Avidia BancorpAVBC -1.95%10 FCF Margin % is 27.68% as of Mar. 2026, which is 16% above its 10-year median of 23.76. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,506 Banks companies, Avidia Bancorp ranks better than 61.69% on this metric.
The historical rank and industry rank for Avidia Bancorp's FCF Margin % or its related term are showing as below:
AVBC'
s FCF Margin % Range Over the Past 10 Years
Min: 14.71 Med: 23.76 Max: 33.45
Current: 33.45
During the past 3 years, the highest FCF Margin % of Avidia Bancorp was 33.45%. The lowest was 14.71%. And the median was 23.76%.
AVBC's FCF Margin % is ranked better than 61.69% of 1506
companies
in the Banks industry
Industry Median: 26.435
vs AVBC: 33.45
Avidia Bancorp FCF Margin % Related Terms
Avidia Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's FCF Margin % 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 FCF Margin % of 27.68% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Avidia Bancorp and its competitors. This is 16% above median its historical median of 23.76. Over the past decade, Avidia Bancorp's FCF Margin % has ranged from 14.71 to 33.45. According to the industry distribution chart, Avidia Bancorp ranks #577 out of 1506 companies in the Banks industry, placing it in the top 38.3%.
Is Avidia Bancorp's FCF Margin % too high?
Avidia Bancorp's current FCF Margin % of 27.68% is 16% above median its 10-year median of 23.76. Over the past 10 years, this metric has ranged from a low of 14.71 to a high of 33.45. The Banks industry median FCF Margin % is 26.44. Avidia Bancorp's value of 27.68% is 4.7% above this industry median. Based on the distribution chart, Avidia Bancorp ranks #577 out of 1506 companies in the Banks industry, which is above 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 FCF Margin % compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #577 out of 1506 companies for FCF Margin %. This puts Avidia Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.44. Avidia Bancorp's value of 27.68% is 4.7% above this benchmark. Historically, Avidia Bancorp's own FCF Margin % has ranged from 14.71 to 33.45 over the past decade. While the company's 10-year median is 23.76 vs. the industry median of 26.44, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.44, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current FCF Margin % of 27.68% is 4.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current FCF Margin % is 27.68%, which is 16% above median its own 10-year median of 23.76. 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 FCF Margin % of 27.68%. The current FCF Margin % is 27.68%, which is 16% above median its 10-year median of 23.76 and 4.7% above the Banks industry median of 26.44. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current FCF Margin % is 27.68% 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.
10GF Score
Get the complete analysis for AVBC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AVBC has been successfully added to your 
