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Avidia BancorpAVBC +0.63%10 EV-to-OCF is 10.28 as of Aug. 19, 2026, which is 22% below its 10-year median of 13.20. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Avidia Bancorp ranks worse than 71.68% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Avidia Bancorp's Enterprise Value is $528.2 Mil.
Avidia Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $51.4 Mil. Therefore, Avidia Bancorp's EV-to-OCF for today is 10.28.
The historical rank and industry rank for Avidia Bancorp's EV-to-OCF or its related term are showing as below:
AVBC'
s EV-to-OCF Range Over the Past 10 Years
Min: 9.62 Med: 13.2 Max: 17.72
Current: 10.28
During the past 3 years, the highest EV-to-OCF of Avidia Bancorp was 17.72. The lowest was 9.62. And the median was 13.20.
AVBC's EV-to-OCF is ranked worse than 71.68% of 1497
companies
in the Banks industry
Industry Median: 3.9
vs AVBC: 10.28
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Avidia Bancorp's PE Ratio (TTM) for today is calculated as:
Avidia Bancorp's share price for today is $22.24.
Avidia Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.950.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Avidia Bancorp EV-to-OCF Related Terms
Avidia Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Avidia Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's EV-to-OCF falls into.
Avidia Bancorp's current Enterprise Value is $528.2 Mil.
Avidia Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $51.4 Mil.
* 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 EV-to-OCF of 10.28 as of Aug. 19, 2026. This is 22% below median its historical median of 13.20. Over the past decade, Avidia Bancorp's EV-to-OCF has ranged from 9.62 to 17.72. According to the industry distribution chart, Avidia Bancorp ranks #1073 out of 1497 companies in the Banks industry, placing it in the top 71.7%.
Is Avidia Bancorp's EV-to-OCF too high?
Avidia Bancorp's current EV-to-OCF of 10.28 is 22% below median its 10-year median of 13.20. Over the past 10 years, this metric has ranged from a low of 9.62 to a high of 17.72. The Banks industry median EV-to-OCF is 3.90. Avidia Bancorp's value of 10.28 is 163.6% above this industry median. Based on the distribution chart, Avidia Bancorp ranks #1073 out of 1497 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 EV-to-OCF compare to PCB and USCB?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1073 out of 1497 companies for EV-to-OCF. This places Avidia Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.90. Avidia Bancorp's value of 10.28 is 163.6% above this benchmark. Historically, Avidia Bancorp's own EV-to-OCF has ranged from 9.62 to 17.72 over the past decade. While the company's 10-year median is 13.20 vs. the industry median of 3.90, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current EV-to-OCF of 10.28 is 163.6% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current EV-to-OCF is 10.28, which is 22% below median its own 10-year median of 13.20. 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 EV-to-OCF of 10.28. The current EV-to-OCF is 10.28, which is 22% below median its 10-year median of 13.20 and 163.6% above the Banks industry median of 3.90. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current EV-to-OCF is 10.28 as of Aug. 19, 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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