CHBH (Croghan Bancshares) Scaled Net Operating Assets: 0.18 (As of Mar. 2026)


CHBH Croghan Bancshares Inc CHBH
57 GF Score
Price $61.00
GF Value $58.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Croghan Bancshares Scaled Net Operating Assets?

Croghan Bancshares CHBH 57 Scaled Net Operating Assets is 0.18 as of Mar. 2026. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $58.54 (Fairly Valued). The stock has 3 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.

Croghan Bancshares's operating assets for the quarter that ended in Mar. 2026 was $1,310.89 Mil. Croghan Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $1,071.38 Mil. Croghan Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $1,314.40 Mil. Therefore, Croghan Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.18.

CHBH
57GF Score
Croghan Bancshares Inc CHBH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Croghan Bancshares 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.

Croghan Bancshares'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 )
=(1283.616-1031.676)/1150.795
=0.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1314.4 - 30.784
=1283.616

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1176.676 - 145 - 0
=1031.676

Croghan Bancshares'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 )
=(1310.885-1071.377)/1314.4
=0.18

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1352.7 - 41.815
=1310.885

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1216.377 - 145 - 0
=1071.377

* 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 0.18 mean?
Croghan Bancshares (CHBH) has a Scaled Net Operating Assets of 0.18 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 Croghan Bancshares and its competitors.
Is Croghan Bancshares' Scaled Net Operating Assets too high?
Croghan Bancshares' current Scaled Net Operating Assets is 0.18. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Scaled Net Operating Assets compare to PPBN and FCPB?
Croghan Bancshares' Scaled Net Operating Assets of 0.18 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 Croghan Bancshares and its competitors. Croghan Bancshares's current Scaled Net Operating Assets is 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $58.54, compared to a current price of $61.00 — trading 4.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.18. Croghan Bancshares' overall GF Score™ is 57/100 with 3 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 Croghan Bancshares (CHBH), the current Scaled Net Operating Assets is 0.18 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 Croghan Bancshares (CHBH) Overvalued in 2026?

Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued. The current stock price of $61.00 is trading 4.2% above its estimated GF Value™ of $58.54. GuruFocus considers Croghan Bancshares to be Fairly Valued.

Key valuation signals for CHBH:

  • Scaled Net Operating Assets: 0.18
  • GF Value™: $58.54 vs. price of $61.00 (4.2% above fair value)
  • GF Score™: 57/100 with 3 warning signs

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

Croghan Bancshares Business Description

Address 323 Croghan Street, Fremont, OH, USA, 43420
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score

Get the complete analysis for CHBH

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

$61.00
Price
$58.54
GF Value