Avidia BancorpAVBC -1.95%10 Return-on-Tangible-Equity is 6.55% as of Mar. 2026, which is 2% below its 10-year median of 6.68. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Avidia Bancorp ranks worse than 83.32% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Avidia Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $24.0 Mil. Avidia Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $366.3 Mil. Therefore, Avidia Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.55%.
The historical rank and industry rank for Avidia Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
AVBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -1.21 Med: 6.68 Max: 7.52
Current: 4.98
During the past 3 years, Avidia Bancorp's highest Return-on-Tangible-Equity was 7.52%. The lowest was -1.21%. And the median was 6.68%.
AVBC's Return-on-Tangible-Equity is ranked worse than 83.32% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs AVBC: 4.98
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Avidia Bancorp Return-on-Tangible-Equity Related Terms
Avidia Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's Return-on-Tangible-Equity 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.
AVBC vs RVRF, MVBF, USCB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Avidia Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.55% mean?
Avidia Bancorp (AVBC) has a Return-on-Tangible-Equity of 6.55% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Avidia Bancorp and its competitors. This is near median its historical median of 6.68. According to the industry distribution chart, Avidia Bancorp ranks #1269 out of 1523 companies in the Banks industry, placing it in the top 83.3%.
Is Avidia Bancorp's Return-on-Tangible-Equity too high?
Avidia Bancorp's current Return-on-Tangible-Equity of 6.55% is near median its 10-year median of 6.68. The Banks industry median Return-on-Tangible-Equity is 11.19. Avidia Bancorp's value of 6.55% is 41.5% below this industry median. Based on the distribution chart, Avidia Bancorp ranks #1269 out of 1523 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 Return-on-Tangible-Equity compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1269 out of 1523 companies for Return-on-Tangible-Equity. This places Avidia Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Avidia Bancorp's value of 6.55% is 41.5% below this benchmark. While the company's 10-year median is 6.68 vs. the industry median of 11.19, Avidia Bancorp has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current Return-on-Tangible-Equity of 6.55% is 41.5% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Return-on-Tangible-Equity is 6.55%, which is near median its own 10-year median of 6.68. 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 Return-on-Tangible-Equity of 6.55%. The current Return-on-Tangible-Equity is 6.55%, which is near median its 10-year median of 6.68 and 41.5% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Return-on-Tangible-Equity is 6.55% 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.
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