Bac A Commercial Joint Stock Bank (HSTC:BAB) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


HSTC:BAB Bac A Commercial Joint Stock Bank HSTC:BAB
70 GF Score
Price ₫11,900.00
GF Value ₫11,714.95
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Bac A Commercial Joint Stock Bank Scaled Net Operating Assets?

Bac A Commercial Joint Stock Bank HSTC:BAB -0.83% 70 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates HSTC:BAB with a GF Score™ of 70/100 and a GF Value™ of ₫11,714.95 (Fairly Valued). The stock has 2 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.

Bac A Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫169,551,711 Mil. Bac A Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫154,813,840 Mil. Bac A Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫195,820,302 Mil. Therefore, Bac A Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

HSTC:BAB
70GF Score
Bac A Commercial Joint Stock Bank HSTC:BAB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bac A Commercial Joint Stock Bank 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.

Bac A Commercial Joint Stock Bank'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 )
=(168119589-157315867)/165486693
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=195820302 - 27700713
=168119589

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=182511398 - 25195531 - 0
=157315867

Bac A Commercial Joint Stock Bank'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 )
=(169551711-154813840)/195820302
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=193569826 - 24018115
=169551711

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=179960958 - 25147118 - 0
=154813840

* 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 0.08 mean?
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a Scaled Net Operating Assets of 0.08 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 Bac A Commercial Joint Stock Bank and its competitors.
Is Bac A Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
Bac A Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.08. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's Scaled Net Operating Assets compare to competitors?
Bac A Commercial Joint Stock Bank's Scaled Net Operating Assets of 0.08 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 Bac A Commercial Joint Stock Bank and its competitors. Bac A Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Fairly Valued. The stock's GF Value™ is ₫11,714.95, compared to a current price of ₫11,900.00 — trading 1.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. Bac A Commercial Joint Stock Bank's overall GF Score™ is 70/100 with 2 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 Bac A Commercial Joint Stock Bank (HSTC:BAB), the current Scaled Net Operating Assets is 0.08 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?

Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫11,900.00 is trading 1.6% above its estimated GF Value™ of ₫11,714.95. GuruFocus considers Bac A Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for HSTC:BAB:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: ₫11,714.95 vs. price of ₫11,900.00 (1.6% above fair value)
  • GF Score™: 70/100 with 2 warning signs

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

Bac A Commercial Joint Stock Bank Business Description

Address No. 117, Quang Trung Street, Quang Trung Ward, Nghe An Province, Vinh, VNM
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
70GF Score

Get the complete analysis for HSTC:BAB

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

₫11,900.00
Price
₫11,714.95
GF Value