Hvidbjerg Bank AS (CHIX:HVIDC) Scaled Net Operating Assets: -0.04 (As of Mar. 2026)


CHIX:HVIDC Hvidbjerg Bank AS CHIX:HVIDC
66 GF Score
Price kr72.50
GF Value kr54.87
! 3 Warning Signs
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What is Hvidbjerg Bank AS Scaled Net Operating Assets?

Hvidbjerg Bank AS CHIX:HVIDC 66 Scaled Net Operating Assets is -0.04 as of Mar. 2026. GuruFocus rates CHIX:HVIDC with a GF Score™ of 66/100 and a GF Value™ of kr54.87. 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.

Hvidbjerg Bank AS's operating assets for the quarter that ended in Mar. 2026 was kr2,078.2 Mil. Hvidbjerg Bank AS's operating liabilities for the quarter that ended in Mar. 2026 was kr2,168.6 Mil. Hvidbjerg Bank AS's Total Assets for the quarter that ended in Dec. 2025 was kr2,562.6 Mil. Therefore, Hvidbjerg Bank AS's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.04.

CHIX:HVIDC
66GF Score
Hvidbjerg Bank AS CHIX:HVIDC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Hvidbjerg Bank AS 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.

Hvidbjerg Bank AS'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 )
=(2063.7-2216.028)/2301.862
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2562.563 - 498.863
=2063.7

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2250.929 - 34.901 - 0
=2216.028

Hvidbjerg Bank AS'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 )
=(2078.194-2168.597)/2562.563
=-0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2507.772 - 429.578
=2078.194

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2188.511 - 19.914 - 0
=2168.597

* 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 -0.04 mean?
Hvidbjerg Bank AS (CHIX:HVIDC) has a Scaled Net Operating Assets of -0.04 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 Hvidbjerg Bank AS and its competitors.
Is Hvidbjerg Bank AS's Scaled Net Operating Assets too high?
Hvidbjerg Bank AS's current Scaled Net Operating Assets is -0.04. Overall, Hvidbjerg Bank AS has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Hvidbjerg Bank AS's Scaled Net Operating Assets compare to PNC and USB?
Hvidbjerg Bank AS's Scaled Net Operating Assets of -0.04 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 Hvidbjerg Bank AS and its competitors. Hvidbjerg Bank AS's current Scaled Net Operating Assets is -0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hvidbjerg Bank AS stock overvalued right now?
Hvidbjerg Bank AS (CHIX:HVIDC) has a current Scaled Net Operating Assets of -0.04. The stock's GF Value™ is kr54.87, compared to a current price of kr72.50 — trading 32.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.04. Hvidbjerg Bank AS's overall GF Score™ is 66/100 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 Hvidbjerg Bank AS (CHIX:HVIDC), the current Scaled Net Operating Assets is -0.04 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 Hvidbjerg Bank AS (CHIX:HVIDC) Overvalued in 2026?

Based on GuruFocus' analysis, Hvidbjerg Bank AS stock appears to be overvalued. The current stock price of kr72.50 is trading 32.1% above its estimated GF Value™ of kr54.87.

Key valuation signals for CHIX:HVIDC:

  • Scaled Net Operating Assets: -0.04
  • GF Value™: kr54.87 vs. price of kr72.50 (32.1% above fair value)
  • GF Score™: 66/100 with 3 warning signs

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

Hvidbjerg Bank AS Business Description

Other Exchanges HVID:Denmark
Address Ostergade 2, Thyholm, DNK, 7790
Hvidbjerg Bank AS is a Denmark-based bank that offers various banking products and services.It offers financial services to private individuals and local businesses. The bank offers pension products, mortgages and personal loans, investment services, and Internet banking. It operates in the central and western Jutland Limfjord area and has four departments in Hvidbjerg / Hurup, Struer, Viborg, and Holstebro.
66GF Score

Get the complete analysis for CHIX:HVIDC

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

kr72.50
Price
kr54.87
GF Value