DWNX (Delhi Bank) Scaled Net Operating Assets: -0.03 (As of Mar. 2026)


DWNX Delhi Bank Corp DWNX
57 GF Score
Price $21.00
GF Value $22.71
Valuation Fairly Valued
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What is Delhi Bank Scaled Net Operating Assets?

Delhi Bank DWNX 57 Scaled Net Operating Assets is -0.03 as of Mar. 2026. GuruFocus rates DWNX with a GF Score™ of 57/100 and a GF Value™ of $22.71 (Fairly Valued).

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

Delhi Bank's operating assets for the quarter that ended in Mar. 2026 was $362.95 Mil. Delhi Bank's operating liabilities for the quarter that ended in Mar. 2026 was $374.69 Mil. Delhi Bank's Total Assets for the quarter that ended in Dec. 2025 was $370.56 Mil. Therefore, Delhi Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.03.

DWNX
57GF Score
Delhi Bank Corp DWNX
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Delhi 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.

Delhi 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 )
=(352.859-339.23)/368.113
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=370.559 - 17.7
=352.859

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=339.382 - 0.152 - 0
=339.23

Delhi Bank'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 )
=(362.947-374.693)/370.559
=-0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=405.746 - 42.799
=362.947

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=374.838 - 0.145 - 0
=374.693

* 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 -0.03 mean?
Delhi Bank (DWNX) has a Scaled Net Operating Assets of -0.03 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 Delhi Bank and its competitors.
Is Delhi Bank's Scaled Net Operating Assets too high?
Delhi Bank's current Scaled Net Operating Assets is -0.03. Overall, Delhi Bank has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Delhi Bank's Scaled Net Operating Assets compare to PBKX and HCBN?
Delhi Bank's Scaled Net Operating Assets of -0.03 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 Delhi Bank and its competitors. Delhi Bank's current Scaled Net Operating Assets is -0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Delhi Bank stock overvalued right now?
Based on GuruFocus' analysis, Delhi Bank (DWNX) is currently considered Fairly Valued. The stock's GF Value™ is $22.71, compared to a current price of $21.00 — trading 7.5% below its estimated fair value. The current Scaled Net Operating Assets is -0.03. Delhi Bank's overall GF Score™ is 57/100. 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 Delhi Bank (DWNX), the current Scaled Net Operating Assets is -0.03 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 Delhi Bank (DWNX) Overvalued in 2026?

Based on GuruFocus' analysis, Delhi Bank stock appears to be undervalued. The current stock price of $21.00 is trading 7.5% below its estimated GF Value™ of $22.71. GuruFocus considers Delhi Bank to be Fairly Valued.

Key valuation signals for DWNX:

  • Scaled Net Operating Assets: -0.03
  • GF Value™: $22.71 vs. price of $21.00 (7.5% below fair value)
  • GF Score™: 57/100

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

Delhi Bank Business Description

Address 124 Main street, P.O. Box 508, Delhi, NY, USA, 13753-0508
Delhi Bank Corp provides a full range of commercial banking services to individual and small business customers in Delaware County, New York, and the surrounding counties. The area is a rural market with an economic base made up of light manufacturing, retail, and agricultural businesses. The Company's primary deposit products are demand deposits and interest-bearing time and savings accounts. The company offers a full array of loan products to meet the needs of retail and commercial customers.
57GF 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.

$21.00
Price
$22.71
GF Value