19 million, up 18.6% over the same period last year. EPS came in at $0.72, compared to $0.77 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $23.8 million, representing a surprise of +1.63%. The company delivered an EPS surprise of -6.49%, with the consensus EPS estimate being $0.77.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Avidbank Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net charge-offs to average loans: -0% versus the two-analyst average estimate of 0.1%.
  • Net interest margin: 3.9% versus 3.9% estimated by two analysts on average.
  • Efficiency ratio: -35.3% versus 54.1% estimated by two analysts on average.
  • Total Non-Interest Income: $1.54 million compared to the $1.3 million average estimate based on two analysts.
  • Net Interest Income: $22.65 million versus the two-analyst average estimate of $22.51 million.

View all Key Company Metrics for Avidbank Holdings here>>>

Shares of Avidbank Holdings have returned +1.7% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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