APLO (Apollo Bancorp) Scaled Net Operating Assets: 0.25 (As of Jun. 2026)

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APLO Apollo Bancorp Inc APLO
49 GF Score
Price $54.00
GF Value $44.89
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Apollo Bancorp Scaled Net Operating Assets?

Apollo Bancorp APLO 49 Scaled Net Operating Assets is 0.25 as of Jun. 2026. GuruFocus rates APLO with a GF Score™ of 49/100 and a GF Value™ of $44.89 (Modestly Overvalued). The stock has 5 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.

Apollo Bancorp's operating assets for the quarter that ended in Jun. 2026 was $206.55 Mil. Apollo Bancorp's operating liabilities for the quarter that ended in Jun. 2026 was $153.71 Mil. Apollo Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $212.39 Mil. Therefore, Apollo Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.25.

APLO
49GF Score
Apollo Bancorp Inc APLO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Apollo Bancorp 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.

Apollo Bancorp'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 )
=(205.421-143.73)/201.172
=0.31

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=208.56 - 3.139
=205.421

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=183.73 - 40 - 0
=143.73

Apollo Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(206.551-153.711)/212.393
=0.25

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=210.512 - 3.961
=206.551

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=185.111 - 31.4 - 0
=153.711

* 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 0.25 mean?
Apollo Bancorp (APLO) has a Scaled Net Operating Assets of 0.25 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Apollo Bancorp and its competitors.
Is Apollo Bancorp's Scaled Net Operating Assets too high?
Apollo Bancorp's current Scaled Net Operating Assets is 0.25. Overall, Apollo Bancorp has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Apollo Bancorp's Scaled Net Operating Assets compare to GWBK and VWFB?
Apollo Bancorp's Scaled Net Operating Assets of 0.25 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 Apollo Bancorp and its competitors. Apollo Bancorp's current Scaled Net Operating Assets is 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Apollo Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Apollo Bancorp (APLO) is currently considered Modestly Overvalued. The stock's GF Value™ is $44.89, compared to a current price of $54.00 — trading 20.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.25. Apollo Bancorp's overall GF Score™ is 49/100 with 5 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 Apollo Bancorp (APLO), the current Scaled Net Operating Assets is 0.25 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 Apollo Bancorp (APLO) Overvalued in 2026?

Based on GuruFocus' analysis, Apollo Bancorp stock appears to be overvalued. The current stock price of $54.00 is trading 20.3% above its estimated GF Value™ of $44.89. GuruFocus considers Apollo Bancorp to be Modestly Overvalued.

Key valuation signals for APLO:

  • Scaled Net Operating Assets: 0.25
  • GF Value™: $44.89 vs. price of $54.00 (20.3% above fair value)
  • GF Score™: 49/100 with 5 warning signs

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


Apollo Bancorp Business Description

Address 201 North Warren Avenue, P.O. Box 247, Apollo, PA, USA, 15613
Apollo Bancorp Inc operates as a holding company. The company and its subsidiary derive substantially all their income from banking and bank-related services, which include interest earnings on residential real estate, commercial mortgage, commercial, and consumer loan financing, as well as interest-earning investment securities and a variety of deposit and fiduciary services to its customers through seven locations.
49GF Score

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

$54.00
Price
$44.89
GF Value