Carter Bankshares (FRA:6NH) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


FRA:6NH Carter Bankshares Inc FRA:6NH
65 GF Score
Price €26.60
GF Value €25.72
Valuation Fairly Valued
! 5 Warning Signs
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What is Carter Bankshares Scaled Net Operating Assets?

Carter Bankshares FRA:6NH +0.76% 65 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates FRA:6NH with a GF Score™ of 65/100 and a GF Value™ of €25.72 (Fairly Valued). 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.

Carter Bankshares's operating assets for the quarter that ended in Mar. 2026 was €3,646.2 Mil. Carter Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €3,714.6 Mil. Carter Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €4,143.5 Mil. Therefore, Carter Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

FRA:6NH
65GF Score
Carter Bankshares Inc FRA:6NH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Carter 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.

Carter 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 )
=(4053.732-3632.681)/4449.525
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4143.541 - 89.809
=4053.732

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3785.12 - 152.439 - 0
=3632.681

Carter 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 )
=(3646.241-3714.628)/4143.541
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4151.369 - 505.128
=3646.241

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3714.628 - 0 - 0
=3714.628

* 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 -0.02 mean?
Carter Bankshares (FRA:6NH) has a Scaled Net Operating Assets of -0.02 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 Carter Bankshares and its competitors.
Is Carter Bankshares' Scaled Net Operating Assets too high?
Carter Bankshares' current Scaled Net Operating Assets is -0.02. Overall, Carter Bankshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' Scaled Net Operating Assets compare to IBCP and CWBC?
Carter Bankshares' Scaled Net Operating Assets of -0.02 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 Carter Bankshares and its competitors. Carter Bankshares's current Scaled Net Operating Assets is -0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carter Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Carter Bankshares (FRA:6NH) is currently considered Fairly Valued. The stock's GF Value™ is €25.72, compared to a current price of €26.60 — trading 3.4% above its estimated fair value. The current Scaled Net Operating Assets is -0.02. Carter Bankshares' overall GF Score™ is 65/100 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 Carter Bankshares (FRA:6NH), the current Scaled Net Operating Assets is -0.02 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 Carter Bankshares (FRA:6NH) Overvalued in 2026?

Based on GuruFocus' analysis, Carter Bankshares stock appears to be overvalued. The current stock price of €26.60 is trading 3.4% above its estimated GF Value™ of €25.72. GuruFocus considers Carter Bankshares to be Fairly Valued.

Key valuation signals for FRA:6NH:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: €25.72 vs. price of €26.60 (3.4% above fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the FRA:6NH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Carter Bankshares Business Description

Other Exchanges CARE:USA
Address 1300 Kings Mountain Road, Martinsville, VA, USA, 24112
Carter Bankshares Inc is a bank holding company that conducts its business solely through the bank. The Bank earns revenue from interest on loans and securities and fees charged for financial services provided to customers. It offers a full range of deposit services including Lifetime Free Checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. The Bank offers a full range of commercial and consumer loans. The Bank also originates and holds fixed and variable-rate mortgage loans and offers home equity lines of credit to its customers.
65GF Score

Get the complete analysis for FRA:6NH

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

€26.60
Price
€25.72
GF Value