Avidia BancorpAVBC -1.95%10 EV-to-FCF is 14.88 as of Jul. 05, 2026, which is 2% above its 10-year median of 14.66. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,193 Banks companies, Avidia Bancorp ranks worse than 76.45% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Avidia Bancorp's Enterprise Value is $531.1 Mil.
Avidia Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $35.7 Mil. Therefore, Avidia Bancorp's EV-to-FCF for today is 14.88.
The historical rank and industry rank for Avidia Bancorp's EV-to-FCF or its related term are showing as below:
AVBC'
s EV-to-FCF Range Over the Past 10 Years
Min: 12.64 Med: 14.66 Max: 21.61
Current: 14.88
During the past 3 years, the highest EV-to-FCF of Avidia Bancorp was 21.61. The lowest was 12.64. And the median was 14.66.
AVBC's EV-to-FCF is ranked worse than 76.45% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs AVBC: 14.88
EV-to-FCF 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-FCF 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 $21.07.
Avidia Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.753.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Avidia Bancorp EV-to-FCF Related Terms
Avidia Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's EV-to-FCF falls into.
Avidia Bancorp's current Enterprise Value is $531.1 Mil.
Avidia Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $35.7 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-FCF of 14.88 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Avidia Bancorp and its competitors. This is near median its historical median of 14.66. Over the past decade, Avidia Bancorp's EV-to-FCF has ranged from 12.64 to 21.61. According to the industry distribution chart, Avidia Bancorp ranks #912 out of 1193 companies in the Banks industry, placing it in the top 76.4%.
Is Avidia Bancorp's EV-to-FCF too high?
Avidia Bancorp's current EV-to-FCF of 14.88 is near median its 10-year median of 14.66. Over the past 10 years, this metric has ranged from a low of 12.64 to a high of 21.61. The Banks industry median EV-to-FCF is 6.61. Avidia Bancorp's value of 14.88 is 125.1% above this industry median. Based on the distribution chart, Avidia Bancorp ranks #912 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. 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-FCF compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #912 out of 1193 companies for EV-to-FCF. This places Avidia Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.61. Avidia Bancorp's value of 14.88 is 125.1% above this benchmark. Historically, Avidia Bancorp's own EV-to-FCF has ranged from 12.64 to 21.61 over the past decade. While the company's 10-year median is 14.66 vs. the industry median of 6.61, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current EV-to-FCF of 14.88 is 125.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current EV-to-FCF is 14.88, which is near median its own 10-year median of 14.66. 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-FCF of 14.88. The current EV-to-FCF is 14.88, which is near median its 10-year median of 14.66 and 125.1% above the Banks industry median of 6.61. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current EV-to-FCF is 14.88 as of Jul. 05, 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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