EBSH (Empire Bancshares) Scaled Net Operating Assets: 0.01 (As of Dec. 2025)

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EBSH Empire Bancshares Inc EBSH
52 GF Score
Price $41.63
GF Value $23.52
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Empire Bancshares Scaled Net Operating Assets?

Empire Bancshares EBSH 52 Scaled Net Operating Assets is 0.01 as of Dec. 2025. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 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.

Empire Bancshares's operating assets for the quarter that ended in Dec. 2025 was $199.04 Mil. Empire Bancshares's operating liabilities for the quarter that ended in Dec. 2025 was $197.02 Mil. Empire Bancshares's Total Assets for the quarter that ended in Dec. 2024 was $211.20 Mil. Therefore, Empire Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.01.

EBSH
52GF Score
Empire Bancshares Inc EBSH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Empire 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.

Empire 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 )
=(199.039-197.022)/211.197
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=217.124 - 18.085
=199.039

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=199.022 - 2 - 0
=197.022

Empire Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(199.039-197.022)/211.197
=0.01

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=217.124 - 18.085
=199.039

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=199.022 - 2 - 0
=197.022

* 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 0.01 mean?
Empire Bancshares (EBSH) has a Scaled Net Operating Assets of 0.01 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Empire Bancshares and its competitors.
Is Empire Bancshares' Scaled Net Operating Assets too high?
Empire Bancshares' current Scaled Net Operating Assets is 0.01. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' Scaled Net Operating Assets compare to GWBK and MNBO?
Empire Bancshares' Scaled Net Operating Assets of 0.01 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 Empire Bancshares and its competitors. Empire Bancshares's current Scaled Net Operating Assets is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. Empire Bancshares' overall GF Score™ is 52/100 with 5 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 Empire Bancshares (EBSH), the current Scaled Net Operating Assets is 0.01 as of Dec. 2025. 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 Empire Bancshares (EBSH) Overvalued in 2026?

Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued. The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52. GuruFocus considers Empire Bancshares to be Significantly Overvalued.

Key valuation signals for EBSH:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
  • GF Score™: 52/100 with 5 warning signs

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

Empire Bancshares Business Description

Address 144 E. High Street, PO Box 283, Hicksville, OH, USA, 43526
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF 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.

$41.63
Price
$23.52
GF Value