GVYB (Golden VY Bancshares) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


GVYB Golden VY Bancshares Inc GVYB
53 GF Score
Price $26.00
GF Value $22.53
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Golden VY Bancshares Scaled Net Operating Assets?

Golden VY Bancshares GVYB 53 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates GVYB with a GF Score™ of 53/100 and a GF Value™ of $22.53 (Modestly 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.

Golden VY Bancshares's operating assets for the quarter that ended in Mar. 2026 was $551.73 Mil. Golden VY Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $528.15 Mil. Golden VY Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $593.04 Mil. Therefore, Golden VY Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

GVYB
53GF Score
Golden VY Bancshares Inc GVYB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Golden VY Bancshares 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.

Golden VY Bancshares'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 )
=(545.299-541.798)/536.291
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=593.042 - 47.743
=545.299

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=549.96 - 8.162 - 0
=541.798

Golden VY Bancshares'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 )
=(551.732-528.154)/593.042
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=577.731 - 25.999
=551.732

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=534.106 - 5.952 - 0
=528.154

* 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 0.04 mean?
Golden VY Bancshares (GVYB) has a Scaled Net Operating Assets of 0.04 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 Golden VY Bancshares and its competitors.
Is Golden VY Bancshares' Scaled Net Operating Assets too high?
Golden VY Bancshares' current Scaled Net Operating Assets is 0.04. Overall, Golden VY Bancshares has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Scaled Net Operating Assets compare to WSSH and TBBC?
Golden VY Bancshares' Scaled Net Operating Assets of 0.04 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 Golden VY Bancshares and its competitors. Golden VY Bancshares's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $26.00 — trading 15.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.04. Golden VY Bancshares' overall GF Score™ is 53/100 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 Golden VY Bancshares (GVYB), the current Scaled Net Operating Assets is 0.04 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 Golden VY Bancshares (GVYB) Overvalued in 2026?

Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued. The current stock price of $26.00 is trading 15.4% above its estimated GF Value™ of $22.53. GuruFocus considers Golden VY Bancshares to be Modestly Overvalued.

Key valuation signals for GVYB:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: $22.53 vs. price of $26.00 (15.4% above fair value)
  • GF Score™: 53/100 with 4 warning signs

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

Golden VY Bancshares Business Description

Address 190 Cohasset Road, Suite 170, Chico, CA, USA, 95926
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
53GF 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.

$26.00
Price
$22.53
GF Value