Avidbank Holdings, Inc. (AVBH) Fair Value 2026

AVBH · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.9 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (10/100)

Quick Summary — As of 2026-08-28, Avidbank Holdings, Inc. (AVBH) trades at $31.66, versus a $36.89 median fair value across its 3 active models — 16.5% above the current price. QOC: 6.9/10. Value Trap Risk: 10/100 (SAFE). 3/13 models active.

Key Facts

Ticker
AVBH
Price
$31.66
Quality Score
6.9/10
Value Trap Risk
10/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +87.3% upside with 40% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Avidbank Holdings, Inc. (AVBH) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Avidbank Holdings, Inc. (AVBH) appears undervalued as of : the median of 3 independent fair value estimates is $36.89, 16.5% above the current price of $31.66. Estimates range from $0.79 to $59.29. AVBH scores 6.9/10 on fundamental quality and 10/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. AVBH’s +16.5% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Avidbank Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give AVBH?

3 Intrinsic Value Models vs. Current Price ($31.66)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $0.79 -97.5%
Relative · Medium Conviction
 $59.29 +87.3%
Relative · Low Conviction
 $36.89 +16.5%

All Models Active

All 3 models are displayed above.

What Is AVBH's Fair Value Range?

Spread across 3 independent models · $0.79 to $59.29

CirclFi's 3 active models place Avidbank Holdings, Inc. (AVBH) between $0.79 and $59.29 per share, a spread of 159% of the median. The median of that range — $36.89 — is the fair value CirclFi publishes for AVBH, against a current price of $31.66.

Low · EPVHigh · Regime Cross
$0.79median $36.89$59.29
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$0.79
Most bullish modelRegime Cross-Sectional$59.29
Model agreement2 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for AVBH. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on AVBH, not a CirclFi price target. How each model works →

What Is Avidbank Holdings, Inc. (AVBH) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Avidbank Holdings, Inc.'s intrinsic value is estimated at a median fair value of $36.89. While the stock appears modestly undervalued at $31.66 (implied upside of +16.5%), our analysis suggests a thinner margin of safety across 2 of 3 bullish models. Notably, Regime Cross sees the most upside at +87.3% (fair value: $59.29), while EPV is the most conservative at -97.5% ($0.79). The spread between these extremes — +184.8% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About AVBH?

3 of 13 models are currently active for AVBH. Of these, 2 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for AVBH is $36.89 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AVBH Rank in Banks - Regional?

Among 352 Banks - Regional stocks, AVBH ranks #306 by Quality of Company score. CirclFi's QOC score of 6.9/10 evaluates 32 fundamental signals. A score of 6.9 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a financial institution, Avidbank Holdings, Inc. operates in a sector where return on tangible equity is a critical driver of valuation. Investors evaluating AVBH should weigh these sector-specific dynamics alongside our model-derived fair values.

Is AVBH a Value Trap?

CirclFi's Value Trap algorithm assigns AVBH a score of 10/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Avidbank Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Avidbank Holdings, Inc.'s fundamental quality profile registers 6.9/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +184.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AVBH 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 AVBH's 3 active models, average confidence is 32%. 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Avidbank Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BCBPBCB Bancorp, Inc.QOC 7.0WSBFWaterstone Financial, Inc.QOC 6.9WFWoori Financial Group Inc.QOC 7.0MSBIMidland States Bancorp, Inc.QOC 6.9RVSBRiverview Bancorp, Inc.QOC 7.0HBNCHorizon Bancorp, Inc.QOC 6.9USCBUSCB Financial Holdings, Inc.QOC 8.6PKBKParke Bancorp, Inc.QOC 8.2LARKLandmark Bancorp, Inc.QOC 7.8STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: BCBP · WSBF · WF · MSBI · RVSB · HBNC · USCB · PKBK · LARK · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to AVBH?

6 companies across all industries closest to AVBH’s Quality of Company score of 6.9/10.

RGRSturm, Ruger & Company, Inc.QOC 6.9CRSRCorsair Gaming, Inc.QOC 6.9VHIValhi, Inc.QOC 6.9STWDStarwood Property Trust, Inc.QOC 6.9SACHSachem Capital Corp.QOC 6.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RGR · CRSR · VHI · STWD · SACH · NVDA

Where Does AVBH Sit in CirclFi's Banks - Regional Rankings?

AVBH is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Avidbank Holdings, Inc.’s Valuation?

What is Avidbank Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Avidbank Holdings, Inc. (AVBH)'s intrinsic value at $36.89 — the median of 3 independent model estimates as of 2026-08-28, ranging from $0.79 to $59.29. The Quality of Company score is 6.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AVBH overvalued or undervalued right now?

At $31.66, 2 of 3 active models suggest AVBH may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $36.89, 16.5% above the current price of $31.66 — a consensus view that AVBH is undervalued. The assessment depends on which methodology best fits Avidbank Holdings, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.9 mean for AVBH?

Avidbank Holdings, Inc.'s QOC of 6.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on AVBH?

CirclFi analyzes AVBH with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AVBH?

Of the 3 models currently active on AVBH, Regime Cross-Sectional is the most bullish at $59.29 per share, and Earnings Power Value (EPV) is the most bearish at $0.79. CirclFi's published fair value for AVBH is the median of that range, $36.89, not either extreme. The gap between the two ends equals 159% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is AVBH a value trap in 2026?

Avidbank Holdings, Inc.'s Value Trap score is 10/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Avidbank Holdings, Inc. (AVBH) has a median fair value of $36.89 — 16.5% above the current price of $31.66 — as of 2026-08-28.” Source: circlfi.com/stock/AVBH/ · Methodology
Primary sources for this AVBH valuation
  • Financial statements: Avidbank Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001443575) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for AVBH as of ; valuations recomputed .