HMLN (Hamlin Bank and Trust Co) Scaled Net Operating Assets: 0.17 (As of Dec. 2025)


HMLN Hamlin Bank and Trust Co HMLN
71 GF Score
Price $240.00
GF Value $273.02
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Hamlin Bank and Trust Co Scaled Net Operating Assets?

Hamlin Bank and Trust Co HMLN 71 Scaled Net Operating Assets is 0.17 as of Dec. 2025. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 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.

Hamlin Bank and Trust Co's operating assets for the quarter that ended in Dec. 2025 was $457.76 Mil. Hamlin Bank and Trust Co's operating liabilities for the quarter that ended in Dec. 2025 was $384.10 Mil. Hamlin Bank and Trust Co's Total Assets for the quarter that ended in Dec. 2024 was $435.42 Mil. Therefore, Hamlin Bank and Trust Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.17.

HMLN
71GF Score
Hamlin Bank and Trust Co HMLN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Hamlin Bank and Trust Co 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.

Hamlin Bank and Trust Co'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 )
=(457.76-384.097)/435.417
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=481.273 - 23.513
=457.76

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=384.097 - 0 - 0
=384.097

Hamlin Bank and Trust Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(457.76-384.097)/435.417
=0.17

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=481.273 - 23.513
=457.76

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=384.097 - 0 - 0
=384.097

* 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 0.17 mean?
Hamlin Bank and Trust Co (HMLN) has a Scaled Net Operating Assets of 0.17 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hamlin Bank and Trust Co and its competitors.
Is Hamlin Bank and Trust Co's Scaled Net Operating Assets too high?
Hamlin Bank and Trust Co's current Scaled Net Operating Assets is 0.17. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Scaled Net Operating Assets compare to SOBS and BKOR?
Hamlin Bank and Trust Co's Scaled Net Operating Assets of 0.17 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 Hamlin Bank and Trust Co and its competitors. Hamlin Bank and Trust Co's current Scaled Net Operating Assets is 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.17. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current Scaled Net Operating Assets is 0.17 as of Dec. 2025. 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

  • Scaled Net Operating Assets: 0.17
  • GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
  • GF Score™: 71/100 with 3 warning signs

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

Hamlin Bank and Trust Co Business Description

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF 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.

$240.00
Price
$273.02
GF Value