What Is Avidia Bancorp, Inc. (AVBC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Avidia Bancorp, Inc.'s intrinsic value is estimated at a composite fair value of $19.45. Trading at $20.38, the stock is approaching fair value or slight overvaluation (implied return of -4.6%), as 8 of 12 models suggest limited further upside. Model dispersion is worth noting: ML-RIV targets $55.62 (+172.9%), versus Markov DDM at $1.49 (-92.7%). This +265.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About AVBC?
12 of 13 models are currently active for AVBC. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates AVBC's intrinsic value at $40.77, implying +100.0% upside from the current price. See which stocks rank higher →
How Does AVBC Rank in Savings Institutions, Not Federally Chartered?
Among 22 Savings Institutions, Not Federally Chartered stocks, AVBC ranks #13 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.
Avidia Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is AVBC a Value Trap?
The Value Trap algorithm is not active for AVBC. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Avidia Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Avidia Bancorp, Inc. scores 7.2 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +265.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every AVBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across AVBC's 12 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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