CYSM (Community Bancorp Ofnta Maria) Scaled Net Operating Assets: 0.09 (As of Jun. 2026)

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CYSM Community Bancorp Of Santa Maria CYSM
54 GF Score
Price $20.55
GF Value $13.11
Valuation Significantly Overvalued
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What is Community Bancorp Ofnta Maria Scaled Net Operating Assets?

Community Bancorp Ofnta Maria CYSM +1.23% 54 Scaled Net Operating Assets is 0.09 as of Jun. 2026. GuruFocus rates CYSM with a GF Score™ of 54/100 and a GF Value™ of $13.11 (Significantly Overvalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Community Bancorp Ofnta Maria's operating assets for the quarter that ended in Jun. 2026 was $387.00 Mil. Community Bancorp Ofnta Maria's operating liabilities for the quarter that ended in Jun. 2026 was $352.35 Mil. Community Bancorp Ofnta Maria's Total Assets for the quarter that ended in Mar. 2026 was $405.34 Mil. Therefore, Community Bancorp Ofnta Maria's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.09.

CYSM
54GF Score
Community Bancorp Of Santa Maria CYSM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Bancorp Ofnta Maria 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.

Community Bancorp Ofnta Maria'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 )
=(397.673-386.627)/405.646
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=428.96 - 31.287
=397.673

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=390.977 - 4.35 - 0
=386.627

Community Bancorp Ofnta Maria'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 )
=(386.996-352.347)/405.342
=0.09

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=396.747 - 9.751
=386.996

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=357.347 - 5 - 0
=352.347

* 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?
Community Bancorp Ofnta Maria (CYSM) has a Scaled Net Operating Assets of 0.09 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 Community Bancorp Ofnta Maria and its competitors.
Is Community Bancorp Ofnta Maria's Scaled Net Operating Assets too high?
Community Bancorp Ofnta Maria's current Scaled Net Operating Assets is 0.09. Overall, Community Bancorp Ofnta Maria has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's Scaled Net Operating Assets compare to SOUB and TMAK?
Community Bancorp Ofnta Maria'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 Community Bancorp Ofnta Maria and its competitors. Community Bancorp Ofnta Maria'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 Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. 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 Community Bancorp Ofnta Maria (CYSM), the current Scaled Net Operating Assets is 0.09 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?

Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued. The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11. GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.

Key valuation signals for CYSM:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
  • GF Score™: 54/100

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

Community Bancorp Ofnta Maria Business Description

Address 2739 Santa Maria Way, Santa Maria, CA, USA, 93455
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF 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.

$20.55
Price
$13.11
GF Value