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

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For the quarter ended December 2025, Avidbank Holdings Inc. (AVBH - Free Report) reported revenue of $26.78 million, up 27.3% over the same period last year. EPS came in at $0.65, compared to $0.84 in the year-ago quarter.

The reported revenue represents a surprise of +4.2% over the Zacks Consensus Estimate of $25.7 million. With the consensus EPS estimate being $0.76, the EPS surprise was -14.1%.

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 interest margin: 4.1% versus the two-analyst average estimate of 4.1%.
  • Efficiency ratio: 51.7% versus the two-analyst average estimate of 51.6%.
  • Net charge-offs to average loans: 0.3% versus the two-analyst average estimate of 0.2%.
  • Total Non-Interest Income: $1.77 million compared to the $1.36 million average estimate based on two analysts.
  • Net Interest Income: $25.01 million versus $24.28 million estimated by two analysts on average.

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

Shares of Avidbank Holdings have returned +3% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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