Avidia Bancorp vs Usio
AVBC and USIO side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AVBC and USIO compare
Avidia Bancorp is the larger company, worth 7.8 times as much as Usio ($450M against $58.0M).
Avidia Bancorp grew revenue faster over the last twelve months (17.3% versus 13.7% for Usio).
Avidia Bancorp keeps more of each dollar of sales as profit, with a net margin of 23.3% compared with −0.92% at Usio.
Avidia Bancorp pays a dividend yielding 0.71%; Usio does not pay one.
Avidia Bancorp scores higher on the StockData Score (7 against 5 for Usio), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AVBC | USIO |
|---|---|---|
| Size and price | ||
| Market cap | $450M | $58.0M |
| Share price | $22.53 | $2.04 |
| Change, 1 year | 47.8% | 42.3% |
| Change, 5 years | – | −72.2% |
| Beta (5Y) | 0.28 | 0.42 |
| Employees | 241 | 107 |
| StockData Score | ||
| Total score | 7 (better) | 5 |
| Valuation score | 0 | 0 |
| Growth score | 1 | 1 |
| Performance score | 2 (better) | 1 |
| Health score | 3 | 3 |
| Dividend score | 1 (better) | 0 |
| Valuation | ||
| P/E | 15.3× | – |
| P/S | 3.9× | 0.6× (better) |
| P/B | 1.2× (better) | 3.0× |
| EV/EBITDA | – | 51.0× |
| P/FCF | 10.1× (better) | 46.6× |
| FCF yield | 9.9% (better) | 2.1% |
| Fair value | $19.50 | $1.09 |
| Margin of safety | −15.6% (better) | −87.3% |
| Growth | ||
| Revenue growth (TTM) | 17.3% (better) | 13.7% |
| Revenue growth, 5Y average | – | 21.5% |
| Profitability | ||
| Gross margin | – | 22.6% |
| Operating margin | – | −0.40% |
| Net margin | 23.3% (better) | −0.92% |
| FCF margin | 38.3% (better) | 1.3% |
| Return on equity | 7.3% (better) | −4.6% |
| Return on invested capital | – | −2.3% |
| Financial health | ||
| Debt / equity | – | 0.08 |
| Net debt / EBITDA | – | −5.72 |
| Interest coverage | – | −4.4× |
| Current ratio | – | 1.10 |
| Altman Z-score | 0.27 | 0.41 (better) |
| Piotroski F-score | – | 3 |
| Dividends and buybacks | ||
| Dividend yield | 0.71% | – |
| Buyback yield | – | 1.2% |
| Shareholder yield | 0.71% | 1.2% (better) |
| Ownership | ||
| Held by institutions | – | 21.9% |
| Held by insiders | 5.8% | – |
| Insider net buying, 12 months | $1.5M (better) | −$148K |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 2.5% | – |
Go deeper
- AVBC stock overview
- AVBC income statement
- AVBC valuation and score
- USIO stock overview
- USIO income statement
- USIO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.