California BanCorp (FRA:KZ9) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


FRA:KZ9 California BanCorp FRA:KZ9
59 GF Score
Price €17.10
GF Value €13.60
! 5 Warning Signs
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What is California BanCorp Scaled Net Operating Assets?

California BanCorp FRA:KZ9 +1.79% 59 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates FRA:KZ9 with a GF Score™ of 59/100 and a GF Value™ of €13.60. 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.

California BanCorp's operating assets for the quarter that ended in Mar. 2026 was €3,453.3 Mil. California BanCorp's operating liabilities for the quarter that ended in Mar. 2026 was €2,956.1 Mil. California BanCorp's Total Assets for the quarter that ended in Dec. 2025 was €3,444.5 Mil. Therefore, California BanCorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

FRA:KZ9
59GF Score
California BanCorp FRA:KZ9
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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California BanCorp 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.

California BanCorp'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 )
=(3400.093-2907.043)/3850.23
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3444.512 - 44.419
=3400.093

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2952.107 - 45.064 - 0
=2907.043

California BanCorp'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 )
=(3453.343-2956.133)/3444.512
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3502.155 - 48.812
=3453.343

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3002.328 - 46.195 - 0
=2956.133

* 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?
California BanCorp (FRA:KZ9) has a Scaled Net Operating Assets of 0.14 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 California BanCorp and its competitors.
Is California BanCorp's Scaled Net Operating Assets too high?
California BanCorp's current Scaled Net Operating Assets is 0.14. Overall, California BanCorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's Scaled Net Operating Assets compare to PFIS and THVB?
California BanCorp'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 California BanCorp and its competitors. California BanCorp'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 California BanCorp stock overvalued right now?
California BanCorp (FRA:KZ9) has a current Scaled Net Operating Assets of 0.14. The stock's GF Value™ is €13.60, compared to a current price of €17.10 — trading 25.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. California BanCorp's 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 California BanCorp (FRA:KZ9), the current Scaled Net Operating Assets is 0.14 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 California BanCorp (FRA:KZ9) Overvalued in 2026?

Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued. The current stock price of €17.10 is trading 25.7% above its estimated GF Value™ of €13.60.

Key valuation signals for FRA:KZ9:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: €13.60 vs. price of €17.10 (25.7% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA:KZ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

California BanCorp Business Description

Other Exchanges BCAL:USA
Address 12265 El Camino Real, Suite 210, San Diego, CA, USA, 92130
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
59GF Score

Get the complete analysis for FRA:KZ9

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

€17.10
Price
€13.60
GF Value