Eastern Bankshares (FRA:EB0) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


FRA:EB0 Eastern Bankshares Inc FRA:EB0
59 GF Score
Price €18.60
GF Value €24.47
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Eastern Bankshares Scaled Net Operating Assets?

Eastern Bankshares FRA:EB0 +1.64% 59 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates FRA:EB0 with a GF Score™ of 59/100 and a GF Value™ of €24.47 (Modestly Undervalued). 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.

Eastern Bankshares's operating assets for the quarter that ended in Mar. 2026 was €26,126.5 Mil. Eastern Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €22,193.6 Mil. Eastern Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €26,121.2 Mil. Therefore, Eastern Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

FRA:EB0
59GF Score
Eastern Bankshares Inc FRA:EB0
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Eastern 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.

Eastern 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 )
=(25850.569-22243.871)/24407.775
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26121.175 - 270.606
=25850.569

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=22414.343 - 130.735 - 39.737
=22243.871

Eastern 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 )
=(26126.516-22193.626)/26121.175
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26497.172 - 370.656
=26126.516

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=22789.799 - 596.173 - 0
=22193.626

* 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 0.15 mean?
Eastern Bankshares (FRA:EB0) has a Scaled Net Operating Assets of 0.15 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 Eastern Bankshares and its competitors.
Is Eastern Bankshares' Scaled Net Operating Assets too high?
Eastern Bankshares' current Scaled Net Operating Assets is 0.15. Overall, Eastern Bankshares has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Eastern Bankshares' Scaled Net Operating Assets compare to SFBS and FULT?
Eastern Bankshares' Scaled Net Operating Assets of 0.15 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 Eastern Bankshares and its competitors. Eastern Bankshares's current Scaled Net Operating Assets is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eastern Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Eastern Bankshares (FRA:EB0) is currently considered Modestly Undervalued. The stock's GF Value™ is €24.47, compared to a current price of €18.60 — trading 24% below its estimated fair value. The current Scaled Net Operating Assets is 0.15. Eastern Bankshares' overall GF Score™ is 59/100 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 Eastern Bankshares (FRA:EB0), the current Scaled Net Operating Assets is 0.15 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 Eastern Bankshares (FRA:EB0) Overvalued in 2026?

Based on GuruFocus' analysis, Eastern Bankshares stock appears to be undervalued. The current stock price of €18.60 is trading 24% below its estimated GF Value™ of €24.47. GuruFocus considers Eastern Bankshares to be Modestly Undervalued.

Key valuation signals for FRA:EB0:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: €24.47 vs. price of €18.60 (24% below fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA:EB0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Eastern Bankshares Business Description

Other Exchanges EBC:USA
Address 125 High Street, Boston, MA, USA, 02110
Eastern Bankshares Inc is a commercial bank that caters its products and services to retail, commercial, and small business customers. Its diversified products and services include lending, deposit, wealth management, and insurance products. The company has one operating segment: Banking business, which offers a range of banking, lending, savings, and small business offerings, and its wealth management and trust operations.
59GF 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.

€18.60
Price
€24.47
GF Value