Patria Bank (BSE:PBK) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


BSE:PBK Patria Bank SA BSE:PBK
39 GF Score
Price lei0.14
GF Value lei0.10
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Patria Bank Scaled Net Operating Assets?

Patria Bank BSE:PBK +0.37% 39 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates BSE:PBK with a GF Score™ of 39/100 and a GF Value™ of lei0.10 (Significantly Overvalued). The stock has 6 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.

Patria Bank's operating assets for the quarter that ended in Mar. 2026 was lei4,974.5 Mil. Patria Bank's operating liabilities for the quarter that ended in Mar. 2026 was lei4,516.7 Mil. Patria Bank's Total Assets for the quarter that ended in Dec. 2025 was lei5,444.9 Mil. Therefore, Patria Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

BSE:PBK
39GF Score
Patria Bank SA BSE:PBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Patria 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.

Patria 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 )
=(4655.089-4395.804)/4619.953
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5444.858 - 789.769
=4655.089

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4960.872 - 565.068 - 0
=4395.804

Patria 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 )
=(4974.537-4516.72)/5444.858
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5575.404 - 600.867
=4974.537

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5090.507 - 573.787 - 0
=4516.72

* 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 0.08 mean?
Patria Bank (BSE:PBK) has a Scaled Net Operating Assets of 0.08 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 Patria Bank and its competitors.
Is Patria Bank's Scaled Net Operating Assets too high?
Patria Bank's current Scaled Net Operating Assets is 0.08. Overall, Patria Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Patria Bank's Scaled Net Operating Assets compare to PNC and USB?
Patria Bank's Scaled Net Operating Assets of 0.08 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 Patria Bank and its competitors. Patria Bank's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patria Bank stock overvalued right now?
Based on GuruFocus' analysis, Patria Bank (BSE:PBK) is currently considered Significantly Overvalued. The stock's GF Value™ is lei0.10, compared to a current price of lei0.14 — trading 35% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. Patria Bank's overall GF Score™ is 39/100 with 6 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 Patria Bank (BSE:PBK), the current Scaled Net Operating Assets is 0.08 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 Patria Bank (BSE:PBK) Overvalued in 2026?

Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued. The current stock price of lei0.14 is trading 35% above its estimated GF Value™ of lei0.10. GuruFocus considers Patria Bank to be Significantly Overvalued.

Key valuation signals for BSE:PBK:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: lei0.10 vs. price of lei0.14 (35% above fair value)
  • GF Score™: 39/100 with 6 warning signs

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

Patria Bank Business Description

Address 42 Pipera Road, Globalworth Plaza building, floors 7, 8 and 10, Bucharest, ROU, 020112
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
39GF Score

Get the complete analysis for BSE:PBK

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

lei0.14
Price
lei0.10
GF Value