AVBC (Avidia Bancorp) Debt-to-Asset : 0.16 (As of Mar. 2026)

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AVBC Avidia Bancorp Inc AVBC
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Price $22.05
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What is Avidia Bancorp Debt-to-Asset?

Avidia Bancorp AVBC -0.41% 10 Debt-to-Asset is 0.16 as of Mar. 2026. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 2 warning signs investors should review.

Avidia Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $205.0 Mil. Avidia Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $232.9 Mil. Avidia Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was $2,807.1 Mil. Avidia Bancorp's debt to asset for the quarter that ended in Mar. 2026 was 0.16.

Avidia Bancorp  (NYSE:AVBC) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Avidia Bancorp Debt-to-Asset Related Terms

Avidia Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Avidia Bancorp's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Avidia Bancorp Debt-to-Asset Chart

Avidia Bancorp Annual Data
Trend Dec23 Dec24 Dec25
Debt-to-Asset
0.17 0.13 0.10

Avidia Bancorp Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.10 0.10 0.10 0.16 0.07

AVBC vs PCB, USCB, FNLC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Avidia Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Avidia Bancorp Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Avidia Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Avidia Bancorp's Debt-to-Asset falls into.


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Avidia Bancorp Inc AVBC
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Avidia Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Avidia Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(240 + 47.815) / 2837.09
=0.10

Avidia Bancorp's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(205 + 232.852) / 2807.058
=0.16

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.16 mean?
Avidia Bancorp (AVBC) has a Debt-to-Asset of 0.16 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Avidia Bancorp and its competitors.
Is Avidia Bancorp's Debt-to-Asset too high?
Avidia Bancorp's current Debt-to-Asset is 0.16. Overall, Avidia Bancorp has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Avidia Bancorp's Debt-to-Asset compare to PCB and USCB?
Avidia Bancorp's Debt-to-Asset of 0.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Avidia Bancorp and its competitors. Avidia Bancorp's current Debt-to-Asset is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidia Bancorp stock overvalued right now?
Avidia Bancorp (AVBC) has a current Debt-to-Asset of 0.16. The current Debt-to-Asset is 0.16. Avidia Bancorp's overall GF Score™ is 10/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Debt-to-Asset is 0.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Avidia Bancorp Business Description

Address 42 Main Street, Hudson, MA, USA, 01749
Avidia Bancorp Inc business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans.
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