National Citizen Commercial Joint Stock Bank (HSTC:NVB) Scaled Net Operating Assets: -0.06 (As of Mar. 2026)

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HSTC:NVB National Citizen Commercial Joint Stock Bank HSTC:NVB
28 GF Score
Price ₫13,100.00
! 4 Warning Signs
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What is National Citizen Commercial Joint Stock Bank Scaled Net Operating Assets?

National Citizen Commercial Joint Stock Bank HSTC:NVB -5.07% 28 Scaled Net Operating Assets is -0.06 as of Mar. 2026. GuruFocus rates HSTC:NVB with a GF Score™ of 28/100. 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.

National Citizen Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫144,166,142 Mil. National Citizen Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫154,697,548 Mil. National Citizen Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫163,614,988 Mil. Therefore, National Citizen Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

HSTC:NVB
28GF Score
National Citizen Commercial Joint Stock Bank HSTC:NVB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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National Citizen 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.

National Citizen 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 )
=(124925451-143533885)/118498716
=-0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=163614988 - 38689537
=124925451

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=150022064 - 6488179 - 0
=143533885

National Citizen 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 )
=(144166142-154697548)/163614988
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=173503702 - 29337560
=144166142

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=159694733 - 4997185 - 0
=154697548

* 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 -0.06 mean?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a Scaled Net Operating Assets of -0.06 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 National Citizen Commercial Joint Stock Bank and its competitors.
Is National Citizen Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
National Citizen Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.06. Overall, National Citizen Commercial Joint Stock Bank has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does National Citizen Commercial Joint Stock Bank's Scaled Net Operating Assets compare to competitors?
National Citizen Commercial Joint Stock Bank's Scaled Net Operating Assets of -0.06 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 National Citizen Commercial Joint Stock Bank and its competitors. National Citizen Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Citizen Commercial Joint Stock Bank stock overvalued right now?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a current Scaled Net Operating Assets of -0.06. The current Scaled Net Operating Assets is -0.06. National Citizen Commercial Joint Stock Bank's overall GF Score™ is 28/100 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 National Citizen Commercial Joint Stock Bank (HSTC:NVB), the current Scaled Net Operating Assets is -0.06 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.

National Citizen Commercial Joint Stock Bank Business Description

Address 28C-28D Ba Trieu, Hang Bai Ward, Hoan Kiem District, Hanoi, VNM
National Citizen Commercial Joint Stock Bank is a Vietnam based company engaged in offering various banking services. It offers banking services to both personal and corporate customers. The portfolio of facilities includes transaction account, term deposit, credit facilities, foreign exchange products, international payments services, e-banking service, card products, treasury service and insurance service, among others.
28GF 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.

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