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Automated Bank ServicesABANF 86 3-Year ROIIC % is 5.98 as of Dec. 2025, which is 76% below its 10-year median of 24.77. 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 2,623 Software companies, Automated Bank Services ranks better than 51.62% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Automated Bank Services's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 5.98%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Automated Bank Services's 3-Year ROIIC % or its related term are showing as below:
ABANF's 3-Year ROIIC % is ranked better than 51.62% of 2623
companies
in the Software industry
Industry Median: 5.25
vs ABANF: 5.98
Automated Bank Services (OTCPK:ABANF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Automated Bank Services 3-Year ROIIC % Related Terms
Automated Bank Services 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Software - Infrastructure subindustry, Automated Bank Services's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Automated Bank Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Automated Bank Services's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Automated Bank Services (ABANF) has a 3-Year ROIIC % of 5.98 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Automated Bank Services and its competitors. This is 76% below median its historical median of 24.77. According to the industry distribution chart, Automated Bank Services ranks #1269 out of 2623 companies in the Software industry, placing it in the top 48.4%.
Is Automated Bank Services' 3-Year ROIIC % too high?
Automated Bank Services' current 3-Year ROIIC % of 5.98 is 76% below median its 10-year median of 24.77. The Software industry median 3-Year ROIIC % is 5.25. Automated Bank Services' value of 5.98 is 13.9% above this industry median. Based on the distribution chart, Automated Bank Services ranks #1269 out of 2623 companies in the Software industry, which is above the industry midpoint. 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' 3-Year ROIIC % compare to MSFT and ORCL?
According to the Software industry distribution chart, Automated Bank Services ranks #1269 out of 2623 companies for 3-Year ROIIC %. This puts Automated Bank Services in the upper half of its industry. The industry median 3-Year ROIIC % is 5.25. Automated Bank Services' value of 5.98 is 13.9% above this benchmark. While the company's 10-year median is 24.77 vs. the industry median of 5.25, 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 3-Year ROIIC % for a Software company?
The median 3-Year ROIIC % among Software companies is 5.25, based on 2,623 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automated Bank Services's current 3-Year ROIIC % of 5.98 is 13.9% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Automated Bank Services and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automated Bank Services's current 3-Year ROIIC % is 5.98, which is 76% below median its own 10-year median of 24.77. 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 3-Year ROIIC % is 5.98, which is 76% below median its 10-year median of 24.77 and 13.9% above the Software industry median of 5.25. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Automated Bank Services (ABANF), the current 3-Year ROIIC % is 5.98 as of Dec. 2025. 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:
3-Year ROIIC %: 5.98 (76% below median its 10-year median of 24.77)
GF Value™: $5.81 vs. price of $7.93 (36.5% above fair value)
Industry Position: 13.9% above the Software median (#1269 of 2623)
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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