AVBC (Avidia Bancorp) Moat Score: 3/10 (As of Jul. 05, 2026)


AVBC Avidia Bancorp Inc AVBC
10 GF Score
Price $21.07
! 1 Warning Sign
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What is Avidia Bancorp Moat Score?

Avidia Bancorp AVBC -1.95% 10 Moat Score is 3 as of Jul. 05, 2026. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,612 Banks companies, Avidia Bancorp ranks better than 74.57% on this metric.

Avidia Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Avidia Bancorp has No Moat: Avidia Bancorp operates in a competitive banking sector with limited market share and no significant intellectual property or regulatory advantages. It lacks strong brand recognition and customer loyalty, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Avidia Bancorp might have No Moat - Very weak/transient advantages.

Avidia Bancorp  (NYSE:AVBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Avidia Bancorp Moat Score Related Terms

AVBC vs RVRF, MVBF, USCB: Moat Score Comparison

For the Banks - Regional subindustry, Avidia Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Avidia Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Avidia Bancorp's Moat Score falls into.


AVBC
10GF Score
Avidia Bancorp Inc AVBC
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Avidia Bancorp (AVBC) has a Moat Score of 3 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Avidia Bancorp ranks #410 out of 1612 companies in the Banks industry, placing it in the top 25.4%.
Is Avidia Bancorp's Moat Score too high?
Avidia Bancorp's current Moat Score is 3. Based on the distribution chart, Avidia Bancorp ranks #410 out of 1612 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 Moat Score compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #410 out of 1612 companies for Moat Score. This puts Avidia Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Avidia Bancorp's current Moat Score is 3. 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 Moat Score of 3. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Moat Score is 3 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 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.
10GF Score

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