)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Avidbank (AVBH) investor relations material
Avidbank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Completed IPO in August 2025, raising $61.3–$62 million in net proceeds, strengthening capital and enabling repayment of all short-term borrowings.
Repositioned securities portfolio by selling $274.7–$275 million and reinvesting in higher-yield assets, improving profitability and net interest margin.
Achieved strong loan and deposit growth, with loans up 10% and deposits up 13% year-over-year.
Reported a GAAP net loss of $37.7 million in Q3 2025 due to a $62.4 million pre-tax loss on securities sales; adjusted net income was $6.7 million.
Net interest margin expanded to 3.90% from 3.60% in Q2 2025, with adjusted ROA at 1.13%.
Financial highlights
Net interest income for Q3 2025 was $22.7 million, up 46% annualized from Q2 2025 and 22% year-over-year.
Adjusted return on average equity was 11.23% in Q3 2025.
Book value per share was $25.00 at September 30, 2025.
Noninterest expense rose to $13.5 million, including IPO-related costs and higher salaries.
Efficiency ratio (adjusted) improved to 55.72% in Q3 2025.
Outlook and guidance
Management expects further margin improvement and sustainable growth as the full impact of portfolio repositioning and IPO proceeds is realized.
Double-digit loan and deposit growth guidance maintained, with strong pipelines.
Focus on expanding national presence, especially in venture and specialty finance verticals.
Continued emphasis on core deposit growth and diversified funding sources.
Optimism expressed regarding long-term opportunities and franchise strength.
How will NIM sustain 4%+ with rate cuts?
Impact of construction payoffs on loan growth?
Capitalize on competitor market disruption
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Avidbank earnings date
Q4 202528 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage