Bar Harbor Bankshares (FRA:42K) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)


FRA:42K Bar Harbor Bankshares Inc FRA:42K
61 GF Score
Price €32.80
GF Value €29.02
! 6 Warning Signs
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What is Bar Harbor Bankshares Scaled Net Operating Assets?

Bar Harbor Bankshares FRA:42K -2.38% 61 Scaled Net Operating Assets is 0.11 as of Mar. 2026. GuruFocus rates FRA:42K with a GF Score™ of 61/100 and a GF Value™ of €29.02. 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.

Bar Harbor Bankshares's operating assets for the quarter that ended in Mar. 2026 was €3,831.3 Mil. Bar Harbor Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €3,395.7 Mil. Bar Harbor Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €4,000.0 Mil. Therefore, Bar Harbor Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

FRA:42K
61GF Score
Bar Harbor Bankshares Inc FRA:42K
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bar Harbor Bankshares 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.

Bar Harbor Bankshares'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 )
=(3931.008-3314.978)/3899.577
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4000.043 - 69.035
=3931.008

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3545.253 - 115.154 - 115.121
=3314.978

Bar Harbor Bankshares'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 )
=(3831.255-3395.689)/4000.043
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4044.937 - 213.682
=3831.255

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3579.622 - 117.155 - 66.778
=3395.689

* 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 0.11 mean?
Bar Harbor Bankshares (FRA:42K) has a Scaled Net Operating Assets of 0.11 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 Bar Harbor Bankshares and its competitors.
Is Bar Harbor Bankshares' Scaled Net Operating Assets too high?
Bar Harbor Bankshares' current Scaled Net Operating Assets is 0.11. Overall, Bar Harbor Bankshares has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' Scaled Net Operating Assets compare to NPB and AMBZ?
Bar Harbor Bankshares' Scaled Net Operating Assets of 0.11 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 Bar Harbor Bankshares and its competitors. Bar Harbor Bankshares's current Scaled Net Operating Assets is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bar Harbor Bankshares stock overvalued right now?
Bar Harbor Bankshares (FRA:42K) has a current Scaled Net Operating Assets of 0.11. The stock's GF Value™ is €29.02, compared to a current price of €32.80 — trading 13% above its estimated fair value. The current Scaled Net Operating Assets is 0.11. Bar Harbor Bankshares' overall GF Score™ is 61/100 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 Bar Harbor Bankshares (FRA:42K), the current Scaled Net Operating Assets is 0.11 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 Bar Harbor Bankshares (FRA:42K) Overvalued in 2026?

Based on GuruFocus' analysis, Bar Harbor Bankshares stock appears to be overvalued. The current stock price of €32.80 is trading 13% above its estimated GF Value™ of €29.02.

Key valuation signals for FRA:42K:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: €29.02 vs. price of €32.80 (13% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the FRA:42K stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bar Harbor Bankshares Business Description

Other Exchanges BHB:USA
Address 82 Main Street, P.O. Box 400, Bar Harbor, ME, USA, 04609-0400
Bar Harbor Bankshares Inc is a bank holding company along with its subsidiaries that offers a full range of financial services products, brokerage services through third-party brokerage arrangements, and also trust and investment management services to individuals, businesses, non-profit organizations, and municipalities. Its products and services consist of checking, deposits, cards, mobile banking, online services, loans, merchant services, trust, fiduciary services, investment planning, education funding, and individual retirement planning.
61GF Score

Get the complete analysis for FRA:42K

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.80
Price
€29.02
GF Value