Avidia BancorpAVBC -1.95%10 Net Margin % is 21.49% as of Mar. 2026, which is 61% above its 10-year median of 13.35. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Avidia Bancorp ranks worse than 83.77% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Avidia Bancorp's Net Income for the
three
months ended in Mar. 2026 was $6.0 Mil. Avidia Bancorp's Revenue for the
three
months ended in Mar. 2026 was $27.9 Mil. Therefore, Avidia Bancorp's net margin for the quarter that ended in Mar. 2026 was 21.49%.
The historical rank and industry rank for Avidia Bancorp's Net Margin % or its related term are showing as below:
AVBC'
s Net Margin % Range Over the Past 10 Years
Min: -3.27 Med: 13.35 Max: 14.66
Current: 13.4
AVBC's Net Margin % is ranked worse than 83.77% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs AVBC: 13.40
Avidia Bancorp (NYSE:AVBC) 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.
Avidia Bancorp Net Margin % Related Terms
Avidia Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Avidia Bancorp'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.
Avidia Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp'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.
Avidia Bancorp (AVBC) has a Net Margin % of 21.49% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Avidia Bancorp and its competitors. This is 61% above median its historical median of 13.35. According to the industry distribution chart, Avidia Bancorp ranks #1280 out of 1528 companies in the Banks industry, placing it in the top 83.8%.
Is Avidia Bancorp's Net Margin % too high?
Avidia Bancorp's current Net Margin % of 21.49% is 61% above median its 10-year median of 13.35. The Banks industry median Net Margin % is 26.81. Avidia Bancorp's value of 21.49% is 19.8% below this industry median. Based on the distribution chart, Avidia Bancorp ranks #1280 out of 1528 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 Net Margin % compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1280 out of 1528 companies for Net Margin %. This places Avidia Bancorp in the lower half of its industry. The industry median Net Margin % is 26.81. Avidia Bancorp's value of 21.49% is 19.8% below this benchmark. While the company's 10-year median is 13.35 vs. the industry median of 26.81, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.81, based on 1,528 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. Avidia Bancorp's current Net Margin % of 21.49% is 19.8% 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 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 Avidia Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Net Margin % is 21.49%, which is 61% above median its own 10-year median of 13.35. 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 Net Margin % of 21.49%. The current Net Margin % is 21.49%, which is 61% above median its 10-year median of 13.35 and 19.8% below the Banks industry median of 26.81. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Net Margin % is 21.49% 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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