Is AVBH or AX more undervalued in 2026?

CirclFi compares Avidbank Holdings, Inc. (AVBH) and Axos Financial, Inc. (AX) using 13 institutional-grade valuation models. AVBH has a Quality of Company score of 5.6/10 while AX scores 9.0/10.

Which is a better buy — AVBH or AX?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AVBH and AX valuations compare?

AVBH at $30.77 and AX at $87.27 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AVBH vs AX Valuation Comparison 2026 — Intrinsic Value Analysis

AVBH

Banks - Regional

Avidbank Holdings, Inc.

Quality

5.6

out of 10

Value Trap

—

Price

$30.77

Last close

Models

10/13

Active

AX

Banks - Regional

Axos Financial, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$87.27

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AVBH Fair Value	AVBH Upside	AX Fair Value	AX Upside
Bayesian DCF	Intrinsic	$26.07	-15.3%	$45.33	-48.1%
Earnings Power Value	Intrinsic	$28.25	-8.2%	$77.30	-11.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for AVBH vs AX — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

AVBH vs AX — Which Stock Is More Undervalued?

AX scores higher with a 9.0/10 quality rating vs AVBH's 5.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Avidbank Holdings, Inc. (AVBH) and Axos Financial, Inc. (AX) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AVBH currently trades at $30.77 with a QOC of 5.6/10, while AX trades at $87.27 with a QOC of 9.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).