Avidbank Holdings Inc. (AVBH) — RQD Stock Rating Cockpit

AVBH carries an RQD Score of 58, a letter grade of D+, and the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars are scored as follows:

• Fundamental Cash Engine: 10 / 20 (ROIC -7%; FCF yield 10.37%). The negative ROIC is the primary drag here, though the reported FCF yield is a comparatively positive offset.
• Whale 13F Flow: 14 / 20 (institutional accumulation and options positioning). This is a moderate score; the source does not itemize the underlying 13F holdings.
• Insider Conviction: 10 / 20 (SEC Form 4 and Congressional PTR cluster flow). The low score indicates insider and Congressional activity is not providing strong conviction support.
• Macro Regime Fit: 14 / 20 (Beta 1.0; sector sensitivity). A beta of 1.0 implies market-level sensitivity, neither defensive nor aggressive.
• Forensic Balance Sheet: 10 / 20 (Altman Z 2.5; Piotroski F 3/9; Debt/Equity 0.5). The Piotroski score of 3/9 is weak, while the Altman Z and Debt/Equity figures are less alarming.

For a prospective investor evaluating the stock today, the rating points to weak fundamental quality relative to the other pillars. The upside case rests mainly on the reported FCF yield and the recent positive news flow; the downside case rests on negative ROIC, low insider conviction, and a weak Piotroski score. The rating's verdict is a trim signal, which suggests the composite data does not currently support adding exposure. This is an analytical framing of the source data, not personalized financial advice.

Avidbank Holdings Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Commercial Banks industry..4B. —: specific products, customer segments, or revenue model details.

Per the market data, gross, operating, and net margins are each reported as 0%, and ROIC is -7%. Per the RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 3/9, and Debt/Equity is 0.5. Net income moved from $21.0M in FY 2024 to -$19.6M in FY 2025, while cash rose from $82.7M to $154.6M. Revenue and operating income are reported as — for both periods, so the source does not allow a margin trend analysis.

• 🐂 Primary Bull Case: Reported FCF yield of 10.37% and a 52-week price rise to $34.16 from a low of $24.03, alongside recent feed headlines citing Q3 earnings beats. With Fundamental Cash Engine at 10/20 (ROIC -7.0%, FCF yield 10.37%) and Institutional Whale Flow at 14/20, sustained execution supports upside toward the top of the $24.03 – $34.77 52-week range.
• 🐻 Primary Bear Case: ROIC of -7%, Piotroski F-Score of 3/9, and an RQD rating of D+ with a Roarable Sell verdict, with insider conviction pillar scored 10/20. Investors must weigh current valuation against — operating margins and a 1.00 macro beta if sector demand softens.

— The Butterfly Supply-Chain Graph lists no upstream or downstream dependencies, no sector correlations, and no proprietary signals.

• Key Question #1: What are the actual Q3 2026 revenue, net income, and EPS figures behind the reported earnings beat?
• Key Question #2: Why are revenue and operating income reported as —, and what is the correct revenue base for margin analysis?
• Key Question #3: What drove the swing in FY 2025 net income to -$19.6M from $21.0M in FY 2024?