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Automated Bank ServicesABANF 86 Return-on-Tangible-Asset is 10.85% as of Mar. 2026, which is 24% below its 10-year median of 14.21. 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 2,893 Software companies, Automated Bank Services ranks better than 87.63% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Automated Bank Services's annualizedNet Income for the quarter that ended in Mar. 2026 was $8.98 Mil. Automated Bank Services's average total tangible assets for the quarter that ended in Mar. 2026 was $82.84 Mil. Therefore, Automated Bank Services's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 10.85%.
The historical rank and industry rank for Automated Bank Services's Return-on-Tangible-Asset or its related term are showing as below:
ABANF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 4.95 Med: 14.21 Max: 19.58
Current: 16.17
During the past 13 years, Automated Bank Services's highest Return-on-Tangible-Asset was 19.58%. The lowest was 4.95%. And the median was 14.21%.
ABANF's Return-on-Tangible-Asset is ranked better than 87.63% of 2893
companies
in the Software industry
Industry Median: 2.06
vs ABANF: 16.17
Automated Bank Services (OTCPK:ABANF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Automated Bank Services Return-on-Tangible-Asset Related Terms
Automated Bank Services Return-on-Tangible-Asset Historical Data
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The historical data trend for Automated Bank Services's Return-on-Tangible-Asset 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.
Automated Bank Services Return-on-Tangible-Asset Chart
ABANF vs MSFT, ORCL, PLTR: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, Automated Bank Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Automated Bank Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Automated Bank Services's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 10.85% mean?
Automated Bank Services (ABANF) has a Return-on-Tangible-Asset of 10.85% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Automated Bank Services and its competitors. This is 24% below median its historical median of 14.21. Over the past decade, Automated Bank Services' Return-on-Tangible-Asset has ranged from 4.95 to 19.58. According to the industry distribution chart, Automated Bank Services ranks #358 out of 2893 companies in the Software industry, placing it in the top 12.4%.
Is Automated Bank Services' Return-on-Tangible-Asset too high?
Automated Bank Services' current Return-on-Tangible-Asset of 10.85% is 24% below median its 10-year median of 14.21. Over the past 10 years, this metric has ranged from a low of 4.95 to a high of 19.58. The Software industry median Return-on-Tangible-Asset is 2.06. Automated Bank Services' value of 10.85% is 426.7% above this industry median. Based on the distribution chart, Automated Bank Services ranks #358 out of 2893 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' Return-on-Tangible-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, Automated Bank Services ranks #358 out of 2893 companies for Return-on-Tangible-Asset. This places Automated Bank Services in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.06. Automated Bank Services' value of 10.85% is 426.7% above this benchmark. Historically, Automated Bank Services' own Return-on-Tangible-Asset has ranged from 4.95 to 19.58 over the past decade. While the company's 10-year median is 14.21 vs. the industry median of 2.06, 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 Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.06, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automated Bank Services's current Return-on-Tangible-Asset of 10.85% is 426.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Automated Bank Services and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automated Bank Services's current Return-on-Tangible-Asset is 10.85%, which is 24% below median its own 10-year median of 14.21. 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 Return-on-Tangible-Asset is 10.85%, which is 24% below median its 10-year median of 14.21 and 426.7% above the Software industry median of 2.06. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Automated Bank Services (ABANF), the current Return-on-Tangible-Asset is 10.85% 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:
Return-on-Tangible-Asset: 10.85% (24% below median its 10-year median of 14.21)
GF Value™: $5.81 vs. price of $7.93 (36.5% above fair value)
Industry Position: 426.7% above the Software median (#358 of 2893)
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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