Avidia Bancorp, Inc. cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Avidia Bancorp, Inc.'s free cash flow has decreased -100.00% from $20.45M last year to $0.00, signaling decreasing performance

Avidia Bancorp, Inc.'s debt to equity ratio is 0.61, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Avidia Bancorp, Inc.'s debt has decreased relative to shareholder equity from 1.82 last year to 0.61 today, signaling strengthened financials

Avidia Bancorp, Inc. has negative EBITDA, making leverage ratio unreliable

Avidia Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Avidia Bancorp, Inc.'s profit margin has increased (16.12%) in the last year from 8.16% to 9.47%, signaling increasing performance

Avidia Bancorp, Inc.'s short-term liabilities of $1.38G exceed its short-term assets of $24.44M, signaling financial risk

Avidia Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Avidia Bancorp, Inc.'s return on equity of 4.31%, is lower than 15.00%, indicating bad performance

Avidia Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Avidia Bancorp, Inc. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings

Avidia Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Avidia Bancorp, Inc. has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Avidia Bancorp, Inc.'s yearly earnings has decreased -128.64% since last year from $11.48M to $-3.29M, signaling decreasing performance

Avidia Bancorp, Inc.'s yearly revenue has increased 8.12% since last year from $136.52M to $147.61M, signaling increasing performance

ROIC 0.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Avidia Bancorp, Inc.'s 3-year revenue CAGR of 18.44% is positive, indicating growing revenue over the past 3 years

Avidia Bancorp, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

Avidia Bancorp, Inc. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity

Avidia Bancorp, Inc. has insufficient data to evaluate this check.

Avidia Bancorp, Inc. has an earnings yield of 3.81%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Avidia Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Avidia Bancorp, Inc. has an EV/EBITDA ratio of 29.16x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Avidia Bancorp, Inc. is undervalued relative to its fair value price of 21.83 based on Earnings Fair Value model

Avidia Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Avidia Bancorp, Inc. has a price-to-book ratio of 0.98x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Avidia Bancorp, Inc. has a price-to-sales ratio of 2.69x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue