FINN (First National of Nebraska) Scaled Net Operating Assets: 0.14 (As of Dec. 2025)

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FINN First National of Nebraska Inc FINN
15 GF Score
Price $18,800.00
GF Value $15,644.92
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First National of Nebraska Scaled Net Operating Assets?

First National of Nebraska FINN -1.05% 15 Scaled Net Operating Assets is 0.14 as of Dec. 2025. GuruFocus rates FINN with a GF Score™ of 15/100 and a GF Value™ of $15,644.92 (Modestly 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.

First National of Nebraska's operating assets for the quarter that ended in Dec. 2025 was $32,973 Mil. First National of Nebraska's operating liabilities for the quarter that ended in Dec. 2025 was $28,572 Mil. First National of Nebraska's Total Assets for the quarter that ended in Dec. 2024 was $32,253 Mil. Therefore, First National of Nebraska's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.14.

FINN
15GF Score
First National of Nebraska Inc FINN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First National of Nebraska 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.

First National of Nebraska'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 )
=(32973.482-28571.738)/32252.582
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=34923.474 - 1949.992
=32973.482

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=31047.981 - 2476.243 - 0
=28571.738

First National of Nebraska'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 )
=(32973.482-28571.738)/32252.582
=0.14

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=34923.474 - 1949.992
=32973.482

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=31047.981 - 2476.243 - 0
=28571.738

* 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 0.14 mean?
First National of Nebraska (FINN) has a Scaled Net Operating Assets of 0.14 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 First National of Nebraska and its competitors.
Is First National of Nebraska's Scaled Net Operating Assets too high?
First National of Nebraska's current Scaled Net Operating Assets is 0.14. Overall, First National of Nebraska has a GF Score™ of 15/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National of Nebraska's Scaled Net Operating Assets compare to TFSL and EBC?
First National of Nebraska's Scaled Net Operating Assets of 0.14 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 First National of Nebraska and its competitors. First National of Nebraska's current Scaled Net Operating Assets is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National of Nebraska stock overvalued right now?
Based on GuruFocus' analysis, First National of Nebraska (FINN) is currently considered Modestly Overvalued. The stock's GF Value™ is $15,644.92, compared to a current price of $18,800.00 — trading 20.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. First National of Nebraska's overall GF Score™ is 15/100 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 First National of Nebraska (FINN), the current Scaled Net Operating Assets is 0.14 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 First National of Nebraska (FINN) Overvalued in 2026?

Based on GuruFocus' analysis, First National of Nebraska stock appears to be overvalued. The current stock price of $18,800.00 is trading 20.2% above its estimated GF Value™ of $15,644.92. GuruFocus considers First National of Nebraska to be Modestly Overvalued.

Key valuation signals for FINN:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: $15,644.92 vs. price of $18,800.00 (20.2% above fair value)
  • GF Score™: 15/100 with 5 warning signs

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

First National of Nebraska Business Description

Address 1601 Dodge Street, Stop Code 3395, Omaha, NE, USA, 68197
First National of Nebraska Inc is a Nebraska-based interstate financial holding company operated by its banking subsidiary. Additionally, the Company has nonbanking subsidiaries engaged in various businesses, including technology hosting and related activities. The Bank's primary objective is to enhance the financial well-being of its customers through a customer-centric business model focused on providing financial advice and guidance and relevant financial solutions. The Bank supports its business customers with real estate, commercial, and agriculture loans as well as cash and wealth management solutions.
15GF 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.

$18,800.00
Price
$15,644.92
GF Value