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Automated Bank ServicesABANF 86 Net Margin % is 17.89% as of Mar. 2026, which is 38% below its 10-year median of 28.75. GuruFocus rates ABANF with a GF Score™ of 86/100 and a GF Value™ of $5.81 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 2,834 Software companies, Automated Bank Services ranks better than 94.18% on this metric.
Automated Bank Services (OTCPK:ABANF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Automated Bank Services Net Margin % Related Terms
Automated Bank Services Net Margin % Historical Data
* 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.
ABANF vs MSFT, ORCL, PLTR: Net Margin % Comparison
For the Software - Infrastructure subindustry, Automated Bank Services's Net Margin %, along with its competitors' market caps and Net 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.
Automated Bank Services Net Margin % vs Software Industry
For the Software industry and Technology sector, Automated Bank Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Automated Bank Services's Net Margin % 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.
Automated Bank Services (ABANF) has a Net Margin % of 17.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Automated Bank Services and its competitors. This is 38% below median its historical median of 28.75. Over the past decade, Automated Bank Services' Net Margin % has ranged from 20.54 to 40.36. According to the industry distribution chart, Automated Bank Services ranks #165 out of 2834 companies in the Software industry, placing it in the top 5.8%.
Is Automated Bank Services' Net Margin % too high?
Automated Bank Services' current Net Margin % of 17.89% is 38% below median its 10-year median of 28.75. Over the past 10 years, this metric has ranged from a low of 20.54 to a high of 40.36. The Software industry median Net Margin % is 2.63. Automated Bank Services' value of 17.89% is 580.2% above this industry median. Based on the distribution chart, Automated Bank Services ranks #165 out of 2834 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Automated Bank Services has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Automated Bank Services' Net Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, Automated Bank Services ranks #165 out of 2834 companies for Net Margin %. This places Automated Bank Services in the top 6% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.63. Automated Bank Services' value of 17.89% is 580.2% above this benchmark. Historically, Automated Bank Services' own Net Margin % has ranged from 20.54 to 40.36 over the past decade. While the company's 10-year median is 28.75 vs. the industry median of 2.63, Automated Bank Services 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 Net Margin % for a Software company?
The median Net Margin % among Software companies is 2.63, based on 2,834 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automated Bank Services's current Net Margin % of 17.89% is 580.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Automated Bank Services and its competitors. For the Software industry, the median Net Margin % is 2.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automated Bank Services's current Net Margin % is 17.89%, which is 38% below median its own 10-year median of 28.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automated Bank Services stock overvalued right now?
Based on GuruFocus' analysis, Automated Bank Services (ABANF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.81, compared to a current price of $7.93 — trading 36.5% above its estimated fair value. The current Net Margin % is 17.89%, which is 38% below median its 10-year median of 28.75 and 580.2% above the Software industry median of 2.63. Automated Bank Services' overall GF Score™ is 86/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Automated Bank Services (ABANF), the current Net Margin % is 17.89% 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.
Is Automated Bank Services (ABANF) Overvalued in 2026?
Based on GuruFocus' analysis, Automated Bank Services stock appears to be overvalued.
The current stock price of $7.93 is trading 36.5% above its estimated GF Value™ of $5.81.
GuruFocus considers Automated Bank Services to be Significantly Overvalued.
Key valuation signals for ABANF:
Net Margin %: 17.89% (38% below median its 10-year median of 28.75)
GF Value™: $5.81 vs. price of $7.93 (36.5% above fair value)
Industry Position: 580.2% above the Software median (#165 of 2834)
No single metric tells the full story. See the ABANF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Automated Bank Services Ltd is an Israel-based company involved in providing technological services to the financial system. The company serves as a central junction and a national infrastructure for clearing credit cards. It also works with credit card companies as both a clearing and issuing company.
86GF Score
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