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Avidia BancorpAVBC -2.22%10 Debt-to-Equity is 0.61 as of Mar. 2026, which is 59% below its 10-year median of 1.50. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,423 Banks companies, Avidia Bancorp ranks worse than 52.71% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Avidia Bancorp's Debt-to-Equity or its related term are showing as below:
AVBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.61 Med: 1.5 Max: 2.37
Current: 0.61
During the past 3 years, the highest Debt-to-Equity Ratio of Avidia Bancorp was 2.37. The lowest was 0.61. And the median was 1.50.
AVBC's Debt-to-Equity is ranked worse than 52.71% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs AVBC: 0.61
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Avidia Bancorp Debt-to-Equity Related Terms
Avidia Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's Debt-to-Equity 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.
AVBC vs RVRF, MVBF, USCB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Avidia Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's Debt-to-Equity falls into.
* 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 (AVBC) has a Debt-to-Equity of 0.61 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Avidia Bancorp and its competitors. This is 59% below median its historical median of 1.50. Over the past decade, Avidia Bancorp's Debt-to-Equity has ranged from 0.61 to 2.37. According to the industry distribution chart, Avidia Bancorp ranks #750 out of 1423 companies in the Banks industry, placing it in the top 52.7%.
Is Avidia Bancorp's Debt-to-Equity too high?
Avidia Bancorp's current Debt-to-Equity of 0.61 is 59% below median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 2.37. The Banks industry median Debt-to-Equity is 0.56. Avidia Bancorp's value of 0.61 is 8.9% above this industry median. Based on the distribution chart, Avidia Bancorp ranks #750 out of 1423 companies in the Banks industry, which is below the industry midpoint. 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-Equity compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #750 out of 1423 companies for Debt-to-Equity. This places Avidia Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Avidia Bancorp's value of 0.61 is 8.9% above this benchmark. Historically, Avidia Bancorp's own Debt-to-Equity has ranged from 0.61 to 2.37 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 0.56, Avidia Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current Debt-to-Equity of 0.61 is 8.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Debt-to-Equity is 0.61, which is 59% below median its own 10-year median of 1.50. 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-Equity of 0.61. The current Debt-to-Equity is 0.61, which is 59% below median its 10-year median of 1.50 and 8.9% above the Banks industry median of 0.56. Avidia Bancorp's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Debt-to-Equity is 0.61 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 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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