The Housing Bank for Trade & Finance (AMM:THBK) Scaled Net Operating Assets: 0.10 (As of Mar. 2026)


AMM:THBK The Housing Bank for Trade & Finance AMM:THBK
76 GF Score
Price JOD4.86
GF Value JOD3.89
Valuation Modestly Overvalued
! 7 Warning Signs
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What is The Housing Bank for Trade & Finance Scaled Net Operating Assets?

The Housing Bank for Trade & Finance AMM:THBK -0.21% 76 Scaled Net Operating Assets is 0.10 as of Mar. 2026. GuruFocus rates AMM:THBK with a GF Score™ of 76/100 and a GF Value™ of JOD3.89 (Modestly Overvalued). The stock has 7 warning signs investors should review.

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

The Housing Bank for Trade & Finance's operating assets for the quarter that ended in Mar. 2026 was JOD8,772.0 Mil. The Housing Bank for Trade & Finance's operating liabilities for the quarter that ended in Mar. 2026 was JOD7,852.3 Mil. The Housing Bank for Trade & Finance's Total Assets for the quarter that ended in Dec. 2025 was JOD9,392.0 Mil. Therefore, The Housing Bank for Trade & Finance's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.10.

AMM:THBK
76GF Score
The Housing Bank for Trade & Finance AMM:THBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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The Housing Bank for Trade & Finance 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.

The Housing Bank for Trade & Finance'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 )
=(8225.104-7667.101)/9226.735
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9392.041 - 1166.937
=8225.104

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7903.868 - 236.767 - 0
=7667.101

The Housing Bank for Trade & Finance'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 )
=(8772.002-7852.341)/9392.041
=0.10

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9659.801 - 887.799
=8772.002

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8132.68 - 280.339 - 0
=7852.341

* 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 0.10 mean?
The Housing Bank for Trade & Finance (AMM:THBK) has a Scaled Net Operating Assets of 0.10 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 The Housing Bank for Trade & Finance and its competitors.
Is The Housing Bank for Trade & Finance's Scaled Net Operating Assets too high?
The Housing Bank for Trade & Finance's current Scaled Net Operating Assets is 0.10. Overall, The Housing Bank for Trade & Finance has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Housing Bank for Trade & Finance's Scaled Net Operating Assets compare to competitors?
The Housing Bank for Trade & Finance's Scaled Net Operating Assets of 0.10 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 The Housing Bank for Trade & Finance and its competitors. The Housing Bank for Trade & Finance's current Scaled Net Operating Assets is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Housing Bank for Trade & Finance stock overvalued right now?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance (AMM:THBK) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD3.89, compared to a current price of JOD4.86 — trading 24.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.10. The Housing Bank for Trade & Finance's overall GF Score™ is 76/100 with 7 warning signs 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 The Housing Bank for Trade & Finance (AMM:THBK), the current Scaled Net Operating Assets is 0.10 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 The Housing Bank for Trade & Finance (AMM:THBK) Overvalued in 2026?

Based on GuruFocus' analysis, The Housing Bank for Trade & Finance stock appears to be overvalued. The current stock price of JOD4.86 is trading 24.9% above its estimated GF Value™ of JOD3.89. GuruFocus considers The Housing Bank for Trade & Finance to be Modestly Overvalued.

Key valuation signals for AMM:THBK:

  • Scaled Net Operating Assets: 0.10
  • GF Value™: JOD3.89 vs. price of JOD4.86 (24.9% above fair value)
  • GF Score™: 76/100 with 7 warning signs

No single metric tells the full story. See the AMM:THBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The Housing Bank for Trade & Finance Business Description

Address Prince Shaker Bin Zaid Street, Al-Shumaysani, PO Box 7693, Amman, JOR, 11118
The Housing Bank for Trade & Finance is a commercial banking setup based in Jordan. Its operating segments include Retail Banking, Corporate, Corporate Finance, Treasury, and Others. The Retail Banking segment, which generates maximum revenue, includes accepting deposits from individual customers and small businesses and granting loans, credit cards, and other services. Its Corporate segment includes following up on deposits, credit facilities, and other banking services for institutional and corporate clients; the Corporate Finance segment relates to arranging structured finance and providing services relating to privatizations, IPOs, mergers, and acquisitions; and the Treasury segment provides trading and treasury services and management of the bank's funds in money and capital markets.
76GF Score

Get the complete analysis for AMM:THBK

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JOD4.86
Price
JOD3.89
GF Value