CSHX (Cashmere Valley Bank) Scaled Net Operating Assets: -0.32 (As of Jun. 2026)

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CSHX Cashmere Valley Bank CSHX
64 GF Score
Price $89.20
GF Value $69.71
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cashmere Valley Bank Scaled Net Operating Assets?

Cashmere Valley Bank CSHX -1.11% 64 Scaled Net Operating Assets is -0.32 as of Jun. 2026. GuruFocus rates CSHX with a GF Score™ of 64/100 and a GF Value™ of $69.71 (Modestly 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.

Cashmere Valley Bank's operating assets for the quarter that ended in Jun. 2026 was $1,246.72 Mil. Cashmere Valley Bank's operating liabilities for the quarter that ended in Jun. 2026 was $1,977.94 Mil. Cashmere Valley Bank's Total Assets for the quarter that ended in Mar. 2026 was $2,301.00 Mil. Therefore, Cashmere Valley Bank's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was -0.32.

CSHX
64GF Score
Cashmere Valley Bank CSHX
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Cashmere Valley 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.

Cashmere Valley 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 )
=(2025.781-1917.841)/2121.563
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2273.312 - 247.531
=2025.781

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2000.841 - 0 - 83
=1917.841

Cashmere Valley Bank'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 )
=(1246.717-1977.943)/2300.997
=-0.32

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2316.834 - 1070.117
=1246.717

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2058.943 - 81 - 0
=1977.943

* 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 -0.32 mean?
Cashmere Valley Bank (CSHX) has a Scaled Net Operating Assets of -0.32 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 Cashmere Valley Bank and its competitors.
Is Cashmere Valley Bank's Scaled Net Operating Assets too high?
Cashmere Valley Bank's current Scaled Net Operating Assets is -0.32. Overall, Cashmere Valley Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cashmere Valley Bank's Scaled Net Operating Assets compare to COSO and VLNT?
Cashmere Valley Bank's Scaled Net Operating Assets of -0.32 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 Cashmere Valley Bank and its competitors. Cashmere Valley Bank's current Scaled Net Operating Assets is -0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cashmere Valley Bank stock overvalued right now?
Based on GuruFocus' analysis, Cashmere Valley Bank (CSHX) is currently considered Modestly Overvalued. The stock's GF Value™ is $69.71, compared to a current price of $89.20 — trading 28% above its estimated fair value. The current Scaled Net Operating Assets is -0.32. Cashmere Valley Bank's overall GF Score™ is 64/100 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 Cashmere Valley Bank (CSHX), the current Scaled Net Operating Assets is -0.32 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 Cashmere Valley Bank (CSHX) Overvalued in 2026?

Based on GuruFocus' analysis, Cashmere Valley Bank stock appears to be overvalued. The current stock price of $89.20 is trading 28% above its estimated GF Value™ of $69.71. GuruFocus considers Cashmere Valley Bank to be Modestly Overvalued.

Key valuation signals for CSHX:

  • Scaled Net Operating Assets: -0.32
  • GF Value™: $69.71 vs. price of $89.20 (28% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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

Cashmere Valley Bank Business Description

Address 117 Aplets Way, PO Box G, Cashmere, WA, USA, 98815
Cashmere Valley Bank is a state-chartered bank engaged in providing banking products and services. It mainly serves small and middle-market businesses and middle-income individuals in Washington. The company's lending and other banking activities are carried out in and around Chelan, Douglas, Kittitas, and Yakima counties and, to a lesser degree, other areas of Western Washington. It offers checking, savings, business, investment, and retirement savings, health savings, certificate of deposit, college savings accounts, loans, mortgages, electronic banking, investment and insurance services, and credit cards.
64GF 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.

$89.20
Price
$69.71
GF Value