AVBC (Avidia Bancorp) OCF Margin %: 30.02% (As of Mar. 2026) — 11% Above Median


AVBC Avidia Bancorp Inc AVBC
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What is Avidia Bancorp OCF Margin %?

Avidia Bancorp AVBC -1.95% 10 OCF Margin % is 30.02% as of Mar. 2026, which is 11% above its 10-year median of 26.99. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,502 Banks companies, Avidia Bancorp ranks better than 61.45% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Avidia Bancorp's Cash Flow from Operations for the three months ended in Mar. 2026 was $8.4 Mil. Avidia Bancorp's Revenue for the three months ended in Mar. 2026 was $27.9 Mil. Therefore, Avidia Bancorp's OCF Margin % for the quarter that ended in Mar. 2026 was 30.02%.

As of today, Avidia Bancorp's current OCF Yield % is 9.96%.

The historical rank and industry rank for Avidia Bancorp's OCF Margin % or its related term are showing as below:

AVBC' s OCF Margin % Range Over the Past 10 Years
Min: 18.39   Med: 26.99   Max: 28.17
Current: 36.52

During the past 3 years, the highest OCF Margin % of Avidia Bancorp was 28.17%. The lowest was 18.39%. And the median was 26.99%.

AVBC's OCF Margin % is ranked better than
61.45% of 1502 companies
in the Banks industry
Industry Median: 29.405 vs AVBC: 36.52

Avidia Bancorp OCF Margin % Related Terms

Avidia Bancorp OCF Margin % Historical Data

* Premium members only.

The historical data trend for Avidia Bancorp's OCF 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.

Avidia Bancorp OCF Margin % Chart

Avidia Bancorp Annual Data
Trend Dec23 Dec24 Dec25
OCF Margin %
18.39 26.99 28.17

Avidia Bancorp Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only -10.17 -9.39 87.95 33.33 30.02

AVBC vs RVRF, MVBF, USCB: OCF Margin % Comparison

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

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

* The bar in red indicates where Avidia Bancorp's OCF Margin % falls into.


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Avidia Bancorp OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Avidia Bancorp's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=28.371/100.702
=28.17 %

Avidia Bancorp's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=8.376/27.901
=30.02 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 30.02% mean?
Avidia Bancorp (AVBC) has a OCF Margin % of 30.02% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Avidia Bancorp and its competitors. This is 11% above median its historical median of 26.99. Over the past decade, Avidia Bancorp's OCF Margin % has ranged from 18.39 to 28.17. According to the industry distribution chart, Avidia Bancorp ranks #579 out of 1502 companies in the Banks industry, placing it in the top 38.5%.
Is Avidia Bancorp's OCF Margin % too high?
Avidia Bancorp's current OCF Margin % of 30.02% is 11% above median its 10-year median of 26.99. Over the past 10 years, this metric has ranged from a low of 18.39 to a high of 28.17. The Banks industry median OCF Margin % is 29.41. Avidia Bancorp's value of 30.02% is 2.1% above this industry median. Based on the distribution chart, Avidia Bancorp ranks #579 out of 1502 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 OCF Margin % compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #579 out of 1502 companies for OCF Margin %. This puts Avidia Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.41. Avidia Bancorp's value of 30.02% is 2.1% above this benchmark. Historically, Avidia Bancorp's own OCF Margin % has ranged from 18.39 to 28.17 over the past decade. While the company's 10-year median is 26.99 vs. the industry median of 29.41, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current OCF Margin % of 30.02% is 2.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current OCF Margin % is 30.02%, which is 11% above median its own 10-year median of 26.99. 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 OCF Margin % of 30.02%. The current OCF Margin % is 30.02%, which is 11% above median its 10-year median of 26.99 and 2.1% above the Banks industry median of 29.41. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current OCF Margin % is 30.02% 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 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.
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