Safwa Islamic Bank (AMM:SIBK) Scaled Net Operating Assets: -0.07 (As of Mar. 2026)


AMM:SIBK Safwa Islamic Bank AMM:SIBK
14 GF Score
Price JOD3.05
! 1 Warning Sign
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What is Safwa Islamic Bank Scaled Net Operating Assets?

Safwa Islamic Bank AMM:SIBK +1.33% 14 Scaled Net Operating Assets is -0.07 as of Mar. 2026. GuruFocus rates AMM:SIBK with a GF Score™ of 14/100. The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Safwa Islamic Bank's operating assets for the quarter that ended in Mar. 2026 was JOD3,994.4 Mil. Safwa Islamic Bank's operating liabilities for the quarter that ended in Mar. 2026 was JOD4,306.6 Mil. Safwa Islamic Bank's Total Assets for the quarter that ended in Dec. 2025 was JOD4,288.5 Mil. Therefore, Safwa Islamic Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.07.

AMM:SIBK
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Safwa Islamic Bank AMM:SIBK
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Safwa Islamic Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Safwa Islamic Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3778.805-4039.563)/3534.537
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4288.466 - 509.661
=3778.805

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4050.945 - 11.382 - 0
=4039.563

Safwa Islamic Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3994.44-4306.58)/4288.466
=-0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4595.714 - 601.274
=3994.44

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4353.063 - 46.483 - 0
=4306.58

* 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.

What does a Scaled Net Operating Assets of -0.07 mean?
Safwa Islamic Bank (AMM:SIBK) has a Scaled Net Operating Assets of -0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Safwa Islamic Bank and its competitors.
Is Safwa Islamic Bank's Scaled Net Operating Assets too high?
Safwa Islamic Bank's current Scaled Net Operating Assets is -0.07. Overall, Safwa Islamic Bank has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Safwa Islamic Bank's Scaled Net Operating Assets compare to competitors?
Safwa Islamic Bank's Scaled Net Operating Assets of -0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Safwa Islamic Bank and its competitors. Safwa Islamic Bank's current Scaled Net Operating Assets is -0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Safwa Islamic Bank stock overvalued right now?
Safwa Islamic Bank (AMM:SIBK) has a current Scaled Net Operating Assets of -0.07. The current Scaled Net Operating Assets is -0.07. Safwa Islamic Bank's overall GF Score™ is 14/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Safwa Islamic Bank (AMM:SIBK), the current Scaled Net Operating Assets is -0.07 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.

Safwa Islamic Bank Business Description

Address Suleiman Al Nabulsi street, Building No 38, Alabdali boulevard, Amman, JOR, 11118
Safwa Islamic Bank provides Islamic banking and financial services in accordance with Shari'a principles on a non-interest basis. The Bank offers financial banking and structured investment services and operates through three business sectors: Retail Accounts, which manages unrestricted investment accounts, deferred sales receivables, financings, and related retail services; Corporate Accounts, which handles similar services for corporate customers; and Treasury, which is responsible for brokerage services, treasury activities, and the management of the Bank's funds. The Bank operates within the Kingdom and across other Middle Eastern countries, as well as in Europe, Asia, Africa, America, and other international markets.
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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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