Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Avidbank HoldingsAVBH +0.15%41 Net Margin % is 25.72% as of Jun. 2026, which is 48% above its 10-year median of 17.32. GuruFocus rates AVBH with a GF Score™ of 41/100 and a GF Value™ of $8.58 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Avidbank Holdings ranks worse than 98.23% on this metric.
Avidbank Holdings (NAS:AVBH) 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.
Avidbank Holdings Net Margin % Related Terms
Avidbank Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for Avidbank Holdings'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, Avidbank Holdings'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.
Avidbank Holdings Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Avidbank Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Avidbank Holdings'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.
Avidbank Holdings (AVBH) has a Net Margin % of 25.72% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Avidbank Holdings and its competitors. This is 48% above median its historical median of 17.32. According to the industry distribution chart, Avidbank Holdings ranks #1498 out of 1525 companies in the Banks industry, placing it in the top 98.2%.
Is Avidbank Holdings' Net Margin % too high?
Avidbank Holdings' current Net Margin % of 25.72% is 48% above median its 10-year median of 17.32. The Banks industry median Net Margin % is 27.10. Avidbank Holdings' value of 25.72% is 5.1% below this industry median. Based on the distribution chart, Avidbank Holdings ranks #1498 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avidbank Holdings has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avidbank Holdings' Net Margin % compare to BCML and NWFL?
According to the Banks industry distribution chart, Avidbank Holdings ranks #1498 out of 1525 companies for Net Margin %. This places Avidbank Holdings in the lower half of its industry. The industry median Net Margin % is 27.10. Avidbank Holdings' value of 25.72% is 5.1% below this benchmark. While the company's 10-year median is 17.32 vs. the industry median of 27.10, Avidbank Holdings 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 27.10, based on 1,525 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. Avidbank Holdings's current Net Margin % of 25.72% is 5.1% 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 Avidbank Holdings and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidbank Holdings's current Net Margin % is 25.72%, which is 48% above median its own 10-year median of 17.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidbank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Avidbank Holdings (AVBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.58, compared to a current price of $32.88 — trading 283.2% above its estimated fair value. The current Net Margin % is 25.72%, which is 48% above median its 10-year median of 17.32 and 5.1% below the Banks industry median of 27.10. Avidbank Holdings' overall GF Score™ is 41/100 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 Avidbank Holdings (AVBH), the current Net Margin % is 25.72% as of Jun. 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 Avidbank Holdings (AVBH) Overvalued in 2026?
Based on GuruFocus' analysis, Avidbank Holdings stock appears to be overvalued.
The current stock price of $32.88 is trading 283.2% above its estimated GF Value™ of $8.58.
GuruFocus considers Avidbank Holdings to be Significantly Overvalued.
Key valuation signals for AVBH:
Net Margin %: 25.72% (48% above median its 10-year median of 17.32)
GF Value™: $8.58 vs. price of $32.88 (283.2% above fair value)
Industry Position: 5.1% below the Banks median (#1498 of 1525)
No single metric tells the full story. See the AVBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Avidbank Holdings Inc is a full-service commercial bank. It offers various services such as commercial and industrial lending, venture lending, structured finance, asset-based lending, sponsor finance, real estate construction, and commercial real estate lending.
41GF Score
Get the complete analysis for AVBH
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AVBH has been successfully added to your 
