Avidia Bancorp

Avidia Bancorp ROA

The Return on Assets (ROA) of Avidia Bancorp (AVBC) as of Nov 6, 2026 is -0.12 %. In the previous year, Return on Assets (ROA) was 0.43 % — a change of -126.82% (lower).

ROA

-0.12 %

YoY

-126.82%

Last updated:

In 2025, Avidia Bancorp's return on assets (ROA) was -0.12 %, a -126.82% increase from the 0.43 % ROA in the previous year.

The Avidia Bancorp ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2020
0.58 USD
Jan 1, 2021
0.75 USD
Jan 1, 2022
0.36 USD
Jan 1, 2023
0.48 USD
Jan 1, 2024
0.43 USD
Jan 1, 2025
-0.12 USD
The Avidia Bancorp ROA history
YEARROAYoY
-0.12 %-126.82%
0.43 %-9.71%
0.48 %+32.79%
0.36 %-51.86%
0.75 %+29.26%
0.58 %—

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Avidia Bancorp Stock analysis

What does Avidia Bancorp do? Avidia Bancorp Inc generates revenue through its banking operations as the holding company of Avidia Bank, a Massachusetts-chartered stock savings bank. The company primarily earns income by taking public deposits and investing them in commercial and industrial loans, including condominium association loans, dental practice loans, and solar plant loans, as well as one-to four-family residential mortgage loans and commercial real estate loans. It also invests in securities such as United States Treasury securities, United States Government agency securities, and municipal securities. Avidia Bank offers various deposit products including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts, alongside nationwide Health Savings Accounts (HSAs). The primary customers for Avidia Bancorp's services are individuals and businesses seeking deposit accounts, loan products, and investment opportunities. Commercial and industrial loan clients include entities requiring financing for condominium associations, dental practices, and solar projects. Residential mortgage borrowers and commercial real estate investors also represent key segments. The firm's nationwide Health Savings Account (HSA) offerings attract individuals focused on healthcare savings, while its securities investments cater to institutional and retail investors seeking government-backed and municipal securities. Avidia Bancorp's revenue streams are derived from interest income on loans and securities, fees from deposit accounts, and management fees related to its Health Savings Account (HSA) services. The company targets retail customers for deposit products and individual borrowers for residential mortgages, while commercial clients drive revenue from business loans and real estate investments. Its focus on Massachusetts-chartered operations with nationwide HSA distribution ensures a diversified client base across personal banking, business financing, and investment services. Avidia Bancorp is one of the most popular companies on Eulerpool.

ROA Details

Understanding Avidia Bancorp's Return on Assets (ROA)

Avidia Bancorp's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Avidia Bancorp's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Avidia Bancorp's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Avidia Bancorp’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Avidia Bancorp stock

Return on Assets (ROA) of Avidia Bancorp is -0.12 % in 2025.

Return on Assets (ROA) of Avidia Bancorp changed from 0.43 % to -0.12 %, representing a -126.82% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Avidia Bancorp since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Avidia Bancorp with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Avidia Bancorp

All Key Metrics — Avidia Bancorp