FTFI (First Berlin Bancorp) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


FTFI First Berlin Bancorp Inc FTFI
42 GF Score
Price $38.25
GF Value $27.07
Valuation Significantly Overvalued
! 4 Warning Signs
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What is First Berlin Bancorp Scaled Net Operating Assets?

First Berlin Bancorp FTFI 42 Scaled Net Operating Assets is 0.03 as of Mar. 2026. GuruFocus rates FTFI with a GF Score™ of 42/100 and a GF Value™ of $27.07 (Significantly Overvalued). The stock has 4 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 Berlin Bancorp's operating assets for the quarter that ended in Mar. 2026 was $606.37 Mil. First Berlin Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $587.46 Mil. First Berlin Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $744.53 Mil. Therefore, First Berlin Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

FTFI
42GF Score
First Berlin Bancorp Inc FTFI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Berlin 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.

First Berlin 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 )
=(662.116-609.083)/669.076
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=744.53 - 82.414
=662.116

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=660.845 - 51.762 - 0
=609.083

First Berlin 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 )
=(606.365-587.461)/744.53
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=722.663 - 116.298
=606.365

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=639.01 - 51.549 - 0
=587.461

* 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 0.03 mean?
First Berlin Bancorp (FTFI) has a Scaled Net Operating Assets of 0.03 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 First Berlin Bancorp and its competitors.
Is First Berlin Bancorp's Scaled Net Operating Assets too high?
First Berlin Bancorp's current Scaled Net Operating Assets is 0.03. Overall, First Berlin Bancorp has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Berlin Bancorp's Scaled Net Operating Assets compare to BSFO and FDVA?
First Berlin Bancorp's Scaled Net Operating Assets of 0.03 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 Berlin Bancorp and its competitors. First Berlin Bancorp's current Scaled Net Operating Assets is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Berlin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Berlin Bancorp (FTFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.07, compared to a current price of $38.25 — trading 41.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. First Berlin Bancorp's overall GF Score™ is 42/100 with 4 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 Berlin Bancorp (FTFI), the current Scaled Net Operating Assets is 0.03 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 First Berlin Bancorp (FTFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Berlin Bancorp stock appears to be overvalued. The current stock price of $38.25 is trading 41.3% above its estimated GF Value™ of $27.07. GuruFocus considers First Berlin Bancorp to be Significantly Overvalued.

Key valuation signals for FTFI:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: $27.07 vs. price of $38.25 (41.3% above fair value)
  • GF Score™: 42/100 with 4 warning signs

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

First Berlin Bancorp Business Description

Address 140 West Huron Street, Berlin, WI, USA, 54923
First Berlin Bancorp Inc is a state charted bank providing a full range of financial services including the granting of agribusiness, commercial, residential and consumer loans and accepting deposits from customers mainly in Central Wisconsin.
42GF 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.

$38.25
Price
$27.07
GF Value