CCYY (CCCB Bancorp) Scaled Net Operating Assets: 0.09 (As of Dec. 2025)


CCYY CCCB Bancorp Inc CCYY
47 GF Score
Price $9.95
GF Value $6.90
Valuation Significantly Overvalued
! 7 Warning Signs
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What is CCCB Bancorp Scaled Net Operating Assets?

CCCB Bancorp CCYY 47 Scaled Net Operating Assets is 0.09 as of Dec. 2025. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.90 (Significantly 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.

CCCB Bancorp's operating assets for the quarter that ended in Dec. 2025 was $261.07 Mil. CCCB Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $240.13 Mil. CCCB Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $233.02 Mil. Therefore, CCCB Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.09.

CCYY
47GF Score
CCCB Bancorp Inc CCYY
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CCCB 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.

CCCB 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 )
=(261.074-240.13)/233.016
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=266.271 - 5.197
=261.074

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=249.234 - 9.104 - 0
=240.13

CCCB Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(261.074-240.13)/233.016
=0.09

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=266.271 - 5.197
=261.074

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=249.234 - 9.104 - 0
=240.13

* 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 0.09 mean?
CCCB Bancorp (CCYY) has a Scaled Net Operating Assets of 0.09 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on CCCB Bancorp and its competitors.
Is CCCB Bancorp's Scaled Net Operating Assets too high?
CCCB Bancorp's current Scaled Net Operating Assets is 0.09. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's Scaled Net Operating Assets compare to TCNB and TDCB?
CCCB Bancorp's Scaled Net Operating Assets of 0.09 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 CCCB Bancorp and its competitors. CCCB Bancorp's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.90, compared to a current price of $9.95 — trading 44.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. CCCB Bancorp's overall GF Score™ is 47/100 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 CCCB Bancorp (CCYY), the current Scaled Net Operating Assets is 0.09 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 CCCB Bancorp (CCYY) Overvalued in 2026?

Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued. The current stock price of $9.95 is trading 44.2% above its estimated GF Value™ of $6.90. GuruFocus considers CCCB Bancorp to be Significantly Overvalued.

Key valuation signals for CCYY:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: $6.90 vs. price of $9.95 (44.2% above fair value)
  • GF Score™: 47/100 with 7 warning signs

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

CCCB Bancorp Business Description

Address 333 West Main Street, Clarion, PA, USA, 16214
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF 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.

$9.95
Price
$6.90
GF Value