Avidia Bancorp

Avidia Bancorp ROE

The Return on Equity (ROE) of Avidia Bancorp (AVBC) as of Nov 5, 2026 is -0.87 %. In the previous year, Return on Equity (ROE) was 5.92 % — a change of -114.65% (lower).

ROE

-0.87 %

YoY

-114.65%

Last updated:

In 2025, Avidia Bancorp's return on equity (ROE) was -0.87 %, a -114.65% increase from the 5.92 % ROE in the previous year.

The Avidia Bancorp ROE history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROE
Date
ROE
Jan 1, 2020
6.79 USD
Jan 1, 2021
9.47 USD
Jan 1, 2022
5.56 USD
Jan 1, 2023
6.88 USD
Jan 1, 2024
5.92 USD
Jan 1, 2025
-0.87 USD
The Avidia Bancorp ROE history
YEARROEYoY
-0.87 %-114.65%
5.92 %-13.89%
6.88 %+23.81%
5.56 %-41.34%
9.47 %+39.61%
6.79 %—

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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.

ROE Details

Decoding Avidia Bancorp's Return on Equity (ROE)

Avidia Bancorp's Return on Equity (ROE) is a fundamental metric evaluating the company's profitability relative to its equity. Calculated by dividing net income by shareholder's equity, ROE illustrates how effectively the company is generating profits from shareholders’ investments. A higher ROE represents enhanced efficiency and profitability.

Year-to-Year Comparison

Analyzing Avidia Bancorp's ROE on a yearly basis aids in tracking its profitability trends and financial performance. An increasing ROE suggests enhanced profitability and value generation for shareholders, whereas a declining ROE may indicate issues in profit generation or equity management.

Impact on Investments

Avidia Bancorp's ROE is instrumental for investors assessing the company's profitability, efficiency, and investment attractiveness. A robust ROE indicates the firm’s adeptness at converting equity investments into profits, thereby enhancing its appeal to potential and current investors.

Interpreting ROE Fluctuations

Changes in Avidia Bancorp’s ROE can emanate from variations in net income, equity capital, or both. These fluctuations are scrutinized to evaluate management’s effectiveness, financial strategies, and the inherent risks and opportunities, aiding investors in making informed decisions.

Frequently Asked Questions about Avidia Bancorp stock

Return on Equity (ROE) of Avidia Bancorp is -0.87 % in 2025.

Return on Equity (ROE) of Avidia Bancorp changed from 5.92 % to -0.87 %, representing a -114.65% change. The value is lower than the previous year.

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

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

To evaluate Return on Equity (ROE)'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 Equity (ROE).

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Profitability — Avidia Bancorp

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — Avidia Bancorp